Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2021)
26 slides from Dhanlaxmi Bank's investor presentation, March 2021
Slide 1: Investor Presentation March 2021
INVESTOR PRESENTATION March-2021 1 DhanlaxmiBank { established 1927
Slide 2: Dhanlaxmi Bank Profile
Dhanlaxmi Bank Profile Incorporated in 1927 at Thrissur, Kerala. Over the 93 years that followed, Bank has earned the trust and goodwill of clients. 519 touch points including 245 branches, 257 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customer services
Slide 3: Key Milestones
Key Milestones 2021: Consistent profit for last eleven Quarters , Capital adequacy Ratio reaching a high of 14.47% 2020: Highest ever profit of Rs 65.78Crs , 2013 to 2018 :Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / Qualified Institutional Placement as E
Slide 4: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr G. Subramonia Iyer, agriculture graduate, has an experience of more than 36 years in banking at Mr. G Subramonia Iyer various levels and had retired as Executive Director of Uco Bank. He was in-charge of operational heads of Trea
Slide 5: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships C.K.Gopinathan Mr. C.K.Gopinathan is promoter Director of C.K.G.Supermarket. He was also Director in the Catholic Director Syrian Bank Limited for 8 years. Mr. C.K.Gopinathan is a major share holder of our Bank. He has more than 25
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. G Rajagopalan Nair Mr. G. Rajagopalan Nair , a post graduate in Electronics and Communication. has an experience of 21 years in banking and 23 years in banking related Information Technology and Fintech companies. He had retired
Slide 7: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 34 years in banking sector. Worked in SBI/SBT in various areas like Finance & Accounts ,Large Value Credit Mr. Ramesh AJ intensive branches etc. Chief Financial Officer He holds a degree in chemistry and is also a Certified Asso
Slide 8: Profile of Senior Management
Profile of Senior Management Name Experience Worked in Government sector, Public Sector Financial Institution for about 7 Mr. L. Chandran years and Bank for 19 years in different capacities in various geographical General Manager areas. A post graduate in Science, he holds an MBA (Finance)and B.Ed
Slide 9: Profile of Senior Management
Profile of Senior Management Name Experience • 23 years of experience in banking sector including working with Indian Mr. Satheesan V Overseas Bank . In addition to being a Law graduate he also holds Master Chief Vigilance Officer of Business Law and MBA (International Business). Has the Additional
Slide 10: Overview of Distribution
Overview of Distribution “519 touch points including 245 branches, 257 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customer services and personalizing relations” 10
Slide 11: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on March 31, 2021) Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN C K 7.498 .YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 4.999 Individ KAPILKUMAR WADHAWAN 4.999 uals/H VESPERA FUND LIMITED 4.416 NRI UF NICHE FINANCIAL SERVICES PVT LTD 3.506 32
Slide 12: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Distribution of General Agriculture / Kissan Vahana Loan/ Retail & Corporate Current Account Cash Credit * and Life Insurance Kissan Card Internet Banking products. Home Loan / Loan
Slide 13: Performance Overview
Performance Overview Y-O-Y Comparison Continuous 11th Quarter Profit ,Q4 net profit Rs 5.28 Crores Total business Rs. 18834 Crs as on 31st March 2021 . (Growth of 6.39%.) CASA to Total deposits ratio 33%. Retail advance grew by 19.91% to reach Rs. 3608 Crs as on 31.03.2021 Gold Loan portfo
Slide 14: Performance Highlights
Performance Highlights Particulars 31-03-2020 30-06-2020 30-09-2020 31-12-2020 31-03-2021 (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) Gross Advances (in 6799 6738 7060 6837 7122 crore) Deposits (in crore) 10904 11109 11436 11456 11712 GNPA% 5.90 6.89 6.36 5.78 9.23 NNPA% 1.55 2.18 1.66 1.11
Slide 15: Performance Highlights (Deposits, CASA)
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA % CASA TD 2019-20(Q4) 33 30 2020-21(Q1) 11436 11456 11712 2020-21(Q2) 11109 10904 30 32 2020-21(Q3) 31 2020-21(Q4) 7771 7865 7756 7804 7655 RETAIL % 3571 3700 3908 2019-20(Q4) 3249 3338 2020-21(Q1) 51 54 2019-20(Q4) 2020-21
Slide 16: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) 6799 6738 6837 7122 7060 100% 1739 1803 1750 1676 1746 80% 1270 1329 1642 1782 1862 Retail 60% 1010 750 952 Gold 958 1005 40% 787 968 766 SME 704 799 Agri &Micro 20% 1993 1888 1946 1717 1710 Corporate 0% 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) 2020-21(Q3) 2020
Slide 17: Performance Highlights-CRAR
Performance Highlights-CRAR 16 14.41 13.94 13.72 14.16 14.47 14 12 10 10.69 10.99 10.71 10.62 11.31 8 Tier I 6 Tier II 4 2 3.72 3.23 3.1 3.17 3.16 0 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) 2020-21(Q3) 2020-21(Q4)
Slide 18: Business Result
Business Result For the Quarter ended Particulars 31.03.2020 31.12.2020 31.03.2021 Growth Growth% (Audited) (Reviewed) (Audited) (YOY) (YOY) Interest Income 242.93 237.36 212.77 -30.16 -12.42 Non Interest Income 38.05 48.85 29.41 -8.64 -22.71 Total Income 280.98 286.21 242.18 -38.80 -13.81 Interest
Slide 19: Business Result for the Quarter Ended
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 100 80 89 91 86 71 43 60 79 60 40 34 32 40 40 20 20 -4 0 0 31.03.2020 30.06.2020 30.09.2020 30.12.2020 31.03.2021 -20 31.03.2020 30.06.2020 30.09.2020 31.12.2020 31.03.2021 Non Interest Income Net Profit 100 15 14
Slide 20: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 2019-20(Q4) 86 100 90 2020-21(Q1) 79 80 70 89 91 71 86 79 60 2020-21(Q2) 89 50 40 30 20 2020-21(Q3) 91 10 0 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) 2020-21(Q3) 2020-21(Q4) 2020-21(Q4) 71 Net Interest Margin (%) N
Slide 21: Income and Margins
Income and Margins Rs (in Cr) 10.76 Yield on Advance 12 10.29 10.28 10 9.99 10.13 8 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 Cost Income Ratio 70.52 100 66.29 64.38 66.67 Income and Margins 77.69 0 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 5.70 5.73 Cost of Deposits 5.54 5.39 6 5 5.17 4 31.03
Slide 22: Asset Quality
Asset Quality Rs (in Cr) Particulars 31-03-2020 30.06.2020 30.09.2020 31.12.2020 31-03-2021 (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) Gross NPA ratio (%) 5.90 6.89 6.36 5.78 9.23 Net NPA ratio (%) 1.55 2.18 1.66 1.11 4.76 Provision Coverage ratio(%) 89.87 86.78 89.32 92.68 74.20 Gross Net
Slide 23: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet 31-03-2019 31-03-2020 31-03-2021 Particulars (Audited) (Audited) (Audited) CAPITAL & LIABILITIES Capital 253 253 253 Reserves and Surplus 508 574 611 Deposits 10603 10904 11712 Borrowings 200 178 150 Other Liabilities and Provisions 235 356 370 TOTAL 11799 12265
Slide 24: Way Forward
Way Forward • Increasing CASA with quality acquisition. Liability Strategy • Improve value of account through sale of other products • Growth in Retail Deposits. • Quality Advance Portfolio • Increasing Retail Advances including Housing Loan , Business Strategy Car Loan, Gold Loan and Loan against p
Slide 25: 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 26: Dhanlaxmi Bank
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