Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q2 FY2014 Earnings Presentation
17 slides from Dhanlaxmi Bank's earnings presentation, September 2013
Slide 1: Investor Presentation Q2FY14 Financials
Investor Presentation Q2FY14 Financials
Slide 2: 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 3: Overview
Overview Key Milestones Achieved Profile of Board of Directors Overview of Distribution Network Shareholding pattern Summary of Operational Performance Summary of Financials Profile of Key Management Personnel Way Forward 3
Slide 4: Key Milestones Achieved
Key Milestones Achieved Incorporated in Total business* of Raised Rs. 240 Raised Rs. 270 Total business* of Launched new Awarded the Asian Thrissur, Kerala Rs. 1000 Million. million in IPO and million in a Rights Rs. 75,000 Million. “Dhanlaxmi Bank” Banker Technology listed Equity Issu
Slide 5: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Headed Oriental Bank of Commerce as Chairman & Managing Director and was previously Executive Director of Union Bank of India. Was appointed by RBI as a Mr. T.Y. Prabhu Part-time Chairman member of the Advisory Group on
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Mr. K. Jayakumar, IAS (Retd.) has served as Secretary to Government in sectors like Agriculture & Tourism and retired as Chief Secretary to the Government of Kerala. He was also a Director of NABARD and Chief Commissione
Slide 7: Broad based Distribution Network
Broad based Distribution Network Branches Profile (As on September 30, 2013) Branches Network – State-wise Branches (As on Sept. 30, 2013) As of September 30, 2013 Bank has 676 customer outlets which includes 280 branches, 396 ATMs. As of September 30, 2013 Bank is present in 15 states/UTs with
Slide 8: Shareholding pattern
Shareholding pattern As on September 30, 2013 Institutional Investors with shareholding greater than 1% (As on September 30, 2013) % Others (Banks/ Shareholder FIs etc.), 2.1% Stake Corporates, 13.9 JUPITER SOUTH ASIA INVESTMENT COMPANY LTD. 4.24 % Resident Individuals, 45.7 COLLEGE RETIREMENT EQUIT
Slide 9: Business delivery parameters
Business delivery parameters Advances Momentum Increasing Yields Asset quality 80.00 13.10% 6.00% 4.50% 12.82% 5.78% 78.95 5.31% 79.00 12.80% 5.50% 4.00% 78.00 12.50% 5.00% 12.28% 4.10% (INR Bn.) 12.20% 12.11% 4.50% 3.50% 77.00 3.69% 4.00% 3.57% 76.00 75.41 11.90% 3.00% 3.50% 75.00 11.60% 3.00% 2.50
Slide 10: Operational Efficiency & Profitability
Operational Efficiency & Profitability Operating Profit 200 350 182.3 180 290.5 300 160 140 250 120 106.4 108.1 200 (INR Mn.) (INR Mn.) 100 150 80 60 100 40 50 16.7 20 0 0 Q2FY13 Q1FY14 Q2FY14 H1FY13 H1FY14 Operating Profit Operating Profit Profit After Tax 200 150 200 150 100 100 (INR Mn.) 35.8 (IN
Slide 11: Capital Adequacy
Capital Adequacy 12.00% The Bank raised Rs. 1,167.5 Mn. of Equity in Q4FY13 and 11.85% Q1FY14 through a combination of Qualified Institutional 11.50% 11.73% Placement and Preferential Allotment. 11.00% This has further enhanced the Bank’s CAR to 11.85% as 30th 10.90% Sept. 2013 (10.46% as per Ba
Slide 12: Summary of Financials – Profit & Loss Account
Summary of Financials – Profit & Loss Account (Figures in INR Mn.) Particulars H1FY14 H1FY13 Q2FY14 Q2FY13 FY13 Interest Income 6,505 6,577 3,368 3,139 13,080 Interest Expenses 5,046 5,249 2,544 2,561 10,316 NET INTEREST INCOME 1,459 1,328 824 578 2,764 Other Income 393 432 145 220 1,143 Operating E
Slide 13: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet (Figures in INR Mn.) Particulars H1FY14 H1FY13 FY13 Capital 1,061 851 851 Reserves 7,315 6,127 6809 Deposits 1,19,066 1,09,754 1,12,021 Borrowings 7,775 8,241 15,921 Other Liabilities 2,187 4,679 2,593 TOTAL ASSETS 1,37,404 1,29,652 1,38,195 Cash/ Bank Balance 9
Slide 14: Summary of Key Ratios
Summary of Key Ratios Particulars H1FY14 H1FY13 FY13 CASA Ratio 21.08% 21.93% 22.46% Term Deposits 78.92% 78.07% 78.00% Capital Adequacy Ratio (Basel II) 11.85% 10.90% 11.06% Gross NPA 5.31% 3.57% 4.82% Net NPA 3.69% 2.50% 3.36% Cost to Income Ratio % 84.32% 99.05% 86.85% OPEX as a % of Total Income
Slide 15: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Chief Compliance & Experience of 35 years with Dhanlaxmi Bank in various departments Mr. P.S. Ravikumar Credit Officer Currently he is the Chief Compliance & Credit Officer of the Bank. Also headed functions of Inspection & Vigila
Slide 16: Way Forward
Way Forward Organizational Restructuring to Branch Centric Model • Increasing the CASA proportion • Increasing the geographical diversification of Deposits Liability Strategy • Reducing the overall Costs of Funds • Improving CRAR through infusion of Equity Capital • Increase Priority Sector Advances
Slide 17: Thank You
Thank You DhanlaxmiB kt