Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2020 Earnings Presentation
29 slides from Dhanlaxmi Bank's earnings presentation, June 2019
Slide 1: Investor Presentation June 2019
INVESTOR PRESENTATION — : June -2019
Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Overview of Organization Structure Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet co
Slide 3: Dhanlaxmi Bank - Profile
Dhanlaxmi Bank- Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 91 years that followed, earned the trust and goodwill of clients. Our strength is the number of customers, scale of business, breadth of our product offerings, bank
Slide 4: Key Milestones
Key Milestones 2018:Raised Rs.1500.00 million Basel III compliant Tier-II Bond 2017: Raised Rs. 1200.00 million Equity capital through Preferential Allotment issue 2016: Raised Rs. 841.9 million of Equity capital through Preferential Allotment issue. 2014: Raised Rs. 2296 million of Equity through P
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 internal audit at State Bank of India (SBI) at the Saj
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Dr. Lakshmy Devi K.R. was Head of Department of Economics of University of Calicut. She completed her Ph.D in Economics from Dr. Lakshmy Devi K.R Independent Director Calicut University in 1986. Her post doctoral experience includes
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. K.N Murali had worked in State Bank of Travancore, State Bank of Saurashtra and State Bank of Hyderabad in various positions across the country. He had handled credit, inspection and audit. As K.N Murali General Manager (Commerc
Slide 9: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 39 years in banking sector Mr. P. Manikandan Experience of 11 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Third Party Products, Premises and Cash Management System areas Chief General Manager of the Bank.
Slide 10: 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 11: Overview of Distribution Network
Overview of Distribution Network 11
Slide 12: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on June 30, 2019) Share Holder % Stake B RAVINDRAN PILLAI 9.9995 GOPINATHAN C K 7.4976 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . 4.9996 KAPILKUMAR WADHAWAN 4.9996 NICHE FINANCIAL SERVICES PVT LTD 4.2697 VESPERA FUND LIMITED 3.8681 Indivi duals/ SHITAL
Slide 13: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Agriculture / Kissan Vahana Retail & Corporate Current Account Cash Credit * Insurance Business Loan/ Kissan Card Internet Banking Home Loan / Loan against Mutual Fund Missed Call S
Slide 14: Bank at a Glance
Bank at a Glance No : Branches 250 No : ATMs 346 10503 Deposit (Rs. in Crore) 6520 Advances(Gross) (Rs. in Crore) 17023 Total Business (Rs. in Crore) 11708 Total Assets (Rs. in Crore) * As on 30.06.2019 14
Slide 15: Performance Overview
Performance Overview Bank has reported net profit of Rs. 19.84 crore for the Quarter ended 30.06.19 compared to net Loss of Rs. 44.99 crore during the same period of last financial year. Net Interest Margin has been improved from 2.74% to 3.15 % on Y-o-Y basis Total expenses has been reduced by
Slide 16: Performance Highlights
Performance Highlights Particulars 30-06-2018 31-03-2019 30-06-2019 (Reviewed) (Audited) (Reviewed) 6520 Gross Advances (in crore) 5938 6636 10503 Deposits (in crore) 10914 10603 GNPA% 8.94 7.47 7.61 NNPA% 3.79 2.41 2.35 NIM % 2.74 3.00 3.15 ROA % (1.50) 0.10 0.68 ROE % (25.62) 1.53 10.19 Cost/Incom
Slide 17: Performance Highlights - Deposits and CASA
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA TD CASA % 10914 10603 10503 2018-19(Q1) 32 31 2018-19(Q4) 32 2019-20(Q1) 7511 7209 7158 RETAIL % 2018-19(Q1) 53 45 2018-19(Q4) 3403 3394 3345 2019-20(Q1) 52 2018-19(Q1) 2018-19(Q4) 2019-20(Q1) 17
Slide 18: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance Rs.in Cr. 5938 6636 6520 8000 2984 Retail 6000 3841 3126 Gold 1067 SME 4000 871 1031 1097 1417 1220 610 Agri &Micro 2000 668 772 1829 Corporate 623 907 0 2018-19(Q1) 2018-19(Q4) 2019-20(Q1) Corporate 28% Retail 9% Agri& 45% Micro 16% SME 16% Gold 18
Slide 19: Performance Highlights - CRAR
Performance Highlights-CRAR 13.07 13.75 13.85 14 12 10 8 Tier I Tier II 6 10.57 10.63 9.87 4 2 3.2 3.18 3.22 0 2018-19(Q1) 2018-19(Q4) 2019-20(Q1) 19
Slide 20: Business Result
Business Result (` in Crore) Particulars 30-06-2018 31-03-2019 30-06-2019 (Reviewed) (Audited) (Reviewed) TOTAL INCOME 256.36 1024.22 256.75 TOTAL EXPENSE 236.34 929.29 227.64 NET INTEREST INCOME 81.13 346.78 90.08 OPERATING PROFIT 20.02 94.93 29.11 PROVISIONS & CONTINGENCIES 65.01 83.26 9.27 NET PR
Slide 21: Business Result for the Quarter Ended
Business Result for the Quarter Ended (` in Crore) Net Interest Income Operating Profit 81.13 86.99 90.08 43.88 100 60 20.02 29.11 80 40 20 60 0 30.06.2018 31.03.2019 30.06.2019 30.06.2018 31.03.2019 30.06.2019 Non Interest Income Net Profit 40 50 27.62 19.84 27.13 20 16.45 16.33 0 30.06.2018 31.03.
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Slide 23: Income and Margins
Income and Margins (in crore) Net Interest Income Net Interest Income for the Quarter Ended 95 2018 -19(Q1) 81.13 90 Net Interest 2018-19(Q4) 86.99 85 Margin 80 2019-20(Q1) 90.08 75 2018-19 (Q1) 2018-19(Q4) 2019-20(Q1) Net Interest Margin (%) Net Interest Margin 2018-19 (Q1) 2.74 3.5 2018-19(Q4) 3.0
Slide 24: Income and Margins
Income and Margins 11 Yield on Advance 10.5 10.57 10 10.36 10.37 Yield on Advance 30.06.2018 31.03.2019 30.06.2019 5.6 Cost of Deposits 5.55 5.59 5.57 5.5 5.54 Cost of Deposits 30.06.2018 31.03.2019 30.06.2019 85 Cost Income Ratio 80 75 79.49 76.24 70 65 72.65 Cost Income Ratio 30.06.2018 31.03.2019
Slide 25: Asset Quality
Asset Quality Particulars 30-06-2018 31-03-2019 30-06-2019 (Reviewed) (Audited) (Reviewed) Gross NPA ratio (%) 8.94 7.47 7.61 Net NPA ratio (%) 3.79 2.41 2.35 Provision Coverage ratio(%) 79.45 84.72 85.38 Net NPA Ratio(%) Provision Coverage Ratio(%) Gross 86 9.5 NPA Ratio(%) 4 3.5 85 3 3.79 84 85.38
Slide 26: Summary of Financials - Balance Sheet
Summary of Financials – Balance Sheet Particulars 30-06-2018 31-03-2019 30-06-2019 (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 451 508 528 Deposits 10914 10603 10503 Borrowings 211 200 186 Other Liabilities and Provisions 218 235 238 TOTAL 12047 1
Slide 27: Way Forward
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA • Increasing Retail / Low cost Deposits • Quality Advance Portfolio • Increasing Retail Advances Asset Strategy • Lending based on Collaterals Profitability Approach • Better Pricing • Relocating high Cost Premises & lo
Slide 28: 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 29: Dhanlaxmi Bank
Dhanlaxmi Bank established 1927