Central Bank of India · NSE:CENTRALBK
Central Bank of India — Q2 FY2020-21 Earnings Presentation
50 slides from Central Bank of India's earnings presentation, Nov 6, 2020
Slide 1: Exchange filing letter for results presentation
ca cbltl:qq Central Office CO:MBD:2020-21: 159 6th November, 2020 National Stock Exchange of India Limited General Manager Listing Department Corporate Relationship Deptt Exchange Plaza, BSE Ltd. Plot No.C/1, 'G' Block Phiroze Jeejeebhoy Towers Bandra-Kurla Complex Dalal Street, Fort Bandra (E), Mum
Slide 2: Financial Results for the quarter ended 30.09.2020 - Analyst Presentation
Financial Results for the quarter ended 30.09.2020 Analyst Presentation Visit us at www.centralbankofindia.co.in :- http://twitter.com/centralbank_in :-https://www.facebook.com/centralbankofindia 1
Slide 3: Safe Harbour
Safe Harbour Certain statements in these slides are forward-looking statements. These statements are based on Management's current expectations and are subject to uncertainty and changes in circumstances. Actual outcomes may differ materially from those included in these statements due to a variety
Slide 4: Vision and Mission
VISION “CENTRAL TO YOU SINCE 1911 MISSION To provide Customer Centric products and services by leveraging human resources and technology
Slide 5: Contents
CONTENTS 1 Strength, Shareholding & Branch Network 2 Performance Highlights 3 Financial Performance 4 Asset Quality 5 Capital Adequacy 6 Profitability 7 Treasury Performance 8 Digital Banking 9 Financial Inclusion 10 Consolidated Financials 11 New Initiatives & Award 4
Slide 6: Strengths
STRENGTHS Strong Brand Image PAN India Branch with Legacy of 108+ Network years Strong CASA Strong BC Network Strong Digital Strong RUSU Banking setup Presence Best in class industry initiatives 5
Slide 7: Shareholding Pattern
SHAREHOLDING PATTERN As on September 30, 2020 Insurance Other body Cos Corp FIIs 0.47% 0.34% Public • Share Capital : Rs. 5875.56 cr 0.19% 2.55% Banks & FI • Shares of Central Bank of India are 6.66% listed on BSE and NSE. • Equity Shares of Central Bank of India are part of NSE 500, BSE 500 & BSE P
Slide 8: Pan India Branch Network
PAN INDIA BRANCH NETWORK As on 30 Sep'20 1 17 Total Branches 4646 Rural 1606 55 12 153 42 Semi Urban 1336 107 16 139 Urban 818 8 172 594 Metro 886 122 438 7 8 8 322 465 89 326 6 2 19% 120 34% 105 3 608 97 18% 110 131 31 1 29% 3 208 Rural Semi Urban Urban Metro 120 7
Slide 9: Performance Highlights
PERFORMANCE HIGHLIGHTS Net Profit of Rs 161 Cr during the quarter as against a Net Profit of Rs. 134 Cr during the corresponding quarter last year registering a YoY growth of 20.15%. Provision Coverage Ratio (PCR) improved from 76.88% as on 30 th Sep'19 to 82.24% as on 30th Sep'20. Net NPA improved
Slide 10: Performance Highlights
PERFORMANCE HIGHLIGHTS Qtr Qtr Sep '20 over Sep '19 Sep '20 over Jun '20 Y-o-Y Q-o-Q 161 Cr 161 Cr Net Profit 134 Cr 135 Cr 3.35% 3.35% NIM 2.82% 3.08% 2354Cr 2354 Cr NII 1891 Cr 2146 Cr 9
Slide 11: Performance Highlights
PERFORMANCE HIGHLIGHTS Qtr Qtr Sep '20 over Sep '19 Sep '20 over Jun '20 Y-o-Y Q-o-Q 82.24% 82.24% PCR 76.88% 79.12% 17.36% 17.36 GNPA 19.89% 18.10 5.60% 5.60% NNPA 7.90% 6.76% 10
Slide 12: Profitability Ratios
PROFITABILITY RATIOS Net Interest Margin(%) Net Interest Income (Rs. in Crore) 2354 3.35 2146 3.08 2022 2.92 1891 1926 2.82 2.85 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Cost to Income Ratio(%) Liquidity Coverage Ratio (%) 80.99 376.72 369.99 62.07 54.79 53.48
Slide 13: Profitability Ratios
PROFITABILITY RATIOS Cost of Deposits (%) Yield on Advances (%) 5.18 7.77 5.08 5.05 7.62 4.70 7.37 4.45 7.30 7.31 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Return on Assets (ROA)(%) Credit Cost(%) 0.17 0.19 0.20 3.91 0.17 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Slide 14: Strong Liability Franchise
STRONG LIABILITY FRANCHISE Rs. in Cr Total Deposits 323444 321252 319318 313763 314305 308435 304679 Total Deposits 303424 304376 Total Average 298497 Deposits Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 CASA 153788 150501 150843 145279 147743 138172 139863 140066 CASA 136457 Average CASA 134028 Sep '19
Slide 15: Deposit Mix
DEPOSIT MIX (Rs. in Cr) Sep '19 Sep '20 Inter Bank Inter Bank High Cost High Cost Deposits Deposits Deposit Deposit Current 0.35% 1.04% 0.02% Current 0.02% 4.59% 4.56% Core Core Time Savings Time Savings Deposit 40.76% Deposit 42.99% 53.59% 52.08% Particulars Sep '19 Sep '20 Y-o-Y Growth Current 139
Slide 16: Advances Mix
ADVANCES MIX Rs. in Cr Sep '19 Sep '20 Retail 26.45% 24.40% 36.06% 37.27% Agri MSME 19.84% 21.00% Corporate 17.65% 17.33% RAM : 62.73% RAM : 63.94% SECTORS Sep '19 Sep '20 Y-o-Y Growth (%) Retail 41084 46887 14.12 Agriculture 35368 35174 -0.55 MSME 29180 31292 7.24 RAM 105632 113353 7.31 Corporate 6
Slide 17: Rated Standard Advances
RATED STANDARD ADVANCES As per BASEL III Sep'19 Sep'20 Unrated AAA Unrated AAA BB and 4% 13% BB and 5% 9% Below Below AA 16% 19% 23% CRE AA 3% 21% CRE Government 6% A guaranteed Government 16% advances guaranteed A 12% advances BBB BBB 11% 9% 16% 17% Investment Grade & above : 57% Investment Grade &
Slide 18: Retail Segment
RETAIL SEGMENT As on 30 Sep '20 Rs in Crore Home Loan Rs. 26587 (56.70% of Total Retail Advance) Other Retail Auto Loan Loans Rs. 2785 Rs. 11342 (5.94% of Total (24.19% of Total Retail Advance) Retail Advance) Retail Segment Rs. 46887 (26.45% of Total Advance) Education Personal Loan Loan Rs. 3712 R
Slide 19: Retail Segment
RETAIL SEGMENT Rs in Crore Retail Segment Home Loans Auto Loans 26587 2785 46887 2589 23746 41084 Sep '19 Sep '20 Sep '19 Sep '20 Personal Loans 2461 2195 Sep '19 Sep '20 Education Loans Other Retail Loans 11342 3907 3712 8647 Sep '19 Sep '20 Sep '19 Sep '20 Sep '19 Sep '20 18
Slide 20: Asset Quality
ASSET QUALITY Standard Restructured Rs in Cr 2885 2755 2421 523 637 Retail 2058 593 305 202 Agriculture 1764 547 139 526 152 1060 1205 860 MSME 167 534 238 Corporate 833 825 829 856 852 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Rs in Cr Segment wise Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Corporate 83
Slide 21: Asset Quality
ASSET QUALITY SMA 0 Rs in Cr 48098 45093 4473 8497 8576 Retail 3675 26903 Agriculture 14232 14044 449 7955 MSME 3359 Corporate 20896 18798 15140 1691 4415 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Rs in Cr Segment wise SMA 0 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Corporate 20896 18798 15140 137 2390*
Slide 22: Asset Quality
ASSET QUALITY SMA 1 Rs in Cr 8831 799 7676 2725 Retail 2970 Agriculture 2800 953 2997 MSME 2538 2619 324 1857 Corporate 847 611 788 319 981 2507 733 1134 1038 671 725 221 134 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Rs in Cr Segment wise SMA 1 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Corporate 2507 11
Slide 23: Asset Quality
ASSET QUALITY SMA 2 Rs in Cr 7963 670 7010 2802 2888 5101 Retail 314 Agriculture 612 2338 MSME 2757 2597 1173 1450 Corporate 1964 219 1734 336 473 213 913 485 406 212 527 197 Sep '19 Dec '19 Mar'20 Jun '20 Sep '20 Rs in Cr Segment wise SMA 2 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Corporate 1734 913
Slide 24: Provision Coverage and Slippage Ratio
PROVISION COVERAGE(%) 82.24 79.12 76.88 77.29 73.73 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 SLIPPAGE RATIO(%) 3.22 0.92 0.33 0.02 0.08 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 23
Slide 25: NPA Movement
NPA MOVEMENT Rs. in Crore Gross NPA Sep '19 Mar '20 Jun '20 Sep '20 Qtr Qtr Qtr Qtr Opening Gross NPAs 32908 33259 32589 31946 Slippage of PA to NPAs 1199 378 20 97 Increase in balance of existing NPAs 21 62 14 16 Sub Total 1220 440 34 113 Less: Up gradation 38 33 92 123 Recovery (Including Sale to
Slide 26: Asset Quality Trend
ASSET QUALITY TREND 19.89 19.99 18.92 18.10 17.36 Gross NPA % 9.26 7.90 7.63 6.76 Net NPA % 5.60 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Rs. in Crore Particulars Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Gross Advances 168401 166411 172244 176496 177293 Net Advances 146294 146595 151101 154919 155085
Slide 27: Status of NCLT Accounts
STATUS OF NCLT ACCOUNTS As on Sep'20 RBI List 1 O/s Rs. 871.13 cr PCR on NCLT accounts RBI List 2 O/s 100.00% Rs. 5412.58 cr 96.50% 96.13% 94.44% Others O/s Rs. 15388.09 cr RBI Ist List RBI IInd List Others Total Total O/s Rs. 21671.80 cr 26
Slide 28: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio (%) 12.69 12.83 12.34 11.72 11.50 2.35 2.19 2.21 Tier-II 2.39 2.28 CET-I 10.34 10.64 10.13 9.33 9.22 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Leverage Ratio (%) 4.37 4.39 3.96 3.83 3.78 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 27
Slide 29: Profitability
PROFITABILITY (Rs in Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) 1.Total Income 6833 6727 6704 13560 13197 1.58 1.92 1.1 Interest Income 6052 6017 5890 12069 11604 0.58 2.75 1.2 Ot
Slide 30: Total Income
TOTAL INCOME (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) Interest Income 6052 6017 5890 12069 11604 0.58 2.75 (i) Advances 3203 3123 3137 6326 6206 2.56 2.10 (ii) Investmen
Slide 31: Non-Interest Income
NON-INTEREST INCOME (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) NON-INTEREST 781 1491 --4.05 710 814 1593 10.00 INCOME Commission, Exchange & 264 548 15.79 284 228 565 -7.0
Slide 32: Total Expenditure
TOTAL EXPENDITURE (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) A)Interest Expended 3698 3871 3999 7569 7923 -4.47 -7.53 i) Deposits 3572 3728 3871 7300 7655 -4.18 -7.72 ii)
Slide 33: Establishment Expenses
ESTABLISHMENT EXPENSES (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) Basic Pay/ Spl. Pay 309 319 327 628 658 -3.13 -5.50 Special Allowance 23 25 24 48 50 -8.00 -4.17 Dearness
Slide 34: Other Operating Expenses
OTHER OPERATING EXPENSES (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) Other Operating Expenses Rent & Taxes 92 84 96 176 170 9.52 -4.17 Lighting, Generator 39 20 39 59 68 95
Slide 35: Provisions & Profit
PROVISIONS & PROFIT (Rs. In Crore) Quarter ended Half year ended Growth % Qtr Qtr Particulars Sep '20 Sep '20 Sep '20 Jun '20 Sep '19 Sep '20 Sep '19 over over Jun '20 Sep '19 (Q-o-Q) (Y-o-Y) OPERATING PROFIT 1458 1291 1026 2749 2130 12.84 42.11 PROVISIONS 1297 1156 892 2453 1878 12.20 45.40 i) NPA
Slide 36: NPA Provision Breakup
NPA PROVISION BREAKUP (Rs. In Crore) Particulars Sep'20 Jun'20 NPA Provision Increase due to: Ageing (including provision due to shifting of accounts from DA2 to DA3 1191 628 at Rs. 801 crore) Slippages/Increase in Balance/Fraud 242 12 Security erosion 122 51 Sub Total 1555 691 Less : Provision writ
Slide 37: Investment Portfolio
INVESTMENT PORTFOLIO Sep'19 Govt. Securities Sep'20 0% 5% 0% 0% 3% 18% Other Approved 21% 0% 2% 2% Shares 0% Debentures & 0% Bonds Subsidiaries & Joint Ventures 75% Others 74% Investment Outside India (Rs. in Crore) Particulars Sep '19 Sep '20 Govt. Securities 105793 114920 Other Approved 0 0 Shares
Slide 38: Treasury Operations
TREASURY OPERATIONS AFS BOOK (Rs. in Crore) PSU OTHERS Sep'19 PSU OTHERS Sep'20 5% 9% 6% 9% CORPORATE G-sec & T-bill CORPORATE G-sec & T-bill BOND 48% BOND 46% 3% 6% SDL 28% SDL 29% CP CP 7% 4% Modified Duration : 2.05 Modified Duration : 2.71 Break up of Domestic Investments(%) (Rs. in Crore) 56% 5
Slide 39: Treasury Performance
TREASURY PERFORMANCE Interest on Investment Trading Profit 2406 2527 395 382 Sep'19 Sep'20 Sep'19 Sep'20 Yield on Investment Return on Investment (including Trading Profit) 6.98 6.81 8.12 7.83 Sep'19 Sep'20 Sep'19 Sep'20 Particulars Sep '19 Sep '20 Interest on Investment (Rs. in Crore) 2406 2527 Yie
Slide 40: Digital Transactions
DIGITAL TRANSACTIONS Penetration Oct 18 to Sep 19 Oct 19 to Sep 20 UPI 16% IMPS 8% 7% Mobile Banking 8% 39% 9% 56% Internet Banking 1% Debit card(POS) 13% 7% RTGS 4% 1% NEFT 1% 2% 7% 11% 9% 1% AEPS Share of Digital Txns through ADC 46.78% Others Share of Digital Txns through ADC 65.42% Payment Accep
Slide 41: Digital Penetration
DIGITAL PENETRATION As on 30 Sep'20 UPI • Processing 16.31 lakhs transactions per day • Handled 2984 lakhs transactions during the HY1 2020-21 • Number of UPI-VPA users: 8.14 lakhs Debit Card • No. of cards at 2.53 Crore (Active EMV Cards) • Handled 305.94 lakhs online transactions during the HY1 20
Slide 42: BC Network
BC NETWORK No. of transactions via BC (in Lacs) 146.08 133.71 124.86 119.70 121.65 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Amount of transactions via BC (Rs. in Crores) 6294.03 6374.24 5701.22 5960.21 4616.88 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 41
Slide 43: Financial Inclusion
FINANCIAL INCLUSION PMJDY No of accounts(In Lacs) Balance Outstanding Accounts with Zero Balance (In Crores) (in Lacs) 136.72 3668.74 3677.31 130.84 3005.66 3138.07 2745.42 18.07 18.33 19.14 17.33 15.28 122.24 122.59 120.37 Sep '19 Dec '19 Mar '20 Jun '20 Sep '20 Sep '19 Dec '19 Mar '20 Jun '20 Sep
Slide 44: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Subsidiaries (Rs. In Crore) Cent Bank Home Finance Ltd. - Central Bank of Particulars HY Ended • Engaged into Housing Finance India Shareholding Sep'20 Sep'19 activity Total Income 65.81 71.78 • Presence in 9 States through 18 Branches Net Profit / (Loss) 6.74 4.32 • Adva
Slide 45: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Group Position Rs. in Cr. Particulars As on 30 Sep 2020 As on 30 Sep 2019 CAPITAL & LIABILITIES Capital 5876 4126 Reserves and Surplus 16192 15574 Minorities Interest 48 43 Share Application Money Pending Allotment 0 3353 Deposits 323836 305159 Borrowings 6581 5595 Other
Slide 46: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Group Performance Rs. in Cr. HY Ended Particulars Sep'20 Sep'19 INCOME Interest and Dividend Earned 12121 11663 Other Income 1492 1583 Total 13613 13247 EXPENDITURE Interest Expended 7599 7961 Operating Expenses 3249 3153 Provisions and Contingencies 2461 1887 Total 13309
Slide 47: New Initiatives
NEW INITIATIVES “Project DISHA” - Analytics-Based Business Transformation Program • To drive Business Transformation in Retail, Agriculture, MSME Credit and Fee Based Income through CASA for propelling Business Growth and to reinvent the Business Processes for better efficiency and sustainability, B
Slide 48: New Initiatives
NEW INITIATIVES Key HR Initiatives And Projects • Aligning HR systems, structures, processes, policies and practices with strategic goals. HR policies to be Outcome Centric. • Improving existing performance management system to have Business-Outcome focused performance appraisals. • Implementing pro
Slide 49: Award
AWARD Bank has made strong progress on many Key Action Points such as accelerating push towards customer-centric digital transformation, faster speed to market through technology enablement and has initiated strengthening of underwriting and risk capabilities. In EASE 2.0 Bank is awarded with First
Slide 50: Thank You
a Bega acs site si3zar Central Bank of India CENTRAL TO YOU SINCE 1911 THANK YOU 49
Central Bank of India — Q2 FY2020-21 Earnings Presentation on 6ix