Transcript Presentation

CRDB Bank Plc
Investor Briefing
As at 31st March, 2014
Outline

About Us

Summary of Financial Performance

Investment Ratios

Financial Performance Trend

CRDB Custodial Services

Shareholding structure
About Us
• Leading, wholly-owned private commercial bank in Tanzania.
•Established in 1996.
• Listed on the Dar Es Salaam Stock Exchange on 17th June,
2009.
• Offers corporate, retail, business, treasury, premier, insurance
and microfinance services.
• Over 28,000 shareholders.
• 21.5% major strategic shareholder – DIF.
• 2,172 employees.
•Internet, mobile banking, Sim-banking and Agent Banking
services.
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About Us
• 107 branches, a subsidiary in Burundi and a microfinance
subsidiary.
• 330 ATMs (320 Parent + 10 in Burundi).
•13 mobile branches.
• 441 Microfinance Partners.
• 984 POS Terminals.
• 663 Agents – Service Centre.
• 37 Extended Counters – Post Offices.
•1 Call Centre.
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Branches
•
•
•
107 branches plus 441
Partner Microfinance
Institutions (MFIs).
CRDB Bank total Branches
Years
103
50
60
63
72
94
103
107
94
72
Present in every region in
Tanzania and 3 branches
in Burundi.
63
60
50
Up to district level in some
regions.
2008
•
107
Branches
2008
2009
2010
2011
2012
2013
Mar-14
Online inter branch
communication through
branches linked via
satellite.
2009
2010
2011
2012
2013
Mar-14
Vision:
To be the leading Bank, which is customer need driven with competitive
returns to shareholders.
Mission
To provide competitive and innovative financial products and services
leveraging technology to achieve distinctive customer experience. We strive
to create value for stakeholders and the society.
Financial Performance Summary as at 31st March. 2014
Item
31/03/2014
TZS millions
31/03/2013
TZS millions
Change in (%)
Total Assets
3,711,310
3,175,931
16.9
Total Deposits
3,109,091
2,676,300
16.2
Loans, Advances
and Overdrafts
2,122,528
1,749,043
21.4
400,365
347,699
15.1
Net Income (Loss)
Before Tax ( group
cumulative)
35,048
35,735
(1.9)
Net Income (Loss)
After Tax (group
cumulative)
24,284
26,111
(7.0)
Shareholders’
Funds
CRDB Summary Financial Performance
Net Interest Income
Foreign Exchange Income
28
235
206
Fees & Commissions Income
59
22
22
72
88
48
157
125
91
109
13
31
15
40
24
62
2008
2009
2010
2011
2012
2013 Mar-14
2008
2009
Non-Interest Expense
166
136
7
2
2010
2011
2012
2013 Mar-14
2008
2009
Operating Income
108
203
60
110
60
2010
2011
2012
2013 Mar-14
Net Income
122
76
85
64
46
51
47
41
86
38
71
35
53
2008
2009
2010
2011
2012
2013 Mar-14
2008
2009
2010
2011
2012
2013 Mar-14
24
2008
2009
2010
2011
2012
2013 Mar-14
All figures in Tshs Billions
8
Summary of Financial Performance Trend
Profit Trend-TZS Billions
80
Profit trend-Tzs Bln
Years
41
2008
2009
2010
46
2011
2012
2013
Mar-14
Amount
41
46
47
47
38
76
80
24.2
76
38
24.2
2008
2009
2010
2011
2012
2013
Mar-14
Investment Ratios as at 31st March. 2014
Share Performance (cumulative data)
Market Price (closing)
TZS 295.0
Earning per share (EPS)
11.0
Price Earning Ratio (P/E)
27.0
Book Value (BV)
Price book Value Ratio (P/B)
Market Capitalization (TZS billions)
Foreign Holding (%)
183.9
1.6
642.1
16.5
Investment Ratios
Balance Sheet Data & Statistics– TZS. Millions
2010
2011
2012
2013
March 2014
Total Assets (Millions Tshs)
2,305,402
2,713,641
3,074,840
3,545,438
3,711,310
Loans, Advances & Overdrafts
1,123,347
1,429,262
1,806,865
1,993,106
Deposits
2,019,393
2,408,676
2,557,903
2,966,647
233,511
254,764
310,754
376,621
400,365
1,437
1,658
1,898
2,158
2,172
134,783
117,746
52
59
56
9.4
20.0
6.5
22.0
6.0
24.0
3.0
4.0
3.6
9.3
10.1
10.6
Shareholders Funds
Number of Employees
NP Loans & Advances
(Excluding Govt. Guaranteed)
Loans/Total Assets (%)
NPL Ratio/Total gross loans
(excluding Govt. Guarantees %)
ROE % ( on average equity)
ROA % (on average asset)
Total Capital/Assets (%)
121,338
48.7
11.0
27.0
3.0
10.1
122,008
2,122,528
3,109,091
136,619
57
6.4
27
4.1
10.8
11
Financial Performance Trend
Total Deposits-TZS Billions
Profit trend-Tzs Bln
3,109
2,966
Years
2008
2009
2010
2011
2012
2013
1621
Mar-14
Amount
1273
1621
2,018
2,018
2,409
2,557
2,966
3,109
2,557
2,409
1273
2008
2009
2010
2011
2012
2013
Mar-14
Total Assets-TZS Billions
3,711
Total Assets -TZS Bln
3,545
3,074
2,714
Amount
Years
2317
1450
2008
1855 1855
2009
2317
2010
1450
2,714
2011
3,074
2012
3,545
2013
3,711
Mar-14
2008
2009
2010
Total Assets -TZS
2011
2012
2013
Mar-14
Capital / Shareholder’s fund – TZS Billions
400
376
Total Capital- TZS Blns
310
255
234
Amount
Years
2008 202 141
202
2009
234
2010
1412011
255
310
2012
376
400
2013
Mar-14
2008
2009
2010
2011
2012
2013
Mar-14
Loan Portfolio-TZS Billions
Loans Portifolio-Tzs Bln
2122
1993
1806
Years
Amount
2008
837
2009
949
2010
1123
2011
1429
2012
1806
2013 837 1993
Mar-14
2122
2008
1429
Loans Portifolio-Tzs Bln
1123
949
2009
2010
2011
2012
2013
Mar-14
Loan Portfolio by Sectors
KEY
Loans Portifolio by Sector
Financial intermediaries,
Trading & Commerce 17%
Sector
Percentage
Financial intermediaries, Trading &
1%
Commerce 17%
17%
Manufacturing & Processing
11%
Agriculture, Livestock, Hunting Fishing &
Forestry 22%
Communication & Transport 10%
Education 4%
Real Estate
6%4%
Building & Construction 5%
Tourism, Hotels& restaurant 6%
Utilities and Public Services 6%
6%
Personal/Consumer 17%
Others 1%
5%
17%
Manufacturing & Processing
11%
17%
11%
22%
10%
4%
4%
5%
6%
6%
17%
1%
103%
Agriculture, Livestock, Hunting
Fishing & Forestry 22%
Communication & Transport
10%
Education 4%
11%
Real Estate 4%
Building & Construction 5%
Tourism, Hotels& restaurant
6%
4%
22%
4%
10%
Utilities and Public Services
6%
Personal/Consumer 17%
Others 1%
CRDB Bank Custodial Services
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Safekeeping of Financial Securities
Transaction Processing, clearing and
settlements
Collection of Income on Investments
Corporate Actions Ones Stop Information
Delivery
Securities Valuation and Reporting
Facilitate Foreign Exchange trading
Proxy Voting
Tax reclaim facilitation
Who do we Serve

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
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
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Unit Trust Schemes
Fund Managers
Pension Funds
Foreign Portfolio Investors
Financial Institutions
Insurance Companies
High Net-Worth Individuals
Brokers/Dealers
Other Custodian Banks
Why Choose CRDB Bank

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Sound procedures ensuring professional
services to client
Clear Custody Agreements and SLA with
our Clients
All information at glance
Enjoy value of valuation reporting
Reliable and Efficient Information Systems
(Custody 2000)
Relationship Management
Long experience in Capital Market
Operations
Understanding of the Local environment
and regulations
Competitiveness



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Competitive Package tailored to client needs
Charges based on Asset Value
Cash and Securities Statement delivery as you may
require
Always open for Negotiation
Contacts
Tel +255 737 205 857/+255 737 205858

Fax +255 736 502 850

Email: [email protected]
Shareholding Structure
• Each
10% in shareholding is entitled to one board seat.
•Current shareholding as at 31st March, 2014.
Public Services Pension Fund
Name of Shareholder
Above 10%
% Holding
Above 10%
31.5
31.5
Less than 10% and above 1%
Less then 1%
21.3
47.2
47.2
Less than 10% and
above 1%
21.3
Less then 1%
21
31/03/2014
NAME
SHARES
%
Above 10%
DANIDA Investment Fund
467,781,934
21.5
PPF Pension Fund
217,401,746
10.0
Sub Total
685,183,680
31.5
SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Altree Custody Services Ltd - 008 - Tanzania
56,305,499
2.6
SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C Blakeney General Partners III Ltd-TZ
54,405,578
2.5
LAPF Pension Fund
48,397,958
2.2
SCB (T) Nominee SCB Mauritius Re: Standard Chartered Kenya Nominees A/C Pinebridge
40,072,400
1.8
SCB (T) Nominees SCB Consumer Banking Re Mr. Aunali F. Rajabali and Sajjad F Rajbali
40,000,000
1.8
Western Zone Tobacco Growers Cooperative Union Ltd
36,000,000
1.7
SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C General Partners IV Ltd-TZ
35,282,392
1.6
PSPF Pension Fund
31,531,350
1.4
CMG Investment Ltd
29,588,949
1.4
Hans Macha
25,082,800
1.2
SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re SCB Ghana A/C Epack Investment Funds Limited
24,790,240
1.1
Lindi Development Fund
21,660,000
1.0
SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet And CIE A/C Patrick Schegg
21,230,300
1.0
464,347,466
21.3
More than 28,000 shareholders
1,027,001,014
47.2
Grand Total
2,176,532,160
100
Above 1% and less than 10%
Sub Total
Less than 1%
22
Thank you
for listening
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