Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2013)
19 slides from Dhanlaxmi Bank's investor presentation, March 2013
Slide 1: Corporate Investor Presentation
Corporate Investor Presentation March 2013
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: Agenda
Agenda Key Milestones Achieved Profile of Board of Directors Profile of Key Management Personnel Overview of Organization Structure Overview of Distribution Network Comprehensive range of Products Modern Information Technology Infrastructure & Systems Summary of Past Operations – Upg
Slide 4: Key Milestones Achieved
Key Milestones Achieved 2013: Raised Rs. 1050 million of Equity through a combination of Qualified Institutional Placement and Preferential Allotment issue. 2012: Awarded the Asian Banker Technology Implementation award - International award for Best branch automation 2011: Awarded the “Best M
Slide 5: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Mr. T.Y. Prabhu Part-time Headed Oriental Bank of Commerce as Chairman & Managing Director and was Chairman previously Executive Director of Union Bank of India. Was appointed by RBI as a member of the Advisory Group on
Slide 6: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Mr. P.S. Ravikumar Chief Compliance & Experience of 34 years with Dhanlaxmi Bank in various departments Credit Officer Currently handling Credit Sourcing, Credit Processing, Monitoring, Collections and Recovery Management Also wor
Slide 7: Overview of Organization Structure
Overview of Organization Structure BOARD MD & CEO Head – Head – IT Chief Head – Business Chief People Secretary to the Head – Head – Treasury Product & Compliance & Devt. & Planning Officer Board & Company Inspection Integrated Development Credit Officer Secretary & Audit Risk Mgmt. Head – Legal Hea
Slide 8: Overview of Distribution Network
Overview of Distribution Network As of March 31, 2013 Bank has 676 customer outlets Branches Network – State-wise Branches which includes 280 branches, 400 ATMs (As on March 31, 2013) As of March 31, 2013 Bank is present in 15 states/UTs with 280 branches : Metro Branches – 62 Urban Branches
Slide 9: 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 Forex Services Loan/ Kissan Card Internet Banking Home Loan / Loan against Savings Account Overdraft Cash
Slide 10: Modern Information Technology Infrastructure & Systems
Modern Information Technology Infrastructure & Systems All the operations at all Branches are under Core Banking Listed below are some of the key information technology packages System (CBS) already implemented: IT Solutions Client Operations Credit , Risk Upgraded CBS to the latest version with
Slide 11: Summary of Past Operations- Upgrades & Network Expansion
Summary of Past Operations- Upgrades & Network Expansion Advances Deposits 95 Term Deposit CASA Advances 140 90 90.7 87.6 120 85 96.6 95.2 100 86.9 80 INR Bn INR Bn 80 75 77.8 60 70 40 28.7 22.8 25.2 65 20 60 0 FY2011 FY2012 FY2013 FY2011 FY2012 FY2013 Cost to Income Ratio & Interest Income Yield in
Slide 12: Summary of Past Operations
Summary of Past Operations Branches and ATMs 450 No of branches No of ATM's 400 400 400 350 330 300 280 280 280 250 200 150 100 50 0 FY2011 FY2012 FY2013 CASA/ Branch Employees 120 No. of Employees 102 CASA/Branch 5000 100 90 82 4500 4260 3960 INR Mn 80 4000 60 3500 3000 2601 40 2500 20 2000 1500 -
Slide 13: Way Forward: Organizational Restructuring to Branch Centric Model
Way Forward • Increasing CASA Organizational Restructuring to Branch Centric Model • Increasing Retail Deposits Liability Strategy • Achieve Deposit Growth • Contain Costs of Deposits • Increasing share of SME Advances • Maintain share of Retail Advances Asset Strategy • Achieve Advances Growth • De
Slide 14: Yields, Cost of Funds & Net Interest Margins
Yields, Cost of Funds & Net Interest Margins Improvement in Yields and Cost of funds (COF’s) (%) The Bank is reducing low yielding corporate & Yield on advances Cost of Funds NIM 13.3 retail loans and bulk deposits to improve 14.0 12.9 12.7 12.3 margins. 12.0 11.2 11.4 11.5 11.3 The Bank is now
Slide 15: Continuous efforts to reduce costs
Continuous efforts to reduce costs Reduction in Costs (Rs Million) As part of the strategy to reduce costs, the Bank’s current 1,600 management has initiated the following corrective steps Other Costs 1,468 1,400 a) Reducing the employee strength to 2,601 as of March 31, 2013 Employee costs 1,266 as
Slide 16: Summary of Financials
Summary of Financials Profit & Loss Account (Figures in INR Mn.) Particulars FY13 FY12 Interest income 13,080 13,937 Interest expenses 10,316 11,461 NET INTEREST INCOME 2764 2,476 Other Income 1,143 1,436 Operating expenses 3,393 4,891 Staff cost 1,868 2,740 Provisions 488 177 PROFIT AFTER TAX 26 (1
Slide 17: Summary of Financials
Summary of Financials Particulars FY13 FY12 Credit Deposit Ratio 69.42% 74.19% Deposits Composition CASA (%) 22% 19% Term Deposits (%) 78% 81% Quality & Efficiency (%) Gross NPA (%) 4.82% 1.18% Net NPA (%) 3.36% 0.66% Return on Assets (%) 0.02% (0.75)% Basel II Capital Adequacy 11.06% 9.49% Tier I 8
Slide 18: Capital Issuances and Shareholding Pattern
Capital Issuances and Shareholding Pattern • Raised Rs. 1077 million of Subordinated Debt in FY13 Institutional Investors with shareholding greater than • Raised Rs. 1053 million of Equity in Q1FY14 through a combination 1% (As on May 31, 2013) of Qualified Institutional Placement (QIP) and Preferen
Slide 19: Thank You
DhanlaxmiBank established 1927