Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2015)
17 slides from Dhanlaxmi Bank's investor presentation, March 2015
Slide 1: Investor Presentation
Investor Presentation March 2015
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 Raised Rs.2296.4 Total business of Raised Rs. 240 Raised Rs. 270 Total business* Launched new Awarded the Thrissur, Rs. 1000 Mn. Mn. in IPO and Mn. in a Rights of Rs. 75,000 “Dhanlaxmi Asian Banker million by way of Kerala listed Equity Issue Mn. Second Bank”
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 member of the Mr. T.Y. Prabhu Part-time Chairman Advisory Group on
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Designation 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 Calicut University in 1986. Her post Dr. Lakshmy Devi K.R Independent Director doctoral experie
Slide 7: Broad based Distribution Network
Broad based Distribution Network Branches Profile (As on March 31, 2015) Branches Network – State-wise Branches (As on March 31, 2015) As of March 31, 2015 Bank has 678 customer outlets which includes 280 branches, 398 ATMs. As of March 31, 2015 Bank is present in 15 states/UTs with 280 branches
Slide 8: Shareholding pattern
Shareholding pattern FII Institutional Investors with shareholding greater than 1% 21% (As on March 31, 2015) individual 50% Corporate 16% ELARA INDIA OPPORTUNITIES FUND LIMITED 3.45 FII NRI Corporate 13% ANTARA INDIA EVERGREEN FUND LTD 3.44 NRI individual RELIANCE LIFE INSURANCE COMPANY LIMITED 3.2
Slide 9: Business parameters
Business parameters Cost of Deposits % Cost of Funds % Growing Deposits 8.15 8.13 125 8.3 8.29 123.82 8.1 124 8.28 8.05 123 121.33 8 8.26 122 (INR Bn.) 121 7.95 8.24 120 7.9 7.87 8.22 8.21 119 7.85 118 7.8 8.2 117 7.75 8.18 116 7.7 115 8.16 FY 2014 FY 2015 FY 2014 FY 2015 FY 2014 FY 2015 80 79.36 12
Slide 10: Operational Efficiency & Profitability
Operational Efficiency & Profitability Operating Profit Net Interest Margin Cost Income Ratio 180 98.5 98.29 160.58 160 2.38 2.37 98 140 2.36 97.5 120 2.34 97 100 2.32 96.5 80 2.3 96 95.60 60.07 60 2.28 2.27 95.5 (INR Mn.) 40 2.26 95 20 2.24 94.5 0 2.22 94 FY 2014 FY 2015 FY 2014 FY 2015 FY 2014 FY
Slide 11: Capital Adequacy
Capital Adequacy 10.5 10 10 10 9.71 9.59 9.71 The Bank raised Rs. 2296.36 Mn. 9.59 9.5 of Equity in H1 of FY 2015 through Preferential Allotment. 9 8.67 8.67 8.5 8 FY 2014 FY 2015 FY 2014 FY 2015 BASEL II BASEL III Parameters FY 2014 FY 2015 Basel III CRAR % 8.67 9.59 Core CRAR- 7.42 6.93 Basel- I
Slide 12: Summary of Financials – Profit & Loss Account
Summary of Financials – Profit & Loss Account (Figures in INR Mn.) Particulars FY 2014 FY 2015 Interest Income 12919 12836 Interest Expenses 10118 9847 NET INTEREST INCOME 2801 2988 Other Income 734 849 Operating Expenses - Staff Cost 1892 2115 - Other Expenses 1583 1467 Provisions 2579 2671 PROFIT
Slide 13: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet (Figures in INR Mn.) Particulars FY 2014 FY2015 Capital 1259 1774 Reserves 6104 5464 Deposits 121332 123817 Borrowings 13356 9414 Other Liabilities 4825 3050 TOTAL LIABILITIES 146876 143519 Cash/ Bank Balance 16753 12901 Investments 10452 6208 Advances 79360 766
Slide 14: Summary of Key Ratios
Summary of Key Ratios Particulars FY2014 FY2015 CD Ratio 66.92 64.42 CASA Ratio 21.99 24.34 Gross NPA 5.98% 7% Net NPA 3.80% 3.29% 98.29% 95.68% Cost to Income Ratio % 25.45% 26.83% OPEX as a % of Total Income Net Interest Margin 2.27 2.37 ROA (1.86) (1.77) ROE (37.39) (24.14) 14
Slide 15: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Experience of 35 years in banking sector Mr. P. Manikandan Chief General Manager Experience of 10 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Third Party Products, Premises and Cash Management System departmen
Slide 16: Way Forward
Way Forward • Increasing the CASA proportion Organizational Restructuring to Branch Centric Model • Increasing the geographical diversification of Deposits Liability Strategy • Reducing the overall Costs of Funds • Special focus to NRI segment • Increase Priority Sector Advances • Focus on Gold Loan
Slide 17: Thank You
Thank You DhanlaxmiB