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Investor PresentationJanuary - 2018
2
Safe Harbor
No representation or warranty, express or implied is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of suchinformation or opinions contained herein. The information contained in thispresentation is only current as of its date. Certain statements made in thispresentation may not be based on historical information or facts and may be “forwardlooking statements”, including those relating to the Company’s general business plansand strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actualresults may differ materially from these forward-looking statements due to a numberof factors, including future changes or developments in the Company’s business, itscompetitive environment and political, economic, legal and social conditions in India.This communication is for general information purpose only, without regard tospecific objectives, financial situations and needs of any particular person. Thispresentation does not constitute an offer or invitation to purchase or subscribe forany shares in the Company and neither any part of it shall form the basis of or berelied upon in connection with any contract or commitment whatsoever. TheCompany may alter, modify or otherwise change in any manner the content of thispresentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.
3
Contents
About Us
Q3 FY18 Highlights
Performance Matrix
Next Generation Bank
An Inflection Point
Business Strategy
4
Q3 FY18 Highlights
5
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
6
Key Performance Highlights- Q3 FY18
16%7%
Deposits
68,109
63,595
Q3 FY18
Q3 FY17
Advances
52,449
45,234
Q3 FY18
Q3 FY17
CASA
16,929
16,486
Q3 FY18
Q3 FY17
3%
Net Interest Income
Q3 FY18
Q3 FY17
509
418
22%
Q3 FY18
Q3 FY17
Other Income*
159
259
39%
Rs Crs
PAT
115
111
Q3 FY18
Q3 FY17
3%
PPOP*
330
377
Q3 FY18
12%
Q3 FY17
*De-growth is mainly due to declining treasury trading profit from Rs. 127 cr of Q3 FY17 to Rs. 11 cr of Q3 FY18
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
7
Business Strategy
8
Our Strategy…
• Focus on retail loan products
• Efficient branches for faster processing of loans
• Continuous training of work force
• Advanced technology for ease of customers
• Invest in Brand Building
Expand Retail
Business
• Cluster based approach in industry hubs
• Sole Banker to SMEs for all banking needs
• Dedicated vertical to penetrate SME banking
Strengthen SME Base
• Strategy & Road map in place to increase CASA funds
• Centralized processes allowing branches to focus on garnering low cost funds
Improve CASA
• Granulize loan portfolio to spread out risk
• Cautious approach on large corporate lending
• Special recovery cell for monitoring non performing and restructured assets
Enhance Asset
Quality
• Focus on increasing banking services for SME, Retail, NRI
• Enhance treasury capabilities & increase branch strength
• Expand PoS & ATM Network
• Leveraging technology to introduce modern & new-age banking products
Improve share of
other Income
9
…Performance in Line with Strategy
INCREASE25% YoY
Expand Retail, SME & Agriculture Business
Rs. 32,523 Crs
Strengthen SME Base
Rs. 13,255 Crs
Improve CASA
Rs. 16,929 Crs
INCREASE25% YoY
INCREASE3% YoY
Enhance Asset Quality(Restructured Book)
Rs. 509 Crs
DECREASE61% YoY
Improve share of other Income
Rs. 148* Crs
INCREASE12% YoY
*Other Income of Rs. 148 crore excludes profit on sale of investment
10
Shall continue to focus on Core Strengths
01 Increase …
CASA
02 Retail Business …
More Products
03 SME Business …
Sole Banker
04 Improve
NIM
05 Increase…
Fee Income
06 Sustainable…
Asset Quality
RetailRelationships
SMERelationships
11
...Increase Retail & SME Business
• Enhanced risk management
• KYC compliance and fraud prevention tools
Loan Processing
• Penetrate further in the existing set of Customers
• Faster Sanctions
Retail Business
• Focus on particular geographies and open additional branches
• Improve Branch Profitability
Branch Profitability
Centralized Marketing & Processing
Centre (Kochi)
01 02 03
Retail Hub
• Home Loan• Auto Loan• MSME Loan• LAP
Cluster Branches
12
…by focus on Housing Loans in Retail
2,828 2,903 2,993 3,122
1,290 1,321 1,361 1,320
1,6062,085 2,041 2,017
2,622
3,127 3,252 3,292909
801986 1,047
1,154
1,3291,369 1,436
3,348
1,328
2,250
3,671
1,008
1,422
Jun-17
12,002 12,234
Sep-17 Dec-17
11,566
Dec-16
13,027
Mar-17
10,409
Retail Breakup
Others Service & Traders
LAD* Housing
Gold
Manufacturing
Housing: Key Initiatives
• Retail hub in Kochi to increase focus on housing finance
• Two more hubs to be set up – one in South India and one in North India
• Branch staff being given specific training to market mortgage loans
• Marketing initiative through TVCs
• Tailor made products for different segments
Oct to Dec 2017
• Mortgage Loans Sanctioned : 2,820 Nos.
• Amount of Mortgage Loans Sanctioned – 950 Crs
Rs Crs
*LAD = Loan against deposits
13
…becoming a Banker of Choice to SMEs
SME Loan Book by Geography – Q3 FY18
• 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.
• Ongoing training (in-house as well as external)
SME Highlights
Average SME Loan / Account
23.50
21.25
19.69
17.66
16.10
Dec-17Dec-16 Mar-17 Jun-17 Sep-17
Rs Lakhs
Kerala42%
South (Ex-Kerala)
32%
Rest of India26%
14
…with the help of our Branch Network
Branch Location*No of
Branches
Kerala 463
South India (Ex-Kerala) 246
Rest of India 142
Total 851
Total Branch Network
Total ATM Network
851850834822794738
FY15FY14FY13
+3.6%
9M FY18FY16 FY17
1,3701,3201,2871,200
1,000800
9M FY18
+13.3%
FY14 FY15FY13 FY17FY16
*Map for illustration purpose only
15
… and our Experienced Employees
Total Employees: 7,364*
10%
3%
30%
33%
24%
< 1 Year 1-2 Years 2-5 Years
5-10 Years > 10 Years
Employee Addition
279
19183
Jun-17Mar-17Dec-16 Sep-17
6,983
7,364
6
ClosingDec-17
*Full-time officers and clerks.
16
Performance Matrix
17
Strong Deposit Franchise
Core & Non-Core Deposits
CASA Deposits
5%
Core Deposit Non-Core Deposit Total Deposit
Dec-17 Dec-17
Dec-16 Dec-1653,823
56,640
63,595
68,109
7%
Current Deposit Savings Deposit Total CASA
Dec-17 Dec-17 Dec-17
Dec-16 Dec-16 Dec-16
2,946 13,540
13,799
16,486
16,929
6% 2% 3%
3,129
Rs Crs
Rs Crs
17%
Dec-17
Dec-169,772
11,469
18
Core Deposits Growing...
Breakup of Deposits
9,693 11,874 10,043 11,039 11,435
13,54012,994 13,522 13,526 13,799
37,41538,498 39,162 39,618 39,746
3,1293,064
Sep-17 Dec-17Jun-17
68,10967,142
2,959
65,791
Mar-17
2,753
66,117
Dec-16
63,595
2,946
Savings CurrentTerm Others*
CASA Deposit
16,929
13,799
3,129
+3%
16,486
Dec-16 Dec-17
13,540
2,946
Term Deposits
39,74637,415
+6%
Dec-16 Dec-17
Rs Crs Rs Crs
Current Savings
Rs Crs
*Others includes: Bulk, Certificates of Deposits
19
NRI Deposits Growing…
25.9
23.8 25.2 24.6 24.9
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
CASA NRI Deposits
18,37517,850
17,38916,82116,317
Dec-16 Sep-17Jun-17 Dec-17Mar-17
In (%)Rs Crs
20
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 Total)
4,657 4,862 5,117 5,213 5,413
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
21
Composition of Loan Book
33,85131,84529,72829,183
27,252
Sep-17Jun-17Mar-17Dec-16 Dec-17
Corporate Advances (Above Rs 25 Crs)
Rs Crs
18,59817,87217,53617,90117,982
Mar-17 Jun-17 Sep-17Dec-16 Dec-17
Retail Advances
Rs Crs
Segment wise Break Up of Total Loan BookRs Crs
18,598 ,35.46%
11,699 , 22.31%
1,328 , 2.53%
13,255 , 25.27%
7,569 , 14.43%
Corporate
Retail Ex Gold
Gold
SME
Agriculture
22
Composition of Corporate Loan Book
74% of Corporate Loan Book is Investment Grade
Rs Crs
Segment wise Break Up of Corporate Loan Book > Rs.25 crore
Rs Crs Sept - 17 Dec - 17
Financial Intermediarias 4,062 4,208
Infrastructure 3,096 2,788
Cements & Products 1,057 951
Professional Services 960 710
Basic Metal & Metal Products 911 1,133
Textiles 681 686
Trade 498 434
Chemicals and Chemical Products 502 412
Food Processing and Agri Allied Activities
488 450
Construction 392 351
All Engineering 338 303
All other Manufacturing Industries 3,690 4,308
All Other Service Sectors 1,197 1,864
Total Corporate Portfolio 17,872 18,598
15.1%
35.0%
15.6%
Dec-17
18.6%
19.2%
0.2%
Sep-17Jun-17
18.3%
14.6%
0.5%
19.0%
15.1%
Mar-17
100.0%
18.9%
Dec-16
15.9%
100.0%
13.7%
33.0%
9.4%
32.8%
16.3%
28.1%
0.8%
38.3%
0.2%100.0%
21.2%
24.7%
0.1%
0.0%
100.0%
2.1% 2.7%
14.7%
3.0%10.3%
19.0%
100%
0.6%
11.2%12.0%
AAA BB
BBB
A
AA <BB
Unrated
23
Key Focus : Retail, SME & Agriculture
Retail excluding Gold Gold ( Average LTV – 65%)
SMEAgriculture
11,69910,91410,64110,245
9,119
Dec-17Jun-17 Sep-17Mar-17Dec-16
1,328
Dec-16 Dec-17Sep-17Jun-17
1,290 1,3201,321 1,361
Mar-17
13,25512,42510,85110,98410,590
Dec-17Sep-17Dec-16 Mar-17 Jun-17
7,5697,1856,8766,6336,253
Dec-16 Sep-17Mar-17 Dec-17Jun-17
~16% of the Agriculture & SME
Loans are backed byAdditional Security
by way of GOLD
Retail Loans (Excl. Gold), Agriculture &
SME has grown by 25%
Rs Crs
Rs Crs
Rs Crs
Rs Crs
24
Advances growing Across Regions
17,548 18,221 18,689 19,762
14,054 14,693 15,03415,440
13,63214,170 13,541
14,515
21,576
15,975
14,898
Mar-17
45,23447,084
Dec-16
52,449
Dec-17Sep-17
49,717
Jun-17
47,264
South Ex- KeralaRest of India Kerala
Rs Crs
25
Net Interest Income - Quarter
Net Interest Income
509503461439418
Sep-17Mar-17 Jun-17 Dec-17Dec-16
Cost of Deposits & Yield on Advances
Net Interest Margin
2.882.952.802.742.66
Dec-17Jun-17Dec-16 Mar-17 Sep-17
Cost of Funds & Yield on Funds
Rs Crs
In %
In %
5.97 5.72 5.62 5.42 5.40
8.32 8.16 8.14 8.067.97
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Cost of Funds Yield on FundsIn %
6.53 6.33 6.24 6.05 6.01
10.32 9.97 10.06 10.03
9.88
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Cost Of Deposit Yeild on Advances
26
Net Interest Income - Cumulative
Net Interest Income
1,473
964
461
1,675
1,236
Sep-17Mar-17 Jun-17 Dec-17Dec-16
6.75 6.64 6.24 6.14 6.10
10.59 10.43 10.06 10.059.99
Dec -16 Mar -17 Jun -17 Sept -17 Dec -17
Cost of Deposits Yield on Advances
Cost of Deposits & Yield on Advances
Net Interest Margin
2.872.872.802.722.72
Jun-17Dec-16 Mar-17 Sep-17 Dec-17
Cost of Funds & Yield on Funds
Rs Crs
In %
In %
6.20 6.06 5.62 5.52 5.46
8.63 8.50 8.14 8.108.04
Dec-16 Mar -17 Jun -17 Sept -17 Dec-17
Cost of Funds Yield on FundsIn %
27
Improving Operating Efficiency
48.53 49.20
44.1942.63
45.12
Dec -16 Mar -17 Jun -17 Sept -17 Dec -17
C/I Ratio
Business per Employee Business per Branch
14.514.114.313.813.5
Sep-17Jun-17Mar-17Dec-16 Dec-17
132130129120119
Jun-17Mar-17Dec-16 Sep-17 Dec-17
Employee Additions
5 -6
279
191
-83Dec -16 Mar -17 Jun -17 Sept -17 Dec -17
In %
Rs Crs Rs Crs
28
Sustainable Other Income
…Sustainable : Transaction Fees + Technology
22 27 30 29
4559 54 64
31
6767
Mar-17
86 84
Jun-17
94
Dec-17Sep-17Dec-16
98
Total Other Income led by ….
TechnologyTransaction Fees
Investment Book as on Dec-17
Rs Crs Rs Crs
12789 68
57
39110
4318
2511
9
Mar-17
8
Dec-17Jun-17 Sep-17
9
8
Dec-16
7
Other Profit on Sale of InvestmentsForex
Profit on Sale of Investments, Forex & Others
Rs Crs
159
280
219
138
259
Dec-17Jun-17 Sep-17Mar-17Dec-16
Details Rs. Crs M Duration
HTM 14,279 5.64
AFS 4,660 3.11
HFT 6 0.00
Total 18,945 5.20
29
Break Up of Provisions
Rs Crs Q3-FY 18 Q3-FY 17 Q2-FY 18
For NPA & NPI 229.8 167.0 120.5
For Depreciation on Investments 4.5 12.8 277.1*
For Standard Assets 6.5 1.9 13.9
For Restructured Advances/Sacrifices & FITL -0.3 -16.9 -0.2
For Unhedged Forex Exposure 0.5 -0.9 1.3
Others -86.7 42.7 41.1
Taxes 60.9 59.0 2.3
Total Provisions 215.2 265.6 455.9
Depreciation on Investments* moved up to Rs. 277 crore on account of the additional provision of Rs. 252 crore against the NPAs sold by the bank to an ARC during the previous year
30
Non Performing Assets
Net NPA
2.52%
1.45%
2.54% 2.57% 2.35%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Gross NPA
3.98%
2.45%
3.61% 3.57% 3.40%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Net NPA MovementGross NPA Movement
Rs Crs Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Opening 1,745 1,787 1,149 1,696 1,766
Additions 197 1,150 686 252 258
Deductions 155 1,788 140 182 249
Closing 1,787 1,149 1,696 1,766 1,775
Rs Crs Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Opening 1,206 1,116 675 1,183 1,256
Additions 125 991 580 209 89
Deductions 216 1,432 72 136 134
Closing 1,116 675 1,183 1,256 1,211
31
Stressed Assets - QoQ
Gross Basis Net Basis
Rs Crs Q2-FY 18 Q3-FY 18 Q2-FY 18 Q3-FY 18
NPA 1,766 1,755 1,256 1,211
Restructured Standard Advance 252 248 252 248
Other Stressed Advances 0 0 0 0
Total Stressed Assets 2,018 2,023 1,508 1,459
Advances 49,446 52,184 48,931 51,615
Stressed Assets as % of Advances 4.08% 3.88% 3.08% 2.83%
We have ‘ZERO’ accounts in our Watchlist of Large Corporate Book
32
Restructured Advances Breakup
Restructured Assets Break-up
642
309240 252 248
653
262261 261 261
Jun-17Dec-16
1,295
Mar-17
501571
509
Sep-17
513
Dec-17
Restructured Standard Advance
Restructured NPA
Sector Standard Restructure – Q3FY18
77%
9%
14%
Infra Roads Construction EPC Others
Rs Crs
33
Restructured Standard Advance
Restructured Standard Asset BookRs Crs
193 - -
22 - -
37 1 -
Infra Roads
OpeningIncrease in
Existing Balance
Uday – SDLInvestments
Construction EPC
Others
-
-
-
Slippages to NPA
252 1 -Total -
190
22
36
Closing Balance
248
-
-
-
Fresh Addition
-
3
-
2
Decrease in Balance
5
34
Movement in Restructured Accounts
Movement in Restructured Accounts
5
1
509
Closure Including Write Off
Dec in Balance
Increase in Balance
Fresh Addition
513
Upgradation in Standard
Category
ClosingOpening
0 0
0
Shift of focus from Large Corporate
toSMEs
Defocusing from Power & Infra Sectors
Special Recovery Cell &
Asset Monitoring Cell
Rs Crs
35
Adequate Provisioning
NPA Provisioning
229.3
540.3
487.0
176.0
ClosingDeductionsAdditionsOpening
Provision Coverage
Ratio – 49.35%
Rs Crs
36
Fresh Slippages/Advance Ratios
SME Slippage
Retail Slippage
Corporate Slippage
0.11%
0.86%
0.61%
0.34% 0.38%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
Agriculture Slippage
0.49%
0.90%
0.27%0.44%
0.18%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
0.39%
0.64%
0.85%0.78%
0.18%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
0.65%
2.37%
3.51%
0.53%0.00%
Dec-16 Mar-17 Jun-17 Sept-17 Dec-17
37
Well Capitalized to support Growth
BASEL III
In %
9.4
10.9 10.8 10.4
1.7
1.5 1.41.4
10.1
2.4
12.4
Jun-17Mar-17 Sep-17
11.712.1
Dec-16 Dec-17
11.1
12.5
Tier 2 Tier 1
• Bank has issued Non-Convertible, Redeemable, Unsecured, Basel III Compliant Tier 2 Bonds for inclusion of Tier 2 capital aggregating Rs. 490 crore
• 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
38
Balance Sheet Overview- Q3 FY18
Rs Crs Q3-FY 18 Q3-FY 17 Y-o-Y (%) Q2-FY 18 Q-o-Q (%)
Capital & Liabilities 79,314 71,446 11.01% 75,837 4.59%
Capital 181 135 33.59% 180 0.08%
Reserves and Surplus 4,940 4,141 19.28% 4,797 2.98%
Deposits 68,109 63,595 7.10% 67,142 1.44%
Borrowings 4,678 2,205 112.13% 2,116 121.12%
Other Liabilities & Provisions 1,406 1,369 2.70% 1,602 -12.19%
Assets 79,314 71,446 11.01% 75,837 4.59%
Cash & Balances with RBI 3,069 3,576 -14.18% 3,056 0.43%
Balances with Banks 584 1,420 -58.89% 532 9.75%
Investments 18,584 17,576 5.74% 18,208 2.07%
Advances 51,638 44,256 16.68% 48,954 5.48%
Fixed Assets 655 595 10.12% 651 0.56%
Other Assets 4,784 4,023 18.90% 4,435 7.85%
Business (Advances + Deposits) 1,19,747 1,07,850 11.03% 1,16,096 3.14%
Current Accounts 3,129 2,946 6.22% 2,959 5.77%
Savings Accounts 13,799 13,540 1.92% 13,526 2.02%
CASA Ratio 24.86% 25.92% -4.12% 24.55% 1.23%
39
Profit & Loss Overview- Q3 FY18
Rs Crs Q3-FY18 Q3-FY 17 Y-o-Y (%) Q2-FY18 Q-o-Q (%)
Net Interest Income 509 418 22.00% 503 1.23%
Other Income 159 259 -38.57% 280 -43.37%
Total Income 668 676 -1.16% 784 -14.74%
Operating Expenses 338 299 13.04% 323 4.52%
Operating Profit 330 377 -12.42% 460 -28.27%
Provisions (Ex-Tax) & Contingencies
154 207 -25.33% 454 -65.99%
Profit Before Tax 176 170 3.25% 7 2568.33%
Provision for Tax 61 59 3.24% 2 2581.50%
Profit After Tax 115 111 3.25% 4 2561.41%
40
Key Metrics- Quarterly
Particulars FY15 FY16 FY17 FY18
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3Net Interest Margin (NIM)
2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.7% 2.8% 2.7% 2.7% 2.8% 2.9% 2.9%
CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 12.4% 12.1% 11.7% 12.5%
RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 0.4% 0.6% 0.02% 0.6%
Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 55.1% 44.6% 44.1% 49.4%
CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 23.8% 25.2% 24.6% 24.9%
Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 4.0% 4.0% 4.0% 2.5% 3.6% 3.6% 3.4%
Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 1.5% 2.5% 2.6% 2.4%
Book Value per Share (Rs.)
25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9 27.7 27.6 28.4
EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6 2.3 0.1 2.5
Branches
- Kerala 439 440 441 444 447 447 447 449 453 454 455 463 463 463 463
- South India (Ex-Kerala)
230 232 233 239 242 244 244 245 245 245 245 246 246 246 246
- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142 142 142
Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851 851 851
ATMs
- Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745 756 769
- South India (Ex-Kerala)
297 313 325 365 378 380 384 387 388 391 393 394 396 393 396
- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203 205 205
Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320 1,344 1,354 1,370
41
Next Generation Bank
42
Present across Customer Touch Points
SIB Mirror + Mobile Banking
Point of SaleInternet Banking
ATMs
1,370 ATMs across India
Branches
851 Branches & 53 Extension Counters
Traditional & Alternate Channels
43
Technology Initiatives
SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more
SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers
Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers
SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions
Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools
44
Personal Banking: Technology Banking
Active Internet Users
175 192 205 223 260
Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
Mobile Transaction Volume
Internet Transaction Volume Internet Transaction Value
Mobile Transaction Value
885865839899
785
Jun-17 Sep-17Dec-16 Mar-17 Dec-17
5,5944,9064,7004,489
3,293
Sep-17Jun-17Mar-17Dec-16 Dec-17
1,961
1,4821,3281,412
1,175
Jun-17Mar-17Dec-16 Sep-17 Dec-17
1,548
1,258
1,0261,008
599
Sep-17Dec-16 Jun-17Mar-17 Dec-17
(000)’s (000)’s
(000)’s
Rs Crs
Rs Crs
45
Personal Banking: Debit Cards
3.3
3.2 3.3
3.5
3.6
Dec-16 Mar-17 Jun-17 Sep-17 Dec-17
No of Active Debit Cards Debit Card Transaction Volumes
Debit Card Transaction Value
36.733.833.633.7
27.1
Dec-17Sep-17Jun-17Dec-16 Mar-17
In Millions In Millions
Rs Crs 6,9496,6856,655
5,480
4,028
Dec-17Sep-17Mar-17 Jun-17Dec-16
46
An Inflection Point
47
Moving Towards Vision 2020…
▪ Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors
Appointed International
Finance Corporation
▪ Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank
Entered Memorandum
of Understanding with NSIC
▪ Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept
Opened Centralized
Marketing & Processing
Centre
....to become Retail Banking Power House
48
About Us
49
Milestones
FIRST among the private sector banks in Kerala to
become a scheduled bank in 1946 under the RBI Act
FIRST bank in the private sector in India to open a
Currency Chest on behalf of the RBI in April 1992
FIRST private sector bank to open a NRI branch in
November 1992
FIRST bank in the private sector to start Industrial Finance
Branch in March 1993
FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater
exclusively to the export and import business in June 1993
FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to
the in-house partial automation solution operational since 1992
The FIRST Kerala based bank to implement Core Banking System
50
Expansion since FY07
Branch Network
141
122
246
277
463
66
850
~2X
FY17FY07
465
Kerala Others (Rest of India)South Ex-Kerala
ATM Network
724
202
394
84
1,320
FY07
174
51
FY17
~8X
39
51
Performance since FY07
1,675
368
CAGR : 16%
FY17FY07
Net Interest Income
20,158
FY17
112,507
CAGR : 19%
FY07
Business (Advances + Deposits)
393
104
FY07
CAGR : 14%
FY17
Profit After Tax
2.45
3.94
FY17
149bps
FY07
Gross NPA
Rs Crs Rs Crs
Rs Crs In %
52
Leadership Team
Mr. V. G Mathew , MD & CEO
▪ Post Graduate in Physics and CAIIB with over 37 years of experience
▪ Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014
▪ Significant experience in Retail & Corporate Credit, Technology and Risk Management
▪ Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB
▪ The major assignments handled by Mr. Mathew in SBI are
▪ Dy. General Manager (IT Networking Project)
▪ Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)
▪ General Manager, (Corporate Accounts Group-Mumbai Branch)
▪ Chief General Manager (Risk Management)
▪ Chief General Manager (Corporate Accounts Group)
▪ He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,
Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie
Infrastructure Trustee (P) Limited
53
Leadership Team
Mr. Thomas Joseph K, EVP (Operations)
• Bachelors Degree in Engineering and Diploma in Management & CAIIB
• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance
• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors
Mr. G Sivakumar, EVP (Credit)
• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB
• He heads Credit and Legal Departments
• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad
• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was
responsible for Private Equity and Venture Capital Investments made by the Bank
• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than
ten Alternative Investment Funds
Mr. K N Reghunathan, EVP (Treasury)
• Commerce Graduate & CAIIB
• He is responsible for Treasury Operations of the Bank along with International Banking Division
• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International
Banking Division.
• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee
of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India
Advantage Fund I & II
54
Management Team
Mr. John Thomas, Senior General Manager (Business Development Department)
• Bachelors Degree in Science, MBA and CAIIB
Mr. Raphael T.J., Senior General Manager (Chief Information Officer)
• Bachelors Degree in Commerce, Masters in EXIM,
Diploma in Financial Management and CAIIB
• Bachelors Degree in Arts & Masters Degree in Business
Administration and CAIIB
Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance)
• Bachelors Degree in Arts & Post Graduate Diploma in
Computer Application, Certification in RDBMS & Oracle
8i and JAIIB
Mr. Benoy Varghese, Senior General Manager(Country Head – Wholesale Banking)
Mr. Paul V.L., Senior General Manager (Administration)
• Masters Degree in Arts and Post Graduate Diploma in
Personnel Management & JAIIB
Mr. Sanchay Sinha(Country Head – Retail Banking)
• Bachelor’s degree in Arts, Post Graduate Certificate in
Business Management (XLRI)
55
Management Team
Mr. C.P. Gireesh, Chief Financial Officer
• Bachelors Degree in Mathematics
• Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of
Banking & Finance
Mr. Jacob EA, Chief Compliance Officer
• Bachelors Degree in Science & CAIIB - I
Mr. Jimmy Mathew, Company Secretary
• Bachelors Degree in Commerce, Associate Member of
Institute of Company Secretary of India and Institute of
Cost & Management Accountants of India. Also a
Certified Associate of the Indian Institute of Banking &
Finance
56
Awards & Recognition
Awarded with ISO 27001:2013 Certification
The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions
57
Awards & Recognition
Won National Payments Excellence Awards -2016
Won Finnoviti Award - 2017
Won “IBA Banking Technology Awards”
58
Awards & Recognition
Won Two IDRBT Best Bank Awards
Bagged “Dun & Bradstreet, India’s Top Banks & Banking Awards 2017”
59
Company Investor Relations Advisors
The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFO/Mr. Vijith S, Dy. General Manager cpgireesh@sib.co.invijiths@sib.co.in
www.southindianbank.com
Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain/ Ms. Sanghamitra Karakshogun.jain@sgapl.net / sanghamitra.karak@sgapl.net+91 77383 77756 / +91 9833692935www.sgapl.net
For further information, please contact:
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