RBL Bank Ltd. · NSE:RBLBANK
RBL Bank — Investor Presentation (April 2014)
28 slides from RBL Bank's investor presentation, April 2014
Slide 1: Corporate Presentation April 2014
Corporate Presentation April 2014 1
Slide 2: Contents
Contents • About RBL Bank 3-15 o A Legacy of 70 Years o 2010 : The New Beginning o A Strong Management Team & Board of Directors o Our Shareholders o Vision-2015 • An Update on Our Journey So Far 16-25 o Capital Raising o Key Financial Indicators o Geographical Expansion o Acquisition of RBS’s Busin
Slide 3: About RBL Bank
About RBL Bank • A legacy of 70 years – A bank with roots into pre-independent India (established in 1943) – Established to fulfill the call of self reliance given during Indian freedom struggle – Concentrated largely in Maharashtra, Karnataka and Goa till 2010 – Currently on a transformational jour
Slide 4: 2010: The New Beginning
2010: The New Beginning • Team of industry • Significant capital raised from Professional professionals and stalwarts Strong Capital marquee Investors to fund coming together Base expansion and be well above the adequacy norms • Foundation of the new • Independent strong board Meritocracy Corporate
Slide 5: Our Mission
Our Mission “To develop a professionally governed and managed platform based on relationships, knowledge, sector expertise and technology to : • Build a customer-centric Retail Banking business • Identify and partner with SMEs and Emerging Large Corporates with outstanding business models, providing
Slide 6: Highly Capable Management Team
Highly Capable Management Team • Ex-CEO, Bank of America India Leadership Experience, Network Vishwavir Ahuja MD & CEO • 30+ year long banking career • MBA (IIM-A), MS in Finance (U-Mich) • Ex-Head, Investor Sales / Capital Markets, Citibank India Rajeev Ahuja Head of Strategy • 25+ year long career
Slide 7: Highly Capable Management Team
Highly Capable Management Team • Ex-Head FI Strategic Coverage Group at Standard Leadership Experience, Network R Gurumurthy Head, Corporate & Chartered Bank Institutional Banking • Ex head Corporate Banking, South India, Bank of America • Over 25 years of banking experience in India & Hong Kong Sun
Slide 8: Highly Capable Management Team
Highly Capable Management Team • Ex-Head, SME Business, Axis Bank Leadership Experience, Network Suhas Sahakari Head - Kolhapur, Sangli & • Part of initial team at Axis Bank, Ex-SBI Belgaum Region • Total banking work experience of over 30 years Sandeep Thapliyal • Ex-Head of SME Business, Citibank
Slide 9: Highly Capable Management Team
Highly Capable Management Team • Former Head, Commercial Banking (India), Royal Bank of Leadership Experience, Network Rana Vikram Anand Scotland. Head – Business Banking & Emerging Enterprise • Over 25 years of experience in Retail & Commercial Finance Banking. Surinder Chawla • Over 20 years of re
Slide 10: Highly Capable Management Team
Highly Capable Management Team Aseem Gandhi • Ex-Head Microfinance, Yes Bank Operational, Core Experience Head – Development • Over 14 years of experience in Development Finance, Banking & Financial Inclusion Corporate Strategy, Investment Banking & Consulting • 18 Years of experience in Agribusines
Slide 11: Highly Capable Management Team
Highly Capable Management Team Tajinder Kumar • Ex-HR Director of Asia Pacific Regional Group Tech & Ops Operational, Core Experience Head Human Resources organization of Deutsche Bank AG in Singapore • Over 22 years of HR Management experience in India & Singapore • Has held senior leadership roles
Slide 12: Highly Capable Management Team
Highly Capable Management Team • Over 30 years of experience across Infrastructure and Operational, Core Experience Satish Dhawan Chief Infrastructure and Admin management Administration Officer • Ex-Citibank • Ex- Commercial Risk Director, Barclays Bank Plc, India Sanjit Chowdhry • Over 21 years in
Slide 13: Board of Directors
Board of Directors Subhash Kutte Vishwavir Ahuja Chairman Managing Director & CEO • Non Executive Chairman • Ex CEO, Bank of America India • 30+ year long career in the Bank • 30+ year long banking career • MBA (IIM-A), MS in Finance (U-Mich) Girish Godbole Bahubali Arwade Sudhir Rao • Wide experien
Slide 14: Strong Shareholders
Strong Shareholders Global & Indian Institutions: Global Private Equity Firms: Indian Private Equity Firms: FAERING CAPITAL 14
Slide 15: Our 'Vision-2015'
Our ‘Vision-2015’ 19 Mar’10 Mar’13 Mar’15 Plan Branches Branches – 89 Branches - 130 Branches – 225 / ATMs ATMs - 13 ATMs - 184 ATMS - 500 No. of ~300,000 ~450,000 ~900,000 Clients Maharashtra, Maharashtra, Maharashtra, States Karnataka, Goa Karnataka, Goa Karnataka, Goa, NCR, UP NCR, UP, TN, AP, TN
Slide 16: An Update on Our Journey So Far
An Update on Our Journey So Far… 16
Slide 17: Journey So Far
Journey So Far… 8 2010 2010-12 2013 Onwards Asset Transformation Scale up Governance • Strengthen Board – diverse expertise • Bring in highly reputed action ‘New Age Private Bank’ leaders ‘Old Age Private Sector (2013) Bank’ (since 1943) • Building scale • Low growth rate Shareholding + Financial •
Slide 18: Capital Raising
Capital Raising 2009 Jan’11 Mar’13 2014 /15 Capital base of ~INR INR 703 Cr investment INR 324 Cr investment Planned IPO 275 Cr at price of INR 67 per at price of ~ INR 110 share per share 18
Slide 19: Key Financial Indicators
Key Financial Indicators 1800 Deposits & Advances Net Worth 1600 1594 Deposits 8341 (in Rs Cr) 1400 Advances 1200 1130 (in Rs Cr) 1000 1074 4739 800 6376 600 2042 4132 400 1585 349 1905 200 1170 0 FY 10 FY 11 FY 12 FY 13 FY 10 FY 11 FY 12 FY 13 1.20 Net NPA 100 Net Profit 92.47 1.00 (%) 90 (in Rs Cr
Slide 20: High Growth in Financial Parameters
High Growth in Financial Parameters Financial Metrics (INR Cr) FY 10 FY 11 FY 12 FY13 CAGR Advances (Net) 1,170 1,905 4,132 6,376 76% Deposits 1,585 2,042 4,739 8,341 74% NII 59 95 187 257 64% Non-Interest Income 13 19 67 126 113% PBT 29 19 96 136 67% Gross NPA / Gross Advances 2.3% 1.1% 0.8% 0.4% N
Slide 21: Geographical Expansion
Geographical Expansion • Over 170 Branches and 350 ATMs • Historically strong along the ‘NH-4 Belt’: • National Highway that runs from Mumbai to Chennai along Maharashtra, Karnataka and Tamil Nadu • Estimated to be one of India’s richest per-capita income regions with strengths across agriculture, i
Slide 22: Acquisition of RBS's Businesses in India
Acquisition of RBS’s Businesses in India • Announced acquisition of RBS’s Business Banking, Credit Cards & Mortgage businesses in India • Good fit into our own organic growth plans • Accelerates the achievement of strategic objectives Business diversification Acquiring a profitable and healthy busin
Slide 23: Finacle and Other Strategic Projects
Finacle and Other Strategic Projects Technology • Implemented Finacle 10. 3 (A new-age CBS platform from Infosys) • Ganseva (a scalable platform for rural markets) • Innovation through strategic partnerships with NTT, IBM etc. • Awarded the Asian Banker Technology Implementation Award for Best Core
Slide 24: Client Segments & Common Building Blocks
Client Segments & Common Building Blocks Product, Delivery Wrap the Bank around the Innovation – change game customer – meet all needs to play to strengths Commercial Banking Consumer/Retail •Expansion into new industry Banking and trade segments •Densify and expand branch •Specific relationship tea
Slide 25: Products & Services Business Convergence
Products & Services Business Convergence Personal Wallet • Home loan / Car loan • Investments ,Online trading & MF • GI & LI Small Business • Savings account Associates • Fixed deposits Personal – Business Business Associated Owner & Key • LAP / LAS / LAG • Online Payments • DEMAT Account Decision M
Slide 26: Execution is on Track
Execution is on Track Consolidate Build-Out Accelerate • Build a strong platform • Transform Technology, • With the foundation in based on Governance, Systems and processes to place, rapidly replicate and Management & Capital build a robust base accelerate • Identify gaps in Systems, • Strengthen ri
Slide 27: Summary
Summary Experienced Management which has Delivered High Quality Robust Governance Investors make up a Strong Capital Base 70 Years RBL Healthy Financials, Low NPAs, High CAR Heritage Bank and Strong Growth 27
Slide 28: The Ratnakar Bank Limited
The Ratnakar Bank Limited Controlling Office: One Indiabulls Centre, Tower 2B , 6th Floor, 841, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013. India. Tel: (022) 022 43020600, Fax: (022) 43020520, Website: www.rblbank.com 28 Presentation updated as on April 2014