Central Bank of India · NSE:CENTRALBK
Central Bank of India — Q3 FY2021-22 Earnings Presentation
43 slides from Central Bank of India's earnings presentation, Jan 28, 2022
Slide 1: Exchange filing cover letter for results presentation
a5rfu a,I tiiqtl Central Office CO:MBD:2021.22: Sle? 28th January, 2022 National Stock Exchange of India Limited BSE Ltd. Listing Department Corporate Relationship Deptt Exchange Plaza, Phiroze Jeejeebhoy Towers Plot No,C/1, `G' Block Dalal Street, Fort Bandra-Kurla Complex Mumbai 400001 Bandra (E),
Slide 2: Presentation on Financial Results for the Quarter / Nine Months Ended 31st Dec 2021
Presentation on Financial Results for the Quarter / Nine Months Ended 31st Dec '2021 Visit us at www.centralbankofindia.co.in :- http://twitter.com/centralbank_in :-https://www.facebook.com/centralbankofindia
Slide 3: Contents
CONTENTS 1 Strength, Performance Highlights, Shareholding & Branch Network 2-6 2 Business & Financial Performance , Sanctioned 7 - 10 3 Priority Sector Achievement 11 4 Asset Quality 12 - 15 5 Credit Support (Covid -19) 16-17 6 Restructured Book, Movement of NPA & Ratios 18 -23 7 Capital Ratios 24 8
Slide 4: Strengths
Strengths Strong Brand Best CASA base Image with @50.01% of total Legacy of 110+ deposits Years Pan India Dedicated Staff presence with Strength of 15661 Customer 30771 Strong Rural + Semi Touch Points Urban Presence with 65% of Total Branches in RUSU Centers 2
Slide 5: Performance Highlights
PERFORMANCE HIGHLIGHTS With sustained performance, the Bank has earned Net Profit of ₹ 279 Crore(69.09%) compared to Net Profit of ₹ 165 Crore on Y-o-Y basis and Net Profit of ₹ 250 Crore for the quarter ended 30th Sep’21 (11.60% on Q-o-Q basis). Net Interest Income (NII) has improved from ₹ 2228 Cr
Slide 6: Performance Highlights
PERFORMANCE HIGHLIGHTS Net NPA reduced from 4.73% to 4.39% on Y-o-Y basis registering an improvement of 34 bps and from 4.51 % to 4.39 % on Q-o-Q basis registering an improvement of 12 bps. Provision coverage ratio (PCR) improved from 84.19% to 85.77% on Y-o-Y basis registering an improvement of 158
Slide 7: Shareholding Pattern
Shareholding Pattern As on Dec 31, 2021 Insurance Cos Other body Public NRIs 2.69% Corp 3.70% 0.06% FIIs 0.10% 0.30% Other 0.08% • Share Capital : ₹ 8680.94 cr Banks & FI 0.00% • Shares of Central Bank of India are listed on BSE and NSE. • Equity Shares of Central Bank of India are part of NSE 500,
Slide 8: PAN India Branch Network
PAN India Branch Network Northern As on 31 Dec '21 Region North Total Branches 4528 23.76 % Eastern 1076- BR Rural 1604 Region 4.37 % Semi Urban 1330 198- BR Urban 783 Metro 811 Total ATMs 3315 Total BC Outlets 7818 Total Customer Touch Points 15661 18% Eastern 36% Region 13.23 % Western & 599 BR Ce
Slide 9: Business Performance
BUSINESS PERFORMANCE Y-o-Y PARTICULARS Dec ' 20 Dec ' 21 Growth (%) Total Business 504728 519786 2.98 Total Deposits (Including Interbank 323872 337688 4.27 Deposits) CASA Deposits 155306 168557 8.53 CASA % 48.11 50.01 190 bps Total Advances 180856 182098* 0.69* RAM 116843 120449 3.09 Corporate 6401
Slide 10: Deposit Mix
DEPOSIT MIX Dec '21 ₹ in Cr Dec '20 Inter Bank Inter Bank High Cost Deposits High Cost Deposits Deposit 0.20% Current Deposit Current 0.02% 0.32% 0.02% 4.65% 4.73% Core Time Core Time Deposit Savings Savings Deposit 49.86% 45.19% 43.30% 51.71% Y-o-Y PARTICULARS Dec ' 20 Dec ' 21 Growth (%) Current 1
Slide 11: Advances Mix
ADVANCES MIX Dec '20 ₹ in Cr Dec '21 27% 34% 27.15% 35.39% Retail Agri MSME Corporate 21% 19.67% 18% 17.78% RAM : 64.61% RAM : 66.15% Y-o-Y SECTORS Dec ' 20 Dec ' 21 Growth (%) Retail 49111 49843 1.49 Agriculture 35571 37596 5.69 MSME 32161 33010 2.64 RAM 116843 120449 3.09 Corporate 64013 61649 -3.
Slide 12: Sanctions and Disbursements During the Quarter Dec'21
Sanctions and Disbursements During the quarter Dec’21 ₹ in Cr SANCTIONS DISBURSEMENTS Growth In Sanctions No. of No. of SECTOR Accounts Amount Accounts Amount Q-o-Q Y –o- Y RETAIL 62532 4231 61782 3590 61.98 -16.02 MSME 27841 2985 25593 2175 94.90 78.07 AGRICULTURE 150902 2534 150902 2289 4.22 13.76
Slide 13: Achievement Under Mandated Targets
Achievement Under Mandated Targets Achieved the mandated norms in respect of Total Priority 42.66 % Agriculture 19.16 of ANBC against % of ANBC norms of 40%. against norms of 18%. 42.66 19.16 Weaker Sector- Small and Marginal of 16.09 ANBC Farmers 10.05% of against norms ANBC against of 10% . norms
Slide 14: Rated Standard Advances
Rated Standard Advances DEC’20 As per BASEL III DEC ‘21 ₹ in Cr Unrated Unrated AAA BB and Below 9% AAA 6% 12% 12% BB and Below 26% Government 21% guaranteed AA advances 24% 6% Government guaranteed BBB advances 12% 10% AA A 23% BBB 10% A 17% 12% Investment Grade & above : 73.34% Investment Grade &
Slide 15: Retail Segment
Retail Segment As on 31st Dec '21 ₹ in Cr 57.53% of Total Y-o-Y Growth HOME LOAN ₹ 28677 Retail Advance 2.53% 6.02 % of Total Y-o-Y Growth AUTO LOAN ₹ 3003 Retail Advance -3.25 % 6.96 % of Total Y-o-Y Growth EDUCATION LOAN ₹ 3471 Retail Advance – 3.42% 5.35 % of Total Y-o-Y Growth PERSONAL LOAN ₹ 26
Slide 16: Co-Lendings Sanctions
CO-LENDINGS SANCTIONS ₹ in Cr SEP ’21 DEC ‘21 TOTAL OUTSTANDING No. of No. of No. of No. of SECTOR Accounts Amount Accounts Amount Accounts Amount Accounts Amount RETAIL 2724 354.07 4948 627.76 7672 981.83 7279 826.16 MSME 46 1.25 320 78.78 366 80.03 365 88.91 TOTAL 2770 355.32 5268 706.54 8038 1061
Slide 17: Special Mention Accounts - SMA
SPECIAL MENTION ACCOUNTS - SMA (₹ in Cr) Assets Quality – Dec '21 Assets No. Of A/c’s Above ₹ 5 cr. Up to ₹ 5 Cr. Dec ’21 % of Total Adv. Quality SMA 0 100093 1332 4418 5750 3.16 SMA 1 132396 135 4862 4997 2.74 SMA 2 114372 570 3680 4250 2.33 TOTAL 346861 2037 12960 14997 8.24 Assets Quality – Sep '
Slide 18: Covid-19 Credit Support
Covid -19 Credit Support Guaranteed Emergency Credit Line ₹ in Cr ECLGS -1 ECLGS -2 No. of Sanctions- 165775 No. of Sanctions- 71 Amount Sanctioned Amount Sanctioned 3150.15 369.10 ECLGS - 4 ECLGS -3 No. of Sanctions- 59 No. of Sanctions- 174 Amount Sanctioned Amount Sanctioned 4.82 14.82 16
Slide 19: Covid-19 Credit Support: Guaranteed Emergency Credit Line Extension
Covid -19 Credit Support Guaranteed Emergency Credit Line -Extension ₹ in Cr ECLGS -1 Extension ECLGS -2 Extension No. of Sanctions- 4555 No. of Sanctions- 47 Amount Sanctioned Amount Sanctioned 367.46 37.11 ECLGS -3 Extension No. of Sanctions- 148 Amount Sanctioned 12.93 17
Slide 20: Restructured Book
RESTRUCTURED BOOK (₹ in Cr) Segment Wise Dec ‘20 Mar ‘21 Jun ‘21 Sep ‘21 Dec ‘21 Standard Restructured Corporatete 859 986 976 997 575 MSME 1364 1723 1614 1452 732 Agriculture 305 301 273 254 216 Retail 518 468 463 433 406 Total 3046 3478 3326 3136 1929 Standard Restructured - Covid-19 Resolution Fr
Slide 21: NPA Classification
NPA CLASSIFICATION (₹ in Cr) NPA Classification: Sector Wise Advances Jun Sep Dec Particulars Dec '20 Mar ’21 O/s TOTAL NNPA NNPA % '21 '21 '21 (Dec '21) Total NPA 29,486 29277 27892 27252 27608 182098 7085 4.39 Retail 1,791 2542 2596 2308 2305 49843 958 1.98 Agriculture & Allied 4,325 5349 5560 560
Slide 22: NPA Movement
NPA MOVEMENT (₹ in Cr) Gross NPA Nine Months Dec '20 Mar '21 Jun '21 Sep '21 Dec '21 FY 22 Opening Gross NPAs 30785 29486 29277 27892 27252 29277 Add Slippage of PA to NPAs 59 5848 1281 2104 1235 3815 Increase in balance of 44 71 124 37 71 228 existing NPAs Sub Total 103 5919 1405 2141 1306 4043 Les
Slide 23: Asset Quality Trend
ASSET QUALITY TREND 16.30 16.55 15.92 15.52 15.16 Gross NPA % 5.77 5.09 4.73 4.51 4.39 Net NPA % Dec '20 Mar '21 Jun '21 Sep '21 Dec '21 (₹ in Cr) Particulars Dec '20 Mar '21 Jun '21 Sep '21 Dec '21 Gross Advances 180856 176913 175229 175594 182098 Net Advances 158776 156579 155154 155268 161514 Gro
Slide 24: Provision Coverage Ratio, Slippage Ratio and Net Interest Margin
PROVISION COVERAGE RATIO(PCR) 85.86 85.77 84.19 84.28 82.54 Dec '20 Mar '21 Jun '21 Sep '21 Dec '21 SLIPPAGE RATIO # NET INTEREST MARGIN # @ 1.45 3.77 3.36 2.99 2.84 0.95 0.88 0.07 Dec '20 Jun '21 Sep '21 Dec '21 Dec '20 Jun '21 Sep '21 Dec '21 # Figures of earlier period have been regrouped whereve
Slide 25: Status of NCLT Accounts
Status of NCLT accounts (₹ in Cr) RBI List 1 O/s ₹. 895.24 cr PCR on NCLT accounts 101.00 100.00 100.00 100.00 99.00 RBI List 2 O/s 98.00 ₹.5567.25 cr 97.00 96.00 95.42 95.00 94.00 93.68 Others 93.00 ₹ 17021.41 cr 92.00 91.00 90.00 RBI First List RBI Second List Others Total Total Exposure* (Incl.TW
Slide 26: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio (%) 15.38 15.87 14.81 14.88 12.39 1.97 2.03 1.99 1.94 Tier-II CET-I 2.07 12.82 12.94 13.41 13.84 10.32 Dec '20 Mar '21 Jun '21 Sep '21 Dec '21 Leverage Ratio (%) 5.13 5.15 5.22 5.00 4.13 24 Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Slide 27: Financials at a Glance - Quarterly
Financials at a Glance Quarterly Growth Growth Particulars Dec ' 20 Sep '21 Dec '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Total Interest Income 5783 5783 6057 4.74 4.74 Total Interest Expenses 3555 3288 3311 0.70 -6.86 Net Interest Income# 2228 2495 2746 10.06 23.25 Total Income # 6557 6527 6666 2.13 1.66 Tot
Slide 28: Fee Based Income - Quarterly
Fee Based Income Quarterly (₹ in Cr) Growth Growth Parameters Dec ' 20 Sep '21 Dec '21 Q-o-Q(%) Y-o-Y(%) Fee Based Income (i+ii+iii) 271 349 364 4.30 34.32 Commission Exchange & Brokerage(i) # 84 82 88 7.32 4.76 - Commission on LC/BG/DDs 55 45 48 6.67 -12.73 - Govt. Business 12 18 18 0.00 50.00 - Ba
Slide 29: Total Expenses - Quarterly
TOTAL EXPENSES Quarterly Growth Growth Parameters Dec ' 20 Sep '21 Dec '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Interest Expenses 3555 3288 3311 0.70 -6.86 Interest paid on Deposits 3441 3180 3199 0.60 -7.03 Other Interests 114 108 112 3.70 -1.75 Operating Expenses 1810 1814 2132 17.53 17.79 Staff Cost 1199
Slide 30: Provisions - Quarterly
PROVISIONS Quarterly (₹ In Cr) Growth Growth Parameters Dec ' 20 Sep '21 Dec '21 Q-o-Q(%) Y-o-Y(%) Total Provision # 1027 1175 944 -19.66 -8.08 NPAs # 565 1112 380 -65.83 -32.74 Standard Assets 200 -394 225 -157.11 12.50 Depreciation / Provisions on -67 292 193 -33.90 388.06 Investment including SRs
Slide 31: Financial Indicators
FINANCIAL INDICATORS Particulars Dec ' 20 Sep ' 21 Dec '21 Cost of Deposits(%)* 4.28 3.84 3.83 Yield on Advances(%)* 7.01 6.66 6.52 Yield on Investments(%) 6.52 6.85 6.28 Cost of Funds(%)* 4.34 3.90 3.89 Yield on Funds(%)* 7.76 7.79 8.31 NIM %* # @ 2.99 3.36 3.77 ROA %* 0.19 0.29 0.33 ROE % 0.86 1.0
Slide 32: NPA Provision Breakup
NPA PROVISION BREAKUP (₹ in Cr) Particulars Sep '21 Dec '21 NPA Provision Increase due to: Ageing Provision/Change in Value of Security 1332.36 156.01 Slippages/Increase in Balance/Fraud 357.86 541.82 Sub Total 1690.22 697.83 Less : Provision write back due to Cash Recoveries/Upgradation/ Restructur
Slide 33: Investment Portfolio
INVESTMENT PORTFOLIO Govt. Securities Dec '21 Dec '20 0% 2% 0% 4% 0% Other Approved 24% 0% 21% Shares 2% 2% Debentures & 0% Bonds 0% Subsidiaries & Joint Ventures Others 72% 73% (₹ in Cr) Investment Outside India Particulars Dec '20 Dec '21 Govt. Securities 110697 103916 Other Approved 0 0 Shares 30
Slide 34: Treasury Performance: Interest on Investment
TREASURY PERFORMANCE Interest on Investment Trading Profit 402 2505 2290 70 Dec '20 Dec '21 Dec '20 Dec '21 Yield on Investment Return on Investment 6.52 (including Trading Profit) 6.28 7.56 6.45 Dec '20 Dec '21 Dec '20 Dec '21 Particulars Dec '20 Dec '21 Interest on Investment (₹ in Cr) 2505 2290 Y
Slide 35: Treasury Operations
TREASURY OPERATIONS (₹ in Cr) Total Investment Book Dec-20 Dec-21 Aggregrate Investment 151285.55 145601.84 Portfolio HTM AFS HFT HTM AFS HFT Investment 89169.78 61052.58 1063.19 98013.68 47306.86 281.30 Percentage 58.94% 40.36% 0.70% 67.32% 32.49% 0.19% Total SLR 110695.98 103915.06 Of Which SLR 64
Slide 36: Digital Transactions
DIGITAL TRANSACTIONS UPI Apr ' 20 to Dec ' 20 Apr ' 21 to Dec ' 21 IMPS 9% 8% 10% 5% Mobile Banking 69% 6% 8% 3% Internet Banking 1% Debit card(POS) 1% 5% 61% 6% 1% RTGS/NEFT 1% AEPS-BHIM- 6% AADHAR -BC Others Share of Digital Txns through ADC 75.29% Share of Digital Txns through ADC 77.22% Payment
Slide 37: Financial Inclusion
FINANCIAL INCLUSION PMJDY Balance Outstanding No of accounts(In Lacs) (In Cr) 146.49 4374.66 144.58 143.67 4181.86 4183.47 143.05 4029.71 140.32 3785.28 Dec '20 Mar'21 Jun '21 Sep '21 Dec '21 Dec '20 Mar'21 Jun '21 Sep '21 Dec '21 Social Security Scheme No. of enrollments (In lacs) PMJJBY PMSBY APY
Slide 38: Prompt Corrective Action Compliance Status
Prompt Corrective Action Compliance status T Indicators Triggers Mar ’21 Jun ’21 Sep ’21 Dec ’21 R I P Capital Adequacy <11.50 14.81 14.88 15.38 15.87 G Ratio C G A E Net NPA >= 6% 5.77 5.09 4.51 4.39 R S Leverage Ratio <3.5% 5.00 5.13 5.15 5.22 36
Slide 39: Central Bank of India Group: Subsidiaries and Associates
CENTRAL BANK OF INDIA GROUP Subsidiaries (₹ In Cr) Cent Bank Home Finance Ltd. - Central Bank of Particulars 9M ended • Engaged into Housing Finance India Shareholding Dec'21 Dec'20 activity Total Income 91.01 98.77 • Presence in 9 States through 18 Branches and 1 SPOC location Net Profit / (Loss) 1
Slide 40: Central Bank of India Group: Group Position
CENTRAL BANK OF INDIA GROUP Group Position (₹ in Cr. ) Particulars As on 31 Dec' 2021 As on 31 Dec'2020 CAPITAL & LIABILITIES Capital 8681 5876 Reserves and Surplus 18550 16356 Minorities Interest 55 51 Share Application Money Pending Allotment 0 0 Deposits 338102 324272 Borrowings 5691 6072 Other L
Slide 41: Central Bank of India Group: Group Performance
CENTRAL BANK OF INDIA GROUP Group Performance (₹ in Cr.) 9M ended Particulars Dec'21 Dec'20 INCOME Interest and Dividend Earned 17392 17930 Other Income 2123 2267 Total 19515 20197 EXPENDITURE Interest Expended 9980 11170 Operating Expenses 5682 5064 Provisions and Contingencies 3105 3487 Total 1876
Slide 42: Goals for Mar '22
Goals for Mar '22 (₹ In Cr) Parameters Guidance ( 31.03.2022) Deposit Growth 8-9% Advances Growth 6 to 8 % Business Growth 6-7 % RAM: Corporate Credit Ratio 65:35 NIM More than 2.75 % CASA Around 50 % Gross NPA 12-12.50% Net NPA Less than 4% PCR More than 86% Slippage Ratio Less than 3% Credit Cost
Slide 43: Thank You
@ege a aif si2ar Central Bank of India
Central Bank of India — Q3 FY2021-22 Earnings Presentation on 6ix