Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — H1 FY2020 Earnings Presentation
29 slides from Dhanlaxmi Bank's earnings presentation, September 2019
Slide 1: Investor Presentation September 2019
, INVESTOR PRESENTATION — ; September -2019 mee - — ‘ ——— — te —ae wo pre S anlaxmiBank in
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 Sajeev Krishnan large credits and projects and internal audit at State Bank of India
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 Dr.RavindranPillai is an Industrialist. He is the promoter/Managing Director/Director of several companies in India and Middle East. Dr. B Ravindran Pillai He holds a degree in Business Administration from Cochin Director university
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 September 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 VESPERA FUND LIMITED 4.4165 Indivi NICHE FINANCIAL SERVICES PVT LTD 3.8124 duals/ NR
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 10685 Deposit (Rs. in Crore) 6742 Advances(Gross) (Rs. in Crore) 17427 Total Business (Rs. in Crore) 11919 Total Assets (Rs. in Crore) * As on 30.09.2019 14
Slide 15: Performance Overview
Performance Overview Bank has reported net profit of Rs.41.91 crore for the half year ended 30.09.2019 compared to net Loss of Rs. 32.84 crore during the same period of last financial year. Net Interest Margin has been improved from 2.84% to 3.31 % on Y-o-Y basis. Total expenses has been reduced
Slide 16: Performance Highlights
Performance Highlights Particulars 30-09-2018 31-03-2019 30-06-2019 30-09-2019 (Reviewed) (Audited) (Reviewed) (Reviewed) Gross Advances (in crore) 6257 6636 6520 6742 Deposits (in crore) 10817 10603 10503 10685 GNPA% 7.81 7.47 7.61 7.06 NNPA% 2.92 2.41 2.35 1.65 NIM % 2.84 3.00 3.15 3.31 ROA % (0.5
Slide 17: Performance Highlights - Deposits and CASA
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA TD CASA % 10817 10603 10503 10685 2018-19(Q2) 32 31 2018-19(Q4) 2019-20(Q1) 32 32 2019-20(Q2) 7410 7209 7158 7263 RETAIL % 2018-19(Q2) 53 50 2018-19(Q4) 3407 3394 3345 3422 2019-20(Q1) 53 52 2019-20(Q2) 2018-19(Q2) 2018-19(
Slide 18: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance Rs.in Cr. 6257 6636 6520 6742 7000 6000 1963 1917 1865 1887 Retail 5000 1031 1067 1159 Gold 4000 906 1106 SME 3000 1807 1097 1704 Agri &Micro 610 759 2000 630 669 Corporate 1000 1829 1853 1130 1166 0 2018-19(Q2) 2018-19(Q4) 2019-20(Q1) 2019-20(Q2) Corporate SME Agri
Slide 19: Performance Highlights - CRAR
Performance Highlights-CRAR 16 14.16 13.75 13.85 13.77 14 12 10 10.68 10.57 10.63 10.53 8 Tier I 6 Tier II 4 2 3.48 3.18 3.22 3.24 0 19
Slide 20: Business Result
Business Result (` in Crore) For the Half Year Year For the quarter ended ended Ended Particulars 30.09.2018 30.06.2019 30.09.2019 30.09.2018 30.09.2019 31.03.2019 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) TOTAL INCOME 226.73 256.75 276.85 483.09 533.60 1024.22 TOTAL EXPENSE 2
Slide 21: Business Result for the Quarter Ended
Business Result for the Quarter Ended (` in Crore) Net Interest Income Operating Profit 43.88 47.45 150 87.43 86.99 90.08 100.65 60 29.11 40 -6.04 100 20 0 50 -20 30.09.2018 31.03.2019 30.06.2019 30.09.2019 30.09.2018 31.03.2019 30.06.2019 30.09.2019 Non Interest Income 50 Net Profit 40 27.62 19.84
Slide 22: Income & Margins
22 a Wee Nese 2s argins
Slide 23: Income and Margins
Income and Margins (in crore) Net Interest Income Net Interest Income for the Quarter Ended 110 2018 -19(Q2) 87.43 100 2018-19(Q4) 86.99 90 Net Interest Income 2019-20(Q1) 90.09 80 2019-20(Q2) 100.65 Net Interest Margin (%) Net Interest Margin 2018 -19(Q2) 2.84 3.5 2018-19(Q4) 3.00 3 Net Interest Ma
Slide 24: Income and Margins
Income and Margins 11 Yield on Advance 10.5 10.68 10 10.46 10.57 10.37 Yield on Advance 30.09.2018 31.03.2019 30.06.2019 30.09.2018 5.6 5.55 5.55 5.57 Cost of Deposits 5.55 5.5 5.54 30.09.2018 31.03.2019 30.06.2019 30.9.2019 Cost of Deposits 100 91.64 76.24Cost Income72.65 Ratio 66.8 0 30.09.2018 31
Slide 25: Asset Quality
Asset Quality Particulars 30-09-2018 31-03-2019 30-06-2019 30-09-2019 (Reviewed) (Audited) (Reviewed) (Reviewed) Gross NPA ratio (%) 7.81 7.47 7.61 7.06 Net NPA ratio (%) 2.92 2.41 2.35 1.65 Provision Coverage ratio(%) 82.50 84.72 85.38 89.16 Gross NPA Ratio(%) Net NPA Ratio(%) Provision Coverage Ra
Slide 26: Summary of Financials - Balance Sheet
Summary of Financials – Balance Sheet 30-09-2018 31-03-2019 30-06-2019 30-09-2019 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) Capital 253 253 253 253 Reserves and Surplus 464 508 528 550 Deposits 10817 10603 10503 10685 Borrowings 201 200 186 182 Other Liabilities and Provisions 237 235 2
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