Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q4 FY2010 Earnings Presentation
13 slides from Dhanlaxmi Bank's earnings presentation, May 11, 2010
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank ¢ established 1927 wy
Slide 2: Financial Results for period ended March 31, 2010
Financial Results for period ended March 31, 2010 May 11, 2010
Slide 3: Quantitative Performance Q4 FY2010
Quantitative Performance Q4 FY2010
Slide 4: Balance Sheet
Balance Sheet Rs. in crores Mar 31, Dec 31, Sept 30, June 30, Mar 31, Y-o-Y Particulars 2010 2009 2009 2009 2009 growth Capital 64 64 64 64 64 - Reserves 376 378 377 370 360 4.3% Deposits 7,098 6,002 5,629 5,071 4,969 42.9% Borrowings 121 299 140 38 - - Other Liabilities 428 406 408 249 250 71.4% To
Slide 5: Profit and loss statement
Profit and loss statement Rs. in crores Q4 - Q4 - Y-o-Y Y-o-Y Particulars FY2010 FY2009 FY2010 FY2009 growth growth Interest income 150.5 114.9 30.9% 534.6 408.4 30.9% Interest expenses 106.6 86.7 22.9% 394.0 286.8 37.4% Net interest income 43.9 28.2 55.6% 140.6 121.6 15.6% Non Interest income 31.9
Slide 6: Net Interest Income
Net Interest Income Rs. in crores Q4 - Q4 - Y-o-Y Y-o-Y Particulars FY2010 FY2009 FY2010 FY2009 growth growth Interest Income 150.5 114.9 31% 534.6 408.4 31% - from Advances 115.4 88.0 31% 419.4 292.1 44% - from Investments 34.3 18.8 82% 107.8 79.0 36% - from balances with 0.8 8.1 (90)% 5.3 37.3 (86
Slide 7: Trend in Net Interest Margin
Trend in Net Interest Margin 4.0% 3.5% 3.0% 2.5% 2.7% 2.5% 2.4% 1.9% 2.0% 1.5% 1.0% 0.5% 0.0% Q1-2010 Q2-2010 Q3-2010 Q4-2010 Margins continued to improve on a sequential basis due to repricing of high cost deposits and renewed focus on the SME segment
Slide 8: Trend in Operating expenses
Trend in Operating expenses 70 64 60 53 50 29 44 Rs. in crores 40 23 31 32 18 29 30 28 25 14 14 12 13 20 12 35 30 26 10 17 17 18 13 16 0 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Others Staff cost
Slide 9: Key Ratios (%)
Key Ratios (%) Q4 - Q3 - Q2 - Q1 - Particulars FY2010 FY2009 FY2010 FY2010 FY2010 FY2010 Yield on Advances 9.87 10.41 10.55 11.46 10.53 11.70 Cost of Funds 6.43 6.36 6.86 7.22 6.71 7.03 Net Interest Margin 2.70 2.52 1.91 2.38 2.45 2.97 Cost / Income ratio 84.57 94.94 79.71 71.15 83.29 56.26 Credit -
Slide 10: Key Ratios (contd.)
Key Ratios (contd.)… Mar 31, Dec 31, Sept 30, June 30, Mar 31, Particulars 2010 2009 2009 2009 2009 Capital Adequacy Ratio Basel I (%) 12.47 13.36 14.93 13.38 14.44 - Tier I 8.45 9.14 10.16 11.97 12.90 Basel II (%) 12.99 14.29 15.90 14.14 15.38 - Tier I 8.80 9.78 10.81 12.65 13.75 Gross NPA ratio (%
Slide 11: Credit - Deposit Growth
Credit - Deposit Growth Rs. in crores Mar Dec 31, Sept 30, June 30, Mar 31, Y-o-Y Particulars 31, 2010 2009 2009 2009 2009 growth CASA 1,551.6 1,323.6 1,244.8 1,126.0 1,207.7 28.5% CASA (%) 22% 22% 22% 22% 24% - Term Deposits 5.,546.9 4,678.5 4,384.6 3,944.6 3,761.1 47.4% Total Deposits 7,098.5 6,00
Slide 12: Shareholding Pattern as on March 31, 2010
Shareholding Pattern as on March 31, 2010 March 31, 2010 December 31, 2009 Stakeholders Shares in % Shares in % million million Resident Individuals 28.7 44.76 30.0 46.86 Foreign Institutional Investors 15.9 24.87 14.8 23.15 Corporate Bodies 14.4 22.43 14.3 22.24 Non Resident Indians 3.7 5.77 3.6 5.
Slide 13: Thank You
Thank You