Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2018)
32 slides from Dhanlaxmi Bank's investor presentation, March 2018
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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 90 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, banking ex
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 Experience & Other Directorships
Profile of Board Name of Directors 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 large Sajeev Krishnan 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 Calicut University in Dr. Lakshmy Devi K.R Independent Director 1986. Her post doctoral experience includes
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr.Arun Rao M.G is a Practicing Company Secretary with more than 5 years of experience in Company Secretarial Practice and Corporate Laws. He is Mr.Arun Rao M.G an Associate Member of the Institute of Company Secretaries of India. H
Slide 9: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. E. Madhavan Mr. E Madhavan has been appointed as Additional Director by Reserve RBI Additional Director Bank of India for a period of 2 years w.e.f May 11, 2017 to May 10, 2019 or till further orders of RBI. Ms. N.Sara Rajendra
Slide 10: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 36 years in banking sector Mr. P. Manikandan Experience of 10 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Chief General Manager Third Party Products, Premises and Cash Management System areas of the Bank. He hol
Slide 11: Profile of Senior Management
Profile of Senior Management Name Experience • 38 years of Banking Experience. Mr. Muraleedharan M • In charge of various Regional Offices of the Bank in various locations ,in the capacity of Regional Head and Zonal Head. Chief Recovery Officer • Well experienced in Credit and Recovery functions of
Slide 12: Overview of Distribution Network
Overview of Distribution Network 12% 4% 5% 9% 56% 14% Kerala Tamil Nadu Maharashtra Karnataka Andhra Pradesh Others 12
Slide 13: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on March 31, 2018) Share Holder % Stake B RAVINDRAN PILLAI 9.9995 GOPINATHAN C K 7.4898 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . 4.9997 KAPILKUMAR WADHAWAN 4.9996 NICHE FINANCIAL SERVICES PVT LTD 4.9741 NRI CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE C
Slide 14: 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 Missed Call Services Saving
Slide 15: Bank at a Glance
Bank at a Glance No : Branches 258 No : ATMs 346 Deposit (Rs. in Crore) 10920 Advances(Gross) (Rs. in Crore) 6387 Total Business (Rs. in Crore) 17307 Total Assets (Rs. in Crore) 12286 * As on 31.03.2018 15
Slide 16: Performance Overview
Performance Overview Operating Profit improved by 49.81% from Rs.96.37 crore to Rs.146.18 crore Total expenses declined by 12.15% from Rs.1103.71crore to 969.60crore Interest expenditure declined by 11.87% from 757.46 crore to Rs.667.52 crore Net interest income grew by 4.28 % from Rs.331.60 crore t
Slide 17: Performance Highlights
Performance Highlights FY16(YTD) FY17(YTD) FY18(YTD) PARTICULARS (Rs in Crore) (Rs in Crore) (Rs in Crore) Net Profit (209.45) 12.38 (24.87) Advances 7218 6596 6387 Deposits 11354 11294 10920 GNPA% 6.36 4.78 7.35 NNPA% 2.78 2.58 3.19 NIM % 2.47 2.76 2.90 ROA % (1.61) 0.10 (0.20) ROE % (41.23) 1.89 (
Slide 18: Performance Highlights
Performance Highlights 31.03.16 31.03.17 31.03.18 PARTICULARS (Audited) (Audited) (Audited) Market Capitalization (in crore) 349 623 541 Book Value Per Share 29 31 29 CRAR Basel III % 7.51 10.26 13.87 18
Slide 19: Performance Highlights
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % 11294 11072 10998 11061 10920 CASA% 30.61 30.80 30.21 30.35 29.44 2017-Q4 2018-Q1 2018-Q2 2018-Q3 2018-Q4 Retail % 45.92 45.71 45.47 45.27 45.18 2017-Q4 2018-Q1 2018-Q2 2018-Q3 2018-Q4 CASA TD 2017-Q4 2018-Q1 2018-Q2 2018-Q3 201
Slide 20: Advance Portfolio
Advance Portfolio Rs.in Cr. Gross Advance Corporate 6596 6298 6369 6409 6387 Agri& Micro 13.93% Retail 36.66% 858 874 890 12.66% 1098 979 797 831 784 808 852 SME 23.28% 13.47% Gold 1578 1650 1604 1487 1705 Segmentwise Movement 743 795 827 860 787 47.57 48.46 50.13 44.59 46.74 2154 2201 2235 2320 234
Slide 21: Performance Highlights-CRAR
Performance Highlights-CRAR 13.87 12.01 11.62 11.15 3.27 10.26 0.90 0.78 0.72 1.25 11.11 10.84 10.43 10.6 9.01 2017-Q4 2018-Q1 2018-Q2 2018-Q3 2018-Q4 Tier I Tier II Capital Infusion in FY 2017-2018 –Rs. 2700Mn 21
Slide 22: Business Result
Business Result Particulars 31.03.2016 (Audited) 31.03.2017 (Audited) 31.03.2018 (Audited) Interest Income 1204.27 1089.06 1013.31 Non Interest Income 76.72 111.02 102.47 Total Income 1280.99 1200.08 1115.78 Interest Expenses 899.59 757.46 667.52 Operating Expenses 378.12 346.25 302.08 Total Expense
Slide 23: Business Result
Business Result Net Interest Income 200 Operating Profit 346 146 350 332 305 96 300 100 250 3 31.03.2016 31.03.2017 31.03.2018 0 31.03.2016 31.03.2017 31.03.2018 Non Interest Income Net Profit 200 200 12.38 111 102 0 100 77 31.03.2016 31.03.2017 31.03.2018 -24.87 -200 0 -209.45 31.03.2016 31.03.2017
Slide 24: Business Results - Non Interest Income
Business Results - Non Interest Income For the Year Ended Particulars 31.03.2018 31.03.2016 (Audited) 31.03.2017 (Audited) (Audited) Commission, Exchange and Brokerage 5.94 5.43 5.08 Profit/(Loss) on sale of Investments (Net) 4.94 34.56 10.84 Profit on sale of land, building and other Assets (Net) 0
Slide 25: Income and Margins
Income and Margins DhanlaxmiBank ¢
Slide 26: Income and Margins
Income and Margins Net Interest Income -Quarter Q4 FY17 85 Net Interest Income - Quarter Q1 FY18 85 100 91 Q2 FY18 91 85 85 84 86 Q3 FY18 84 80 Q4 FY18 86 Q4 FY 17 Q1 FY 18 Q2 FY 18 Q3 FY 18 Q4 FY 18 Net Interest Margin (%) Net Interest Margin (%) Q4 FY17 2.76 2.84 2.93 2.89 2.9 3 Q1 FY18 2.84 2.47
Slide 27: Income and Margins
Income and Margins Yield on Advance 12 11 11.49 11.28 11.13 Yield on Advance 10 31.03.2016 31.03.2017 31.03.2018 Cost of Deposits 10 5 7.38 6.48 5.84 Cost of Deposits 0 31.03.2016 31.03.2017 31.03.2018 Cost Income Ratio 200 100 99.14 78.15 Cost Income 0 67.39 Ratio 31.03.2016 31.03.2017 31.03.2018 2
Slide 28: Asset Quality
Asset Quality 31.03.16 31.03.17 31.03.18 Particulars (Audited) (Audited) (Audited) Gross NPA ratio (%) 6.36 4.78 7.35 Net NPA ratio (%) 2.78 2.58 3.19 Provision Coverage ratio(%) 75.67 79.99 80.02 Gross Net NPA Ratio(%) Provision Coverage Ratio(%) NPA Ratio(%) 3.5 81 8 3 80 3.19 80.02 7 7.35 2.5 79
Slide 29: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet As at As at As at Particulars March 2016 (Audited) March 2017 (Audited) March 2018 (Audited) CAPITAL AND LIABILITIES Capital 177 210 253 Reserves and Surplus 330 445 496 Deposits 11354 11294 10920 Borrowings 252 145 392 Other Liabilities and Provisions 349 239 2
Slide 30: 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 31: 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 32: Dhanlaxmi Bank
Dhanlaxmi Bank established 1927