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Investor PresentationMay - 2019
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
Q4 FY19 Highlights
Performance Matrix
Next Generation Bank
Business Strategy
4
Q4 FY19 Highlights
5
Key Quarterly Highlights- Q4 FY19
15.5%12%
Deposits
80,420
72,030
Q4 FY19
Q4 FY18
Advances
63,636
55,109
Q4 FY19
Q4 FY18
CASA
19,467
17,142
Q4 FY19
Q4 FY18
14%
Rs Cr
PPOP
328
311
Q4 FY19
Q4 FY18
5%
Net Interest Income
Q4 FY19
Q4 FY18
499
492
1%
Q4 FY19
Q4 FY18
Other Income
236
179
32%
6
Business Strategy
7
Our Strategy…• Retail Banking Department to focus on retail loan & liability/investment
products
• Efficient branches & processing centers for faster processing of loans
• Outbound Sales team
• 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
• Alternate channels for mobilising CASA
• Centralized processes allowing branches to focus on garnering low cost funds
• Continuous improvement/review of products
Improve CASA
• Granulize loan portfolio to spread out risk
• Cautious approach on large corporate lending
• Special 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 and all digital channels
• Leveraging technology to introduce modern & new-age banking products
• Focus on 3rd Party/Investment products to generate more other income
Improve share of other
Income
8
…Performance in Line with Strategy
INCREASE33.9% YoY
Strengthen Retail base
Rs. 18,458 Cr
Expand Agriculture & SME Base
Rs. 23,742 Cr
Improve CASA
Rs. 19,467 Cr
INCREASE13.7% YoY
INCREASE13.6% YoY
9
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
10
...Increase Retail & SME Business
• Entire Loan underwriting centralised
• 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
• 17 Clusters• Specific Cluster
for Forex
11
…by focus on Housing Loans in Retail
3,571 3,793 4,049 4,318 4,633
1,357 1,440 1,4941,840
2,2162,4462,809 2,993
2,9032,993
3,8264,394
4,6604,816
4,6601,045
1,0961,159
1,2001,289
1,543
1,6681,706
1,780
2,667
Dec-18Sep-18Jun-18Mar-18
18,458
Mar-19
13,787
15,20016,061
16,857
+34%
Retail Breakup
Others Service & Traders Gold
ManufacturingLAD* Housing
Housing: Key Initiatives
• Retail hub in Kochi to increase focus on housing finance
• Dedicated Officers for marketing Retail Loans
• Marketing initiative through TVCs
• Tailor made products for different segments
January to March 2019
• Mortgage Loans Sanctioned : 3,428 Nos.
• Amount of Mortgage Loans Sanctioned: Rs. 1,346 Cr
Rs Cr
*LAD = Loan against deposits
12
…becoming a Banker of Choice to SMEs
SME Loan Book by Geography – Q4 FY19
• Dedicated executive 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• Ongoing training (in-house as well as external)• Entire SME loan processing centralized at Kochi at two centers- Special focus on applications up to Rs. 2.00 Cr
and standardized, uniform risk based approach on Rs. 2.00 Cr to Rs. 25.00 Cr.• Underwriting of loans through customized software called LOS (Loan Origination System ) to ensure speedy,
paperless processing with capabilities to integrate with external sources like Finacle, CIBIL, Rating Agencies etcfor seamless flow of data.
• Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing
SME Highlights
Average SME Loan / Account
26.5029.30 30.30 31.33
37.98
Dec-18Mar-18 Jun-18 Mar-19Sep-18
Rs. Lakh
Kerala44%
South (Ex-Kerala)
32%
Rest of India24%
13
…with the help of our Branch Network
Branch Location*No of
Branches
Kerala 474
South India (Ex-Kerala) 253
Rest of India 143
Total 870
Total Branch Network
Total ATM Network
794 822 834 850 854 870
FY19FY18FY17FY14 FY15 FY16
+1.8%
1,0001,200 1,287 1,320 1,382 1,406
FY17FY16 FY19FY14 FY18FY15
+7.1%
*Map for illustration purpose only
14
… and our Experienced Employees
Total Employees: 7,822*
12%
7%
17%
38%
26%
< 1 Year 1-2 Years 2-5 Years
5-10 Years > 10 Years
Employee Addition
7,287
7,822
33299
137 33
Mar-18 Dec-18Sep-18Jun-18 Mar-19 Closing
*Full-time officers and clerks.
15
Performance Matrix
16
Strong Deposit Franchise
Core & Non-Core Deposits
CASA Deposits
11.7%
Core Deposit Non-Core Deposit Total Deposit
Mar-19 Mar-19
Mar-18 Mar-1857,712
64,478
72,030
80,420
11.7%
Current Deposit Savings Deposit Total CASA
Dec-18 Mar-19 Mar-19
Mar-18 Mar-18 Mar-18
3,058 14,084
16,135
17,142
19,467
14.6% 13.6%
3,332
Rs Cr
Rs Cr
11.4%
Mar-19
Mar-1814,317
15,942
9.0%
17
Core Deposits Growing...
Breakup of Deposits
14,480 13,044 14,025 15,334 15,942
3,485
14,084 14,937 15,35715,420 16,135
40,408 41,56142,498
43,42645,011
Dec-18Sep-18
2,9463,058
Mar-18 Jun-18
3,031
Mar-19
72,48872,03074,911
77,66580,420
3,332
+12%
Others*Term Savings Current
CASA Deposit
14,084 16,135
3,0583,332
Mar-18
17,142
Mar-19
19,467
+14%
Term Deposits
40,40845,011
Mar-18 Mar-19
+11%
Rs Cr Rs Cr
Current Savings
Rs Cr
*Others includes: Bulk, Certificates of Deposits
18
NRI Deposits Growing…
23.8 24.7 24.6 24.3 24.2
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
CASA NRI Deposits
18,85519,631
20,42520,981 21,436
Mar-18 Jun-18 Sep-18 Mar-19Dec-18
+14%
In (%)Rs Cr
19
Break Up of Non Resident Deposits
Deposit Type (Rs Cr) Q4-FY 18 Q1-FY 19 Q2-FY 19 Q3-FY 19 Q4-FY 19
NRE SB 3,335 3,628 3,741 3,768 3,660
NRO SB 618 623 657 712 737
FCNR (B), RFC & Others 1,634 1,638 1,652 1,697 1,859
Low Cost NRI Deposit (Sub Total)
5,587 5,889 6,050 6,177 6,257
NRE Term Deposit 12,704 13,180 13,789 14,199 14,533
NRO Term Deposit 564 562 586 605 647
Total NRI Deposit 18,855 19,631 20,425 20,981 21,436
20
Composition of Loan Book
34,671 36,188 37,264 38,95342,200
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
+22%
Corporate Advances (Above Rs 25 Cr)
Rs Cr
20,438 19,976 20,149 21,111 21,436
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
+5%
Retail Advances
Rs Cr
Segment wise Break Up of Total Loan BookRs Cr
21,436 ,33.69%
16,242 , 25.52%
2,216 , 3.48%
15,069 , 23.68%
8,673 , 13.63%
Corporate
Retail Ex Gold
Gold
SME
Agriculture
21
Composition of Loan Book
Break up of Loan book
Advances (Rs. Cr)
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Number Value Number Value Number Value Number Value Number Value
Less than 5 Cr 7,15,160 21,816 7,15,520 22,529 7,17,750 23,331 723,279 25,576 738,786 27,802
5 - 25 Cr 3,753 10,147 3,798 10,564 3,898 10,892 4,071 11,321 4,244 12,667
25 – 100 Cr 1,038 10,539 987 10,455 982 10,449 992 10,790 875 11,040
More than 100 Cr 387 12,607 381 12,616 389 12,741 381 12,377 314 12,127
Total Advances 7,20,338 55,109 7,20,686 56,164 7,23,019 57,413 728,723 60,064 744,219 63,636
22
Rating Profile of Corporate Loan Book
Standard Advances above Rs. 100 Cr
Rs Cr
Sep-18Jun-18
16.9%
24.7%
30.1%
3.7%
21.7%
32.1%
Mar-19
24.6%
26.2%22.7%
Mar-18
19.3%
21.1%
5.0%
25.8%
21.1%
15.2%22.2%
9.3%
25.4%
31.4%
13.8%
3.2%
Dec-18
8.8%
20.9%
37.4%
17.7%
AAA <BBBAA A BBB
Standard Advances above Rs. 25 Cr
22.9%24.6%
0.0%
28.9%
Mar-18
21.8%
27.1%
26.4%
28.2%
26.7%
27.2%
27.5%
0.0%
27.0%
18.3% 17.3%
Jun-18
25.4%
2.0%
20.8%
Sep-18
2.1%
32.1%
24.1%
24.4%
Dec-18
0.6%
26.7%
17.8%
Mar-19
SIB ASIB AAA SIB BBBSIB AA SIB <BBB
Rs CrExternal Rating SIB Internal Rating
23
Key Focus : Retail, SME & Agriculture
Retail excluding Gold Retail Gold ( Average LTV – 65%)
SME (Incl. SME Gold)Agriculture (Incl. Agri Gold)
12,43013,760 14,567 15,017
16,242
Mar-19Mar-18 Jun-18 Sep-18 Dec-18
+31%
1,357 1,440 1,4941,840
2,216
Jun-18Mar-18 Sep-18 Dec-18 Mar-19
+63%
12,965 13,137 13,316 14,02715,069
Jun-18Mar-18 Mar-19Sep-18 Dec-18
+16%
7,919 7,851 7,887 8,0688,673
Jun-18Mar-18 Mar-19Sep-18 Dec-18
+10%
~16.81% of the Agriculture & SME
Loans are backed byAdditional Security
by way of GOLD
Retail Loans (Excl. Gold), Agriculture &
SME has grown by 20% (Y-o-Y)
Rs Cr
Rs Cr
Rs Cr
Rs Cr
24
Advances growing Across Regions
22,502 22,747 23,368 24,208 25,737
16,624 16,771 16,99617,924
19,325
15,983 16,646 17,04917,932
18,574
60,064
Dec-18Mar-18 Jun-18 Sep-18 Mar-19
55,109 56,164 57,413
63,636
+15%
KeralaRest of India South Ex- Kerala
Rs Cr
25
Net Interest Income - Quarter
Net Interest Income
492 494 506 520 499
Dec-18Mar-18 Jun-18 Sep-18 Mar-19
Cost of Deposits & Yield on Advances
Net Interest Margin
2.73 2.60 2.61 2.662.46
Dec-18Mar-18 Jun-18 Sep-18 Mar-19
Cost of Funds & Yield on Funds
Rs Cr
In %
In %
5.40 5.58 5.57 5.59 5.72
7.83 7.95 7.94 7.977.93
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Cost of Funds Yield on FundsIn %
6.04 6.06 6.08 6.16 6.30
9.61 9.50 9.50 9.64 9.51
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Cost Of Deposit Yield on Advances
26
Net Interest Income - Cumulative
Net Interest Income
461
964
1,473
1,966
494
1,001
1,520
2,020
Jun-18Jun-17 Sep-17 Dec-17 Dec-18Mar-18 Sep-18 Mar-19
6.08 6.06 6.07 6.10 6.15
9.899.50 9.50 9.55 9.54
Mar -18 Jun -18 Sept -18 Dec -18 Mar -19
Cost of Deposits Yield on Advances
Cost of Deposits & Yield on Advances
Net Interest Margin
2.842.60 2.60 2.62 2.58
Sep-18Mar-18 Jun-18 Dec-18 Mar-19
Cost of Funds & Yield on Funds
Rs Cr
In %
In %
5.44 5.58 5.56 5.57 5.60
7.97 7.95 7.93 7.947.94
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Cost of Funds Yield on FundsIn %
27
Improving Operating Efficiency
47.17
57.8855.58 54.68 54.88
Mar -18 Jun -18 Sept -18 Dec -18 Mar -19
C/I Ratio
Business per Employee Business per Branch
14.9 15.7 15.7 15.5 15.9
Mar-19Jun-18Mar-18 Sep-18 Dec-18
134147 148 149 150
Mar-18 Sep-18Jun-18 Mar-19Dec-18
Employee Additions
-77
332
99
137
-33
Mar -18 Jun -18 Sept -18 Dec -18 Mar -19
In %
Rs Cr Rs Cr
28
Sustainable Other Income
…Sustainable : Transaction Fees + Technology
31 32 35 37 33
69 59 6071 86
95
Mar-19Mar-18
91
Jun-18
100
Dec-18Sep-18
108120
Total Other Income led by ….
Transaction Fees Technology
Investment Book as on Mar-19
Rs Cr Rs Cr
13 16 1327
6555
30 3943
37
14
Dec-18Sep-18
1111
Mar-18
9
Jun-18
10
Mar-19
OtherForex Profit on Sale of Investments
Profit on Sale of Investments, Forex & Others
Rs Cr
179146 158
187
236
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
Details Rs. Cr M Duration
HTM 15,452 5.42
AFS 3,873 2.04
HFT 199 0.15
Total 19,525 4.94
29
Break Up of Provisions
Particulars (Rs Cr) Q4-FY 19 Q4-FY 18 Q3-FY 19
For NPA & NPI 191.0 151.7 189.4
For Depreciation on Investments 39.7 8.5 -7.3
For Standard Assets 14.4 -6.2 10.1
For Restructured Advances/Sacrifices & FITL 3.0 -10.1 0.0
For Unhedged Forex Exposure 0.5 -0.1 -0.1
Others -29.5 4.8 11.1
Taxes 37.9 48.2 45.0
Total Provisions 257.0 196.8 248.1
30
Non Performing Assets
Net NPA
2.60%
3.27% 3.16%
3.54%
3.45%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Gross NPA
3.59%
4.54% 4.61% 4.88% 4.92%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Net NPA MovementGross NPA Movement
Rs Cr Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Opening 1,775 1,980 2,552 2,646 2,930
Additions 614 609 213 659 368
Deductions 408 37 119 375 166
Closing 1,980 2,552 2,646 2,930 3,132
Rs Cr Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Opening 1,211 1,416 1,814 1,785 2,100
Additions 510 505 165 555 305
Deductions 305 107 194 240 241
Closing 1,416 1,814 1,785 2,100 2,164
31
Stressed Assets - QoQ
Gross Basis Net Basis
Rs Cr Q3-FY 19 Q4-FY 19 Q3-FY 19 Q4-FY 19
NPA 2,930 3,132 2,100 2,164
Restructured Standard Advance 200 214 200 214
Other Stressed Advances 0 0 0 0
Total Stressed Assets 3,130 3,346 2,300 2,378
Advances 60,064 63,636 59,256 62,664
Stressed Assets as % of Advances 5.21% 5.26% 3.88% 3.79%
32
Restructured Advances Breakup
Restructured Assets
57
2022
200
Mar-19Mar-18 Jun-18 Sep-18 Dec-18
214
Restructured Standard Advance
Sector Standard Restructure – Q4FY19
9.8%
90.2%
Construction EPC
Others (on Account of Kerala Floods and MSMERestructuring)
Security Receipts Outstanding as on 31.3.2019
Book Value Provision NAV
1,285.22 279.04 1,006.18
Rs Cr
Rs Cr
33
Restructured Standard Advance
Restructured Standard Asset BookRs Cr
- -
21 -
179 -
Infra Roads
OpeningUpgradation from NPA to
Std. Rest.
Construction EPC
Others
-
-
-
Slippages to NPA
200 -Total -
-
21
193
Closing Balance
214
-
-
32
Fresh Addition
32
-
-
18
Decrease in Balance
18
34
Movement in Restructured Assets
Movement in Restructured Accounts (Including Restructured NPA)
447 438
32 41
Opening Fresh Addition
0
Increase in Balance
0
Upgradation in Standard
Category
Closure Including Write Off
0
Dec in Balance
Closing
Shift of focus from Large Corporate
toSMEs
Defocusing from Stressed Sectors
Special Cell & Asset Monitoring Cell
Rs Cr
35
Credit Provisioning
NPA Provisioning
805
938
209 76
ClosingOpening Additions Deductions
Provision Coverage
Ratio : 42.46%
Rs Cr
36
Fresh Slippages/Advance Ratios
SME Slippage
Retail Slippage
Corporate Slippage
0.18%
0.40% 0.42%
0.20% 0.20%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
Agriculture Slippage
2.36%
1.54%
0.09%
2.38%
0.53%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
0.30%
1.72%
0.76%0.80% 0.75%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
0.71%
0.14%
0.22%
0.04%
1.15%
Mar-18 Jun-18 Sept-18 Dec-18 Mar-19
37
Capital Composition
BASEL III In %
10.4 10.1 10.0 9.7 10.0
2.32.1 2.1
2.12.6
Sep-18Mar-18 Jun-18
12.112.7
Dec-18 Mar-19
12.211.8
12.6
Tier 2 Tier 1
38
Profit & Loss Overview- Q4 FY19
Rs Cr Q4-FY19 Q4-FY 18 Y-o-Y (%) Q3-FY19 Q-o-Q (%)
Net Interest Income 499 492 2% 520 -4%
Other Income 236 179 32% 187 26%
Total Income 735 671 10% 706 4%
Operating Expenses 407 360 13% 374 9%
Operating Profit 328 311 5% 332 -1%
Provisions (Ex-Tax) & Contingencies
219 149 47% 203 8%
Reported Profit Before Tax 108 162 -33% 129 -16%
Provision for Tax 38 48 -21% 45 -16%
Profit After Tax 71 114 -38% 84 -16%
39
Balance Sheet Overview- Q4 FY19
Rs Cr Q4-FY 19 Q4-FY 18 Y-o-Y (%) Q3-FY 19 Q-o-Q (%)
Capital & Liabilities 92,279 82,686 11.6% 88,249 4.6%
Capital 181 181 0.0% 181 0.0%
Reserves and Surplus 5,154 5,060 1.9% 5,153 0.0%
Deposits 80,420 72,030 11.6% 77,665 3.5%
Borrowings 4,903 4,043 21.3% 3,688 32.9%
Other Liabilities & Provisions 1,621 1,372 18.1% 1,562 3.8%
Assets 92,279 82,686 11.6% 88,249 4.6%
Cash & Balances with RBI 3,662 3,258 12.4% 3,526 3.8%
Balances with Banks 1,161 963 20.6% 1,166 -0.5%
Investments 19,081 18,363 3.9% 18,507 3.1%
Advances 62,694 54,563 14.9% 59,256 5.8%
Fixed Assets 709 681 4.1% 693 2.3%
Other Assets 4,973 4,858 2.4% 5,101 -2.5%
Business (Advances + Deposits) 144,056 127,139 13.3% 137,729 4.6%
Current Accounts 3,332 3,058 9.0% 3,485 -4.4%
Savings Accounts 16,135 14,084 14.6% 15,421 4.6%
CASA Ratio 24.21% 23.80% 1.7% 24.34% -0.5%
40
Key Metrics- Quarterly
Particulars FY17 FY18 FY19
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Net Interest Margin (NIM) 2.7% 2.8% 2.7% 2.7% 2.8% 2.9% 2.9% 2.7% 2.6% 2.6% 2.7% 2.46%
CRAR Basel III 11.7% 11.1% 11.1% 12.4% 12.1% 11.7% 12.5% 12.7% 12.2% 12.1% 11.8% 12.6%
RoAA (Annualized) 0.6% 0.7% 0.6% 0.4% 0.6% 0.02% 0.6% 0.6% 0.1% 0.3% 0.4% 0.3%
Provision Coverage 42.6% 46.1% 50.2% 55.1% 44.6% 44.1% 49.4% 41.2% 39.1% 41.9% 41.2% 42.5%
CASA 23.2% 22.8% 25.9% 23.8% 25.2% 24.6% 24.9% 23.8% 24.7% 24.5% 24.3% 24.2%
Gross NPA 4.0% 4.0% 4.0% 2.5% 3.6% 3.6% 3.4% 3.6% 4.5% 4.6% 4.9% 4.92%
Net NPA 2.9% 2.8% 2.5% 1.5% 2.5% 2.6% 2.4% 2.6% 3.3% 3.2% 3.5% 3.45%
Book Value per Share (Rs.) 30.0 30.8 31.6 26.9 27.7 27.6 28.4 29.0 29.1 29.0 29.5 29.5
EPS (Rs.) (Annualized) 2.8 3.0 3.1 2.6 2.3 0.1 2.5 2.56 0.51 1.54 1.84 1.58
Branches
- Kerala 453 454 455 463 463 463 463 464 464 465 465 474
- South India (Ex-Kerala) 245 245 245 246 246 246 246 248 249 249 249 253
- Rest of India 140 140 140 141 142 142 142 142 142 143 143 143
Total Branches 838 839 840 850 851 851 851 854 855 857 857 870
ATMs
- Kerala 701 713 718 724 745 756 769 783 786 792 802 802
- South India (Ex-Kerala) 388 391 393 394 396 393 396 398 399 401 403 401
- Rest of India 202 202 202 202 203 205 205 201 201 202 202 203
Total ATMs 1,291 1,306 1,313 1,320 1,344 1,354 1,370 1,382 1,386 1,395 1,407 1,406
41
Next Generation Bank
42
Present across Customer Touch Points
SIB Mirror + Mobile Banking
Point of SaleInternet Banking
ATMs
1,406 ATMs across India
Branches
870 Branches & 53 Extension Counters
Traditional & Alternate Channels
43
Technology Initiatives
Mirror + is an all in one stop for your mobile banking needs, with additional features as IMPS (24/7) fund transfer, NEFT fund transfers, and full access to account information, and much more
SIBerNet is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers with added security like OTP, FRM Solution.
Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers.Instant account opening facility through Quick Account Opening, TAB Account Opening supported by e-KYC.
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
303 313 332 354 390
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
Mobile Transaction Volume
Internet Transaction Volume Internet Transaction Value
Mobile Transaction Value
954 948 962 9291,027
Dec-18Mar-18 Jun-18 Sep-18 Mar-19
6,075 6,185 6,4516,989
7,961
Mar-18 Mar-19Jun-18 Sep-18 Dec-18
2,2422,682
3,632
5,549
7,437
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
+232%
1,8752,257
2,657
3,401
4,241
Mar-19Jun-18Mar-18 Sep-18 Dec-18
+126%
(000)’s (000)’s
(000)’s
Rs Cr
Rs Cr
45
Personal Banking: Debit Cards
3.8 3.9
4.0
4.3
3.8
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19
No of Active Debit Cards Debit Card Transaction Volumes
Debit Card Transaction Value
37.2 36.8 37.6 38.1 38.3
Mar-18 Jun-18 Dec-18Sep-18 Mar-19
In Millions In Millions
Rs Cr
7,0907,512 7,573 7,761
7,321
Mar-18 Jun-18 Mar-19Dec-18Sep-18
46
About Us
47
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
48
Expansion since FY08
Branch Network
71143
133
253
286
474
490
FY19FY08
870
+78%
South Ex-KeralaKerala Others (Rest of India)
ATM Network
203
401
115
802
50
FY19
58
FY08
223
1,406
+530%
49
Performance since FY08
376
2,020
FY08 FY19
CAGR: +17%
Net Interest Income
25,610
144,056
FY19FY08
CAGR: +17%
Business (Advances + Deposits)
152
248
FY08 FY19
CAGR: +5%
Profit After Tax
1.78
4.92
FY19FY08
314bps
Gross NPA
Rs Cr Rs Cr
Rs Cr In %
50
Leadership Team
Mr. V. G Mathew , MD & CEO
▪ Post Graduate in Physics and CALLB with over 40 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
51
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
52
Management Team
Mr. John Thomas(Country Head – Business Development)
• Bachelors Degree in Science, MBA and CAIIB
Mr. Raphael T.J., Chief General Manager (Chief Information Officer)
• Bachelors Degree in Commerce, Masters in EXIM,
Diploma in Financial Management 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 and MBA in HR Management
• Certification in RDBMS & Oracle 8i and JAIIB
• Bachelors Degree in Arts & Masters Degree in Business
Administration and CAIIB
Mr. Benoy Varghese (Country Head – Wholesale Banking)
Mr. Sanchay Kumar Sinha (Country Head – Retail Banking)
• Bachelor’s degree in Arts, Post Graduate Certificate in
Business Management (XLRI)
Mr. Shelly Joseph, General Manager
• Masters Degree in Commerce & CAIIB
Mr. Chandrasekhar Mukherjee, Chief People Officer
• Bachelors Degree in Commerce
• Post Graduation Diploma in Personnel Management &
Industrial Relation
53
Management Team
Mrs. Chithra H, Chief Financial Officer
• Bachelors Degree in Commerce
• Associate member of the Institute of Chartered
Accountants of India
• Certified Associate of the Indian Institute of Banking &
Finance
Mr. Sibi P M, Chief Compliance Officer
• Bachelor of Technology
• Certified Associate of Indian Institute of Banking &
Finance
• FRM and GARP
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
Mr. Reddy N J, General Manager
• Masters Degree in Commerce & LLB
54
Award Wins during FY19
HUDCO AwardSouth Indian Bank has received the award for Best Performing PLI of HUDCO’ under CLSS
Photo Caption- Mr. Sanchay Kumar Sinha, Country Head (Retail Banking) receiving award for ‘ Best Performing PLI of HUDCO’ under CLSS from Mr. Hardeep S Puri, Union Minister of State (Independent Charge). Also seen are Mr. Rakesh
Kumar Arora, Director (Finance) HUDCO, Mr. Durga Shanker Mishra, Union Housing & Urban Affairs Secretary, Dr. M Ravi Kanth, Chairman and Managing Director HUDCO and Mr. N. L. Manjoka, Director (Corporate Planning) HUDCO.
55
Award Wins during FY19
National Payments Excellence Award South Indian Bank receiving National Payments Excellence Award for RuPay instituted by NPCI
Photo Caption- Shri. Reghunathan K N, EVP (Treasury), South Indian Bank receiving National Payments Excellence Award for RuPay instituted by NPCI from Shri. B. P. Kanungo, Deputy Governor, RBI, in the presence of Biswamohan Mahapatra,
Chairman, NPCI, Mr. V.G. Kannan, Chief Executive, IBA and Dr. A.S. Ramasastri, Director, IDRBT.
56
Award Wins during FY19
MSME Banking Excellence AwardSouth Indian Bank receiving Best MSME Bank-Runner Up award
Photo Caption- Mr. John Thomas, Country Head (Business Development) receiving Best MSME Bank-Runner Up award, on behalf of South Indian Bank from Shri. Giriraj Singh, Minister of State in charge, Micro, Small & Medium Enterprises. Also seen are Mr. Mukesh Mohan Gupta, President, Chamber of Indian Micro Small & Medium Enterprises (CIMSME) and Mr.
SatheeshKumar K S (JGM & Regional Head, Delhi), South Indian Bank.
57
Award Wins during FY19
Banking Technology Awards by IBASouth Indian Bank receiving Banking Technology 2019 awards instituted by IBA
Photo Caption- Mr. Raphael T J, CGM and CIO of the South Indian Bank and Mr. Sony A, JGM receiving the Banking Technology 2019 awards instituted by IBA from Prof. N. Balakrishnan, Director, Super Computer Education & Research
Centre, Indian Institute of Science, Mr. Sunil Mehta, Chairman, Indian Banks’ Association (IBA), Mr. R. Sridharan, MD, CCIL-Clearing Corporation of India in the presence of Mr. V. G. Kannan, Chief Executive, IBA.
58
Award Wins during FY19
KMA Award 2018South Indian Bank receiving CSR Award for Banks & NBFCs under Education Sector instituted by Kerala
Management Association
Photo Caption- Shri. Raphael T.J (Senior General Manager & CIO, South Indian Bank) receiving CSR Award for Banks & NBFCs under Education Sector instituted by Kerala Management Association from Shri. Kochouseph Chittilappilly (Chairman & CEO,
V-Guard Industries Ltd.) in the presence of Dr. George Sleeba (Executive Director, K. Chittilappilly Foundation), Mr. Jose Dominic (MD & CEO, CGH Earth Group), Mr. V. George Antony (Non Executive Vice Chairman, UAE Exchange & Financial Services Ltd.) and Mr. Vivek Krishna Govind (President, KMA & Senior Partner, Varma & Varma Chartered Accountants)
59
Company Investor Relations Advisors
The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Ms. Chithra H, CFOMr. Vijith S, Dy. General Manager [email protected] [email protected]
www.southindianbank.com
Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain / Mr. Sagar [email protected] / [email protected]+91 77383 77756 / +91 98205 19303
www.sgapl.net
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