Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2020)
31 slides from Dhanlaxmi Bank's investor presentation, March 2020
Slide 1: Investor Presentation March 2020
INVESTOR PRESENTATION March -2020 1
Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet comparison Way Forward 2
Slide 3: Dhanlaxmi Bank Profile
Dhanlaxmi Bank Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 92 years that followed, Bank has earned the trust and goodwill of clients. Our strength is the number of customers, longevity of relationship, scale of business, bre
Slide 4: Key Milestone
Key Milestone 2020: Highest ev er profit of Rs 65.78Crs , Consistent profit for Last sev en Quarters ,Capital adequacy Ratio reaching a high of 14.41% 2013 to 2018 :Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / Qualified I nstitutional Placement as Equity
Slide 5: Vision & Mission
Vision & Mission Vision Banking on Relationships forever Mission To Become a Strong and Innovative Bank with Integrity and Social Responsibility to Maximize Customer Satisfaction as well as that of the Employees, Shareholders and the Society. 5
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. Sajeev Krishnan appointed as Part-time Chairman and took charge on 23.05.2018 He has been with the State Bank group since 1977. He has handled large credits and projects and Sajeev Krishnan internal audit at State Bank of India
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. Chella K Srinivasan is a Practicing Chartered Accountant for more than 34 years. He has professional expertise in accounting, auditing and corporate taxation and has varied experience in audits of manufacturing companies, hotels
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Dr.RavindranPillai is an Industrialist. He is the Promoter/Managing Director/Director of several companies in India and Middle East. He holds a degree in Business Administration Dr. B Ravindran Pillai from Cochin university of Scien
Slide 9: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr G. Venkatanarayanan has an experience of more than 37 years in associate banks of State Bank of India in branch banking, planning functions, MIS, IT operations, risk G Venkatanarayanan management, financial inclusions and Audit &
Slide 10: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 39 years in banking sector Experience of 11 years in Planning, Operations, Credit, HRD, Inspection, Mr. P. Manikandan Vigilance, Third Party Products, Premises and Cash Management System areas Chief General Manager of the Bank.
Slide 11: Profile of Senior Management
Profile of Senior Management Name Experience Experience of 26 years in banking/financial sector. Worked in Branch, Zonal Office, Credit Department (SME & Corporate underwriting). He also headed Integrated Risk Management Department of the Bank. Had a key role in formulation of Credit Policy, Credi
Slide 12: Profile of Senior Management
Profile of Senior Management Name Experience 36 years of experience in banking sector including working with Federal Mr. Rajan Sleeba Bank etc. Head- Human Resources He is Post Graduated in law (LLM) and Certified Associate of the Department Indian Institute of Bankers (CAIIB) • He worked as Reg
Slide 13: Overview of Distribution
Overview of Distribution “Over 518 touch points including 247 branches, 254 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customizing services and personalizing relations” 13
Slide 14: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on March 31, 2020 Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN C K 7.498 .YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 5.000 Individ KAPILKUMAR WADHAWAN 5.000 uals/H VESPERA FUND LIMITED 4.417 NRI UF NICHE FINANCIAL SERVICES PVT LTD 3.506 32.
Slide 15: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Distribution of General Agriculture / Kissan Vahana Loan/ Retail & Corporate Current Account Cash Credit * and Life Insurance Kissan Card Internet Banking products. Home Loan / Loan
Slide 16: Bank at a Glance
Bank at a Glance No : Branches 247 No : ATMs 254 10904 Deposit (Rs. in Crore) 6799 Advances(Gross) (Rs. in Crore) 17703 Total Business (Rs. in Crore) 12265 Total Assets (Rs. in Crore)
Slide 17: Performance Overview
Performance Overview Y-O-Y Comparison Highest Net Profit of Rs 65.78 Crs so far……a growth of 463.65%. Operating profit of Rs. 161.97 Crs, registering a growth of 70.62% from Rs 94.93Crs. Total business of the bank reached Rs. 17703 Crs registering growth of 2.69%. Deposits a growth of 2.84% to
Slide 18: Performance Highlights
Performance Highlights Particulars 31-03-2019 30-06-2019 30-09-2019 31-12-2019 31-03-2020 (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) Gross Advances (in crore) 6636 6520 6742 6878 6799 Deposits (in crore) 10603 10503 10685 10813 10904 GNPA% 7.47 7.61 7.06 7.13 5.90 NNPA% 2.41 2.35 1.65 1.62
Slide 19: Performance Highlights: Deposits and CASA
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA % CASA TD 2018-19(Q4) 30 32 2019-20(Q1) 10725 10503 10685 10813 10904 2019-20(Q2) 30 32 2019-20(Q3) 7263 7530 7655 32 2019-20(Q4) 7209 7158 RETAIL % 3394 3345 3422 3283 3249 2018-19(Q4) 2019-20(Q1) 54 52 2018-19(Q4) 2019-20
Slide 20: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) 100% 2810 1917 1865 1856 1739 80% 1067 1159 1199 1270 60% Retail 1031 1097 1106 1070 1010 Gold 40% 1220 610 759 759 787 SME 668 Agri &Micro 20% 1829 1853 1994 1993 Corporate 907 0% 2018-19(Q4) 2019-20(Q1) 2019-20(Q2) 2019-20(Q3) 2019-20(Q4) Corporate SME A
Slide 21: Performance Highlights-CRAR
Performance Highlights-CRAR 16 14 12 10 8 10.57 10.63 10.53 10.36 10.69 6 Tier I 4 Tier II 2 3.18 3.22 3.24 3.19 3.72 0 2018-19(Q4) 2019-20(Q1) 2019-20(Q2) 2019-20(Q3) 2019-20(Q4)
Slide 22: Business Result
Business Result 31.03.2018 31.03.2019 YOY (2019) 31.03.2020 YOY (2020) Particulars Growth Growth (Audited) (Audited) Growth% (Audited) Growth% Interest Income 1013.31 971.49 (41.82) (4.13) 987.59 16.10 1.66 Interest Expenses 667.52 624.71 (42.81) (6.41) 614.41 (10.30) (1.65) Net Interest Income 345.
Slide 23: Business Result for the Quarter Ended
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 43.88 47.44 45.63 39.79 120 100.65 96.9 50 29.11 86.99 90.08 85.54 100 80 60 0 31.03.2019 30.06.2019 30.09.2019 31.12.2019 31.03.2020 31.03.2019 30.06.2019 30.09.2019 31.12.2019 31.03.2020 Net Profit Non Interest I
Slide 24: E x< Ss = je) pe a
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Slide 25: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 2018 -19(Q4) 86.99 105 100 100.65 2019-20(Q1) 90.09 95 96.9 90 90.09 86.99 2019-20(Q2) 100.65 85 85.54 80 2019-20(Q3) 96.90 75 2019-20(Q4) 85.54 Net Interest Margin (%) Net Interest Margin 2018 -19(Q4) 3.00 3
Slide 26: Income and Margins
Income and Margins Rs (in Cr) Yield on Advance 10.76 11 10.53 10.68 10.91 10.37 10.5 10 31.03.19 30.06.19 30.09.19 31.12.19 31.03.20 82.11 Cost Income Ratio 72.65 80 66.29 66.8 Income and Margins 66.67 60 31.03.2019 30.06.2019 30.09.2019 31.12.2019 31.03.2020 Cost of Deposits 5.7 5.54 5.54 5.56 5.6
Slide 27: Asset Quality
Asset Quality Rs (in Cr) Particulars 31-03-2019 30-06-2019 31-09-2019 31-12-2019 31-03-2020 (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) Gross NPA ratio (%) 7.47 7.61 7.06 7.13 5.90 Net NPA ratio (%) 2.41 2.35 1.65 1.62 1.55 Provision Coverage ratio(%) 84.72 85.38 89.16 89.31 89.87 Gross Net
Slide 28: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet March 2018 March 2019 March 2020 Particulars (Audited) (Audited) (Audited) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 496 508 574 Deposits 10920 10603 10904 Borrowings 392 200 178 Other Liabilities and Provisions 225 235 356 TOTAL 12286 117
Slide 29: Way Forward: Profitability Approach
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA with quality acquisition. • Improve value of account • Quality Advance Portfolio • Increasing Retail Advances including Housing Loan , Asset Strategy Car Loan, Gold Loan and Loan against property. • Lending based on Col
Slide 30: Disclaimer
Disclaimer This presentation has been prepared by Dhanlaxmi Bank (the “Bank”) solely for your information and for your use and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organization or firm) or published
Slide 31: Thank You