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SGA SIB Investor Presentation Q3 FY18.Pdf Investor Presentation January - 2018 Safe Harbor No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation can not be copied and/or disseminated in any manner. 2 Contents Q3 FY18 Highlights Business Strategy Performance Matrix Next Generation Bank An Inflection Point About Us 3 Q3 FY18 Highlights 4 Award Wins Won Digital India Excellence Award 2017 Digital India Excellence Award 2017 for its innovation in mobile app ‘Digital e-lock’ in the 5th PAN-IIM World Management Awards 2017 5 Key Performance Highlights- Q3 FY18 CASA Deposits Advances Rs Crs Q3 FY18 16,929 Q3 FY18 68,109 Q3 FY18 52,449 Q3 FY17 16,486 Q3 FY17 63,595 Q3 FY17 45,234 3% 7% 16% Net Interest Income Other Income* 509 Q3 FY18 Q3 FY18 159 418 Q3 FY17 Q3 FY17 259 22% 39% PPOP* PAT 115 Q3 FY18 330 Q3 FY18 Q3 FY17 377 Q3 FY17 111 12% 3% Bank has also decided to augment the paid-up capital by issue of upto 20 cr equity shares of FV of Re.1 each through QIP 6 *De-growth is mainly due to declining treasury trading profit from Rs. 127 cr of Q3 FY17 to Rs. 11 cr of Q3 FY18 Business Strategy 7 Our Strategy… • Focus on retail loan products Expand • Efficient branches for faster processing of loans Retail • Continuous training of work force Business • Advanced technology for ease of customers • Invest in Brand Building Strengthen • Cluster based approach in industry hubs SME Base • Sole Banker to SMEs for all banking needs • Dedicated vertical to penetrate SME banking Improve • Strategy & Road map in place to increase CASA funds CASA • Centralized processes allowing branches to focus on garnering low cost funds Enhance • Granulize loan portfolio to spread out risk Asset • Cautious approach on large corporate lending Quality • Special recovery cell for monitoring non performing and restructured assets Improve • Focus on increasing banking services for SME, Retail, NRI share of • Enhance treasury capabilities & increase branch strength other • Expand PoS & ATM Network Income • Leveraging technology to introduce modern & new-age banking products 8 …Performance in Line with Strategy Expand Retail, SME & Strengthen SME Base Improve CASA Agriculture Business Rs. 32,523 Crs Rs. 13,255 Crs Rs. 16,929 Crs INCREASE INCREASE INCREASE 25% YoY 25% YoY 3% YoY Enhance Asset Quality Improve share of other (Restructured Book) Income Rs. 509 Crs Rs. 148* Crs DECREASE INCREASE 61% YoY 12% YoY 9 *Other Income of Rs. 148 crore excludes profit on sale of investment Shall continue to focus on Core Strengths 01 Increase … 02 Retail Business … 03 SME Business … CASA More Products Sole Banker Retail SME Relationships Relationships 06 Sustainable… 05 Increase… 04 Improve Asset Quality Fee Income NIM 10 ...Increase Retail & SME Business 01 02 03 Centralized Retail Hub Marketing & • Home Loan Cluster Processing • Auto Loan Branches Centre (Kochi) • MSME Loan • LAP Loan Processing Retail Business Branch Profitability • Enhanced risk management • Penetrate further in the • Focus on particular existing set of Customers geographies and open • KYC compliance and fraud additional branches prevention tools • Faster Sanctions • Improve Branch Profitability 11 …by focus on Housing Loans in Retail Retail Breakup Housing: Key Initiatives Rs Crs 13,027 • Retail hub in Kochi to increase focus on 12,234 housing finance 12,002 1,422 11,566 • Two more hubs to be set up – one in 1,369 1,436 10,409 1,329 1,008 South India and one in North India 986 1,047 1,154 801 • Branch staff being given specific training 909 3,671 to market mortgage loans 3,252 3,292 3,127 • Marketing initiative through TVCs 2,622 • Tailor made products for different 2,250 2,085 2,041 2,017 segments 1,606 1,328 1,321 1,361 1,320 1,290 Oct to Dec 2017 3,348 2,828 2,903 2,993 3,122 • Mortgage Loans Sanctioned : 2,820 Nos. • Amount of Mortgage Loans Sanctioned – 950 Crs Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Others Service & Traders Gold LAD* Manufacturing Housing *LAD = Loan against deposits 12 …becoming a Banker of Choice to SMEs Average SME Loan / Account SME Loan Book by Geography – Q3 FY18 Rs Lakhs Rest of India 23.50 26% Kerala 42% 21.25 19.69 17.66 South (Ex- Kerala) 16.10 32% SME Highlights • Dedicated JGM appointed to ensure focus and better coordination with regions • Focused ‘Green Channel’ branches to drive faster loan growth to SMEs • Target to become banker of choice to SMEs thereby getting other business as well – liabilities, vehicle finance, etc. Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 • Ongoing training (in-house as well as external) 13 …with the help of our Branch Network Total Branch Network +3.6% 822 834 850 851 738 794 FY13 FY14 FY15 FY16 FY17 9M FY18 Total ATM Network +13.3% No of Branch Location* 1,287 1,320 1,370 Branches 1,200 1,000 Kerala 463 800 South India (Ex-Kerala) 246 Rest of India 142 Total 851 FY13 FY14 FY15 FY16 FY17 9M FY18 *Map for illustration purpose only 14 … and our Experienced Employees Employee Addition Total Employees: 7,364* 83 7,364 191 279 10% 6,983 6 24% 3% 30% 33% Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Closing < 1 Year 1-2 Years 2-5 Years 5-10 Years > 10 Years *Full-time officers and clerks. 15 Performance Matrix 16 Strong Deposit Franchise Core & Non-Core Deposits Dec-17 Dec-17 Dec-17 Rs Crs 56,640 11,469 68,109 5% 17% 7% 53,823 9,772 63,595 Dec-16 Dec-16 Dec-16 Core Deposit Non-Core Deposit Total Deposit CASA Deposits Dec-17 Dec-17 Dec-17 Rs Crs 3,129 13,799 16,929 6% 2% 3% 2,946 13,540 16,486 Dec-16 Dec-16 Dec-16 Current Deposit Savings Deposit Total CASA 17 Core Deposits Growing... Breakup of Deposits CASA Deposit Rs Crs Rs Crs 68,109 +3% 66,117 65,791 67,142 63,595 16,486 16,929 2,946 3,129 13,540 13,799 38,498 39,618 39,746 37,415 39,162 Dec-16 Dec-17 Current Savings Term Deposits 12,994 13,799 Rs Crs 13,540 13,522 13,526 +6% 39,746 2,753 3,129 37,415 2,946 3,064 2,959 9,693 11,874 10,043 11,039 11,435 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Term Savings Current Others* Dec-16 Dec-17 *Others includes: Bulk, Certificates of Deposits 18 NRI Deposits Growing… NRI Deposits CASA Rs Crs In (%) 18,375 17,850 17,389 16,317 16,821 25.9 25.2 24.9 23.8 24.6 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 19 Break Up of Non Resident Deposits Deposit Type (Rs Crs) Q3-FY 17 Q4-FY 17 Q1-FY 18 Q2-FY 18 Q3-FY 18 NRE SB 2,888 2,908 3,089 3,106 3,212 NRO SB 482 508 520 539 603 FCNR (B), RFC & Others 1,287 1,446 1,508 1,568 1,598 Low Cost NRI Deposit (Sub 4,657 4,862 5,117 5,213 5,413 Total) NRE Term Deposit 11,191 11,453 11,767 12,130 12,427 NRO Term Deposit 469 506 505 507 535 Total NRI Deposit 16,317 16,821 17,389 17,850 18,375 20 Composition of Loan Book Corporate Advances (Above Rs 25 Crs) Retail Advances Rs Crs Rs Crs 17,982 17,901 17,536 17,872 18,598 31,845 33,851 29,183 29,728 27,252 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Segment wise Break Up of Total Loan Book Rs Crs 7,569 , 18,598 , 14.43% 35.46% Corporate 13,255 , Retail Ex Gold 25.27% Gold SME Agriculture 1,328 , 11,699 , 21 2.53% 22.31% Composition of Corporate Loan Book 74% of Corporate Loan Book is Investment Grade Segment wise Break Up of Corporate Loan Rs Crs Book > Rs.25 crore Rs Crs Sept - 17 Dec - 17 100.0% 100.0% 100.0% 100.0% 100% 0.8% 0.5% 0.2% 0.2% 0.1% Financial Intermediarias 4,062 4,208 13.7% 18.9% 18.3% 19.2% Infrastructure 3,096 2,788 24.7% Cements & Products 1,057 951 15.1% Professional Services 960 710 15.9% 19.0% 18.6% 21.2% Basic Metal & Metal Products 911 1,133 Textiles 681 686 33.0% 32.8% Trade 498 434 38.3% 35.0% 28.1% Chemicals and Chemical Products 502 412 Food Processing and Agri Allied 488 450 16.3% Activities 14.6% Construction 392 351 9.4% 15.1% 15.6% All Engineering 338 303 19.0% 14.7% 12.0% 11.2% 10.3% All other Manufacturing Industries 3,690 4,308 2.1% 2.7% 3.0% 0.6% 0.0% All Other Service Sectors 1,197 1,864 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Total Corporate Portfolio 17,872 18,598 AAA A BB Unrated AA BBB <BB 22 Key Focus : Retail, SME & Agriculture Retail excluding Gold Gold ( Average LTV – 65%) Rs Crs Rs Crs 11,699 1,290 1,321 1,361 1,320 1,328 10,245 10,641 10,914 Retail Loans (Excl.
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