Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2010 Earnings Presentation
13 slides from Dhanlaxmi Bank's earnings presentation, January 2010
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank ¢ established 1927 wy
Slide 2: Financial Results for quarter ended December 31, 2009
Financial Results for quarter ended December 31, 2009 January 2010
Slide 3: Quantitative Performance Q3 FY2010
Quantitative Performance Q3 FY2010
Slide 4: Balance Sheet
Balance Sheet Rs. in crores Dec 31, Sept 30, June 30, Mar 31, Dec 31, Y-O-Y Particulars 2009 2009 2009 2009 2008 growth Capital 64 64 64 64 64 - Reserves 378 377 371 360 346 9.3% Deposits 6,002 5,629 5,070 4,969 4,615 30.1% Borrowings 299 140 38 - - - Other Liabilities 406 407 249 250 232 75.1% Tota
Slide 5: Profit and loss statement
Profit and loss statement Rs. in crores Q3 - Q3 - Y-O-Y 9m - 9m - Y-O-Y Particulars FY2010 FY2009 growth FY2010 FY2009 growth Interest income 139.8 111.8 25.0% 384.1 293.5 30.9% Interest expenses 100.6 74.4 35.2% 287.4 200.1 43.6% Net interest income 39.2 37.4 4.8% 96.7 93.4 3.5% Non Interest income
Slide 6: Net Interest Income
Net Interest Income Rs. in crores Q3 - Q3 - Y-O-Y 9m - 9m - Y-O-Y Particulars FY2010 FY2009 growth FY2010 FY2009 growth Interest Income 139.8 111.8 25% 384.1 293.5 31% - from Advances 108.0 78.8 37% 304.0 204.0 49% - from Investments 30.8 21.4 44% 73.6 60.3 22% - from balances with 0.6 11.6 (95)% 4.
Slide 7: Trend in Operating expenses
Trend in Operating expenses 60 53 50 44 23 40 Rs. in crores 31 32 18 28 29 30 25 14 13 14 12 20 12 30 26 10 18 16 17 17 13 0 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Others Staff cost
Slide 8: Key Ratios (%)
Key Ratios (%) Q3 - Q2 - Q1 - 9m - 9m - Particulars FY2010 FY2010 FY2010 FY2010 FY2009 Yield on Advances 10.41 10.55 11.46 10.81 12.04 Cost of Funds 6.36 6.86 7.22 6.78 7.06 Net Interest Margin 2.52 1.91 2.38 2.35 3.29 Cost / Income ratio 94.94 79.71 71.15 82.67 62.14 Credit - Deposit ratio 75.31 74
Slide 9: Key Ratios (contd.)
Key Ratios (contd.)… Dec 31, Sept 30, June 30, Mar 31, Dec 31, Particulars 2009 2009 2009 2009 2008 Capital Adequacy Ratio Basel I (%) 13.36 14.93 13.38 14.44 14.33 - Tier I 9.14 10.16 11.97 12.90 12.82 Basel II (%) 14.29 15.90 14.14 15.38 - - Tier I 9.78 10.81 12.65 13.75 - Gross NPA ratio (%) 1.76
Slide 10: Credit - Deposit Growth
Credit - Deposit Growth Rs. in crores Dec Sept June Mar Dec Y-O-Y Particulars 31, 2009 30, 2009 30, 2009 31, 2009 31, 2008 growth CASA 1,323.6 1,244.9 1,126.0 1,207.6 1,166.3 13.5% CASA (%) 22% 22% 22% 24% 25% - Term Deposits 4,678.5 4,384.6 3,944.6 3,761.1 3,448.4 35.7% Total Deposits 6,002.1 5,629
Slide 11: Qualitative Performance - Q3 FY2010
Qualitative Performance - Q3 FY2010 • Commissioned 45 new branches and 101 ATMs in Q3, taking the total branches and ATMs to 252 and 174 respectively • Employee strength increased to 2,795 as on Dec 2009 from 2,162 as on Sept 2009 • Certificate of deposit Rs. 225 crores placed during the quarter • H
Slide 12: Shareholding Pattern as on December 31, 2009
Shareholding Pattern as on December 31, 2009 December 31, 2009 September 30, 2009 Stakeholders Shares in % Shares in % million million Resident Individuals 30.0 46.86 27.9 43.55 Foreign Institutional Investors 14.8 23.15 14.9 23.30 Corporate Bodies 14.3 22.24 15.0 23.34 Non Resident Indians 3.6 5.63
Slide 13: Thank You
Thank You