Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2012 Earnings Presentation
16 slides from Dhanlaxmi Bank's earnings presentation, February 2012
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank { established 1927 “
Slide 2: Financial Results for the quarter ended December 31, 2011
Financial Results for the quarter ended December 31, 2011 February 2012
Slide 3: Snapshot for the quarter
Snapshot for the quarter Total asset base stood at Rs.159 billion as at December 31, 2011 Capital adequacy as at December 31, 2011 o As per Basel II- 9.88% with a Tier-I ratio of 8.00% Employee strength fell to 4,552 as on December 31, 2011 from 4,779 as on September 30, 2011 Provision cover
Slide 4: Financials
% Financials Dhanlaxm Ban
Slide 5: Balance Sheet
Balance Sheet (Rs. in Crores) 31-Dec-11 30-Sep-11 Q-o-Q growth 31-Dec- 10 Y-o-Y growth Capital 85 85 0.0% 85 0.0% Reserves 730 766 (4.8%) 751 (2.9%) Deposits 13,406 13,815 (2.7%) 10,532 27.3% Borrowings 1,209 1,285 (5.9%) 506 138.9% Other Liabilities 517 501 3.2% 499 (3.7%) Total 15,946 16,452 (3.7%
Slide 6: Deposits - Advances Growth Better Than the Industry
Deposits - Advances Growth Better Than the Industry 90% 76.3% 77.0% 81.1% 80% 81.5% 75.5% 70% 76.5% 68.7% 56.6% 66.6% 60% 52.7% 50% 42.8% 52.8% 44.0% 40% 45.0% 30% 24.1% 27.3% 22.0% 17.1% 19.1% 21.4% 20.1% 21.4% 23.0% 20% 17.2% 18.5% 19.1% 17.0% 15.1% 14.2% 16.2% 15.8% 10% 16.0% 0% Mar-10 June-10 Se
Slide 7: Deposits
Deposits (Rs. in Crores) 31-Dec-11 30-Sep-11 Q-o-Q growth 31-Dec-10 Y-o-Y growth Current Deposits 1,293 1,265 2.2% 912 41.8% Saving Deposits 1,425 1,452 (1.9%) 1,215 17.2% CASA 2,718 2,717 0.04% 2,127 27.8% CASA (%) 20.27% 19.67% 20.20% Term Deposits 10,688 11,098 (3.7%) 8,404 27.2% Total 13,406 13,
Slide 8: Business Mix
Business Mix As at December 31, 2011 As at December 31, 2010 WBG 29% Retail WBG Retail 38% 38% 54% TAG 15% TAG As at September 30, 2011 20% Agri Agri 2% 4% WBG 31% Retail 52% TAG 14% Agri 3% 8
Slide 9: Profit and Loss Statement
Profit and Loss Statement (Rs. in Crores) Q3FY11 Q2FY11 Q-o-Q growth Q3FY10 y-o-y growth Interest income 364.3 366.1 (0.5%) 249.9 45.8% Interest expenses 300.8 298.2 0.9% 176.3 70.6% Net interest income 63.5 67.9 (6.5%) 73.4 (13.7%) Non Interest income 26.6 44.4 (40.1%) 33.4 (20.3%) Operating expens
Slide 10: Net Interest Income
Net Interest Income Q-o-Q Y-o-Y (Rs. in Crores) Q3 FY12 Q2 FY12 Q3 FY11 growth growth Interest income 364.3 366.1 (0.5%) 249.9 45.8% from Advances 282.7 281.9 0.3% 188.2 50.2% from Investments 81.1 83.6 (3.0%) 60.4 34.4% Others 0.4 0.5 (27.3%) 1.3 (69.4%) Interest expenses 300.8 298.2 0.84% 176.3 70
Slide 11: Trend in Operating Expenses
Trend in Operating Expenses 140 126 120 112 108 104 100 54 89 45 (Rs. in Crores) 77 50 43 80 70 64 35 60 28 53 30 44 29 40 23 29 31 32 72 28 18 67 25 58 61 14 14 49 54 12 13 20 12 35 40 26 30 13 16 17 17 18 0 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12 Q3-12 S
Slide 12: Key Ratios (%)
Key Ratios (%) Q3- FY2012 Q2- FY2012 Q3- FY2011 Credit - Deposit ratio 71.26 73.34 73.48 Return on Equity NM 2.03 3.44 Return on Assets NM 0.11 0.24 Dec 31, 2011 Sept 30, 2011 Dec 31, 2010 Gross NPAs (Rs. in crores) 73.38 56.00 89.71 Net NPAs (Rs. in crores) 33.82 17.50 50.41 Gross NPA ratio 0.77% 0
Slide 13: Trends in Net Interest Margin
Trends in Net Interest Margin 14% 12% 11.20% 11.36% 11.46% 11.15% 10.4% 9.9% 10.0% 9.7% 10% 8.34% 7.83% 8.02% 8% 6.90% 6.4% 6.4% 6.6% 6.5% 6% 4% 2.7% 3% 2.5% 2.6% 2.6% 2.01% 2.15% 1.80% 2% 0% Q3 - FY2010 Q4 - FY2010 Q1 - FY2011 Q3 - FY2011 Q4-FY2011 Q1-FY2012 Q2-FY2012 Q3-FY2012 Yield on Advances Co
Slide 14: Asset Quality
Asset Quality 2.0% 1.8% 1.73% 1.76% 1.6% 1.54% 1.41% 1.4% 1.26% 1.2% 1.05% 1.0% 0.89% 0.86% 0.84% 0.76% 0.74% 0.77% 0.8% 0.71% 0.63% 0.6% 0.52% 0.55% 0.30% 0.35% 0.4% 0.23% 0.17% 0.2% 0.0% Sep-09 Dec-09 Mar-10 June-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Net NPA Ratio Gross NPA Ratio Provisio
Slide 15: Nearly 72,000 Shareholders form Part of the Dhanlaxmi Family
Nearly 72,000 Shareholders form Part of the Dhanlaxmi Family Shareholding Pattern as at December 31, 2011 Banks / Financial Institutions 0.2% Others * 2.3% Non Resident Indians 6.0% Corporate Bodies 16.8% Resident Individuals 41.3% Foreign Institutional Investors * Includes insurance companies, Mutu
Slide 16: Thank You
Thank You DhanlaxmiBan