RBL Bank Ltd. · NSE:RBLBANK
RBL Bank — Investor Presentation (August 2014)
25 slides from RBL Bank's investor presentation, August 2014
Slide 1: Corporate Presentation August 2014
Corporate Presentation August 2014 1
Slide 2: Contents
Contents BRIEF HISTORY & TRANSFORMATION STRENGTHENING CAPITAL BASE BOARD & KEY MANAGEMENT BUILDING IT RIGHT ROBUST FINANCIAL PERFORMANCE VALUE DRIVERS 2
Slide 3: Brief History & Transformation
BRIEF HISTORY & TRANSFORMATION 3
Slide 4: Brief History
Brief History One of India’s fastest growing scheduled commercial banks with a 70 year heritage and a forward looking vision Concentrated largely in Maharashtra, Karnataka & Goa until 2010 Journey of transformation into a modern bank from 2010 by bringing in an experienced new management team
Slide 5: Defining our Vision & Mission
Defining our Vision & Mission Our Vision : To be a Bank of Choice by creating and nurturing enduring relationships through trust and respect of our customers, employees and partners Our Mission: CUSTOMERS AT THE HEART COMMUNITY AS THE CAUSE To engage and understand To deliver robust and cost- custom
Slide 6: Our Core Values
Our Core Values To act in a manner that earns the trust and EXCELLENCE admiration of others To be enterprising and take ownership of our ENTREPRENEURIAL actions To be sensitive and responsible for what we say RESPECT and do TEAMWORK To be successful together To conduct our duties with good judgement
Slide 7: Our Journey
Our Journey CONSOLIDATE & TRANSFORM BUILDING IT RIGHT NEW ENERGY 7
Slide 8: Transformation from 'Old' to 'New'
Transformation from ‘Old’ to ‘New’… 8 Platform Transformation Scale up Governance • Strengthen Board – diverse expertise • Bring in highly reputed action leaders ‘New Age Private Bank’ ‘Old Age Private Sector (2014) Bank’ (since 1943) Shareholding + Financial Strength • Building scale • Low growth r
Slide 9: Strengthening Capital Base
STRENGTHENING CAPITAL BASE 9
Slide 10: Recent Capital Raises
Recent Capital Raises Mar’10 Mar’13 Capital base of ~INR 350 Cr Fund raise - INR 324 Cr Jan’11 Mar’14 Fund raise INR 703 Cr Fund raise - INR 328 Cr 10
Slide 11: Strong Shareholders
Strong Shareholders Global & Indian Institutions: Global Private Equity Firms: Indian Private Equity Firms: FAERING CAPITAL 11
Slide 12: Board & Key Management
— BOARD & KEY MANAGEMENT b RBLBANK 12
Slide 13: Accomplished & Independent Board of Directors
Accomplished & Independent Board of Directors Rama Bijapurkar Narayan Ramchandran Vishwavir Ahuja • Leading expert on market strategy & India’s Non-executive Chairman Designate Managing Director & CEO consumer economy • Ex CEO & Country Head-Morgan • Ex CEO, Bank of America India • Serves/served on
Slide 14: Highly Capable Management Team
Highly Capable Management Team Vishwavir Ahuja Rajeev Ahuja Nitin Chopra Managing Director & CEO Head of Strategy Head - Consumer & Retail Banking • Ex CEO, Bank of America India • Ex-Head, Investor Sales / Capital • Ex-Head, Consumer Banking, ABN • 30+ year long banking career Markets, Citibank Ind
Slide 15: Highly Capable Management Team
Highly Capable Management Team Surinder Chawla Rana Vikram Anand Harjeet Toor Head – Branch Banking Head – Business Banking Head –Retail Assets & Small Business Lending • Over 20 years of retail banking • 25 years of experience in retail and • Over 21 years of experience in experience across Standar
Slide 16: Building It Right
—= BUILDING IT RIGHT b RBLBANK 16
Slide 17: Client Segments & Common Building Blocks
Client Segments & Common Building Blocks Product, Delivery Wrap the Bank around Innovation – change Agri & the customer – meet all game to play to Development Business & Banking needs strengths Commercial Banking • Semi-urban and rural • Focus on SME and underserved; MSMEs, Emerging corporates Agri
Slide 18: Geographical Expansion
Geographical Expansion • A network of 180 Branches and 374 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 agricu
Slide 19: Risk Management, Technology & Operations in place
Risk Management, Technology & Operations in place 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 f
Slide 20: Financial Performance
— FINANCIAL PERFORMANCE b RBLBANK 20
Slide 21: Key Financial Indicators
Key Financial Indicators Deposits & Advances (Rs. crore) Networth (Rs. crore) 11,599 Deposits 2,013 9,835 1,615 Advances 8,341 6,376 1,074 1,130 4,739 1,585 2,042 4,132 349 1,170 1,905 FY10 FY11 FY12 FY13 FY14 FY10 FY11 FY12 FY13 FY14 Net NPA (%) Net Profit (Rs. crore) 133* 0.97% 92 66 0.36% 0.20% 0
Slide 22: Robust Financial Performance
Robust Financial Performance Robust Financial Metrics (INR Cr) FY 10 FY 11 FY 12 FY13 FY14 CAGR Capitalisation Advances (Net) 1,170 1,905 4,132 6,376 9,835 70% Deposits 1,585 2,042 4,739 8,341 11,599 64% NII 59 95 187 257 342 55% Non-Interest Income 13 19 67 126 261 112% Strong PAT 19 12 66 92 133*
Slide 23: Value Drivers
—= VALUE DRIVERS b RBLBANK 23
Slide 24: Key Value Drivers
Key Value Drivers Customer Focus: Fuller product capability leading to greater customer acquisition across businesses Process re-engineering for enhancing customer service Customer CASA: Domain specific CASA strategy for each group for all-round liquidity generation Stronger technology drive
Slide 25: Disclaimer
Disclaimer: This presentation has been prepared by RBL Bank Limited (the “Bank”) and is being furnished to you, the recipient, solely for your information and may not be copied, reproduced, delivered or transmitted(in whole or in part), directly or indirectly, in any manner. The information containe