Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — H1 FY2017 Earnings Presentation
23 slides from Dhanlaxmi Bank's earnings presentation, September 2016
Slide 1: Investor Presentation September 2016
Investor Presentation September - 2016
Slide 2: Contents
Contents Vision & Mission Profile of Board of Directors Share Holding Pattern Profile of Key management personnel Bank at a Glance Performance Overview Performance Highlights Business Results Income & Margins Asset Quality Balance Sheet comparison
Slide 3: 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.
Slide 4: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships He carries with him 36 years of experience in banking and higher education. He served the Reserve Bank of India for 17 years in various departments including Part-time Currency, Accounts, Bank Examination and Regulation
Slide 5: Profile of Board of Directors
Profile of Board of Directors Name Designation 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 1986. Her Dr. Lakshmy Devi K.R Independent Director post doctoral experie
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Mr. Susobhan Sinha, General Manager (Department of Non Banking Supervision, Reserve Bank of India – Bengaluru), is an Additional Director on Additional Director the Board as RBI nominee. Mr. Susobhan Sinha Mr. S. T Kanna
Slide 7: Shareholding pattern
Shareholding pattern FII Shareholding 1% and above (As on September 30, 2016) Corporates Share Holder % Stake NRI B RAVINDRAN PILLAI 10.00 Individuals GOPINATHAN C K 6.97 FII 17% KAPILKUMAR WADHAWAN 4.99 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 4.22 SHITAL RAGHU KATARIA 3.17 Corporates 10% P RAJA MOHA
Slide 8: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Experience of 36 years in banking sector Experience of 10 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Third Chief General Mr. P. Manikandan Party Products, Premises and Cash Management System areas of the Bank
Slide 9: Profile of Senior Management
Profile of Senior Management Name Designation Experience Experience of 36 years with Dhanlaxmi Bank. Chief Credit Officer Currently he is the officiating Chief Credit Officer of the Bank Mr. Ajith Prasad G.S (Officiating) Experience in Branch Banking, Operations and Credit functions of the Ban
Slide 10: Bank at a Glance
Bank at a Glance No : Branches 280 No : ATMs 373 Deposit (Rs. in Crore) 11208 Advances(Gross) (Rs. in Crore) 7002 Total Business (Rs. in Crore) 18210 Total Assets (Rs. in Crore) 12209
Slide 11: Performance Overview
Performance Overview Operating Performance marked improvement Improved NIM Improved Cost Income Ratio Improved Interest Spread Improved ROE and ROA
Slide 12: Performance Highlights
Performance Highlights Q2-FY16(YTD) Q2-FY17(YTD) PARTICULARS (Rs in Crore) (Rs in Crore) Net Profit (22) 12 Advances 7175 7002 Deposits 12020 11208 GNPA% 8.75% 6.86% NNPA% 4.14% 2.52% NIM % 2.43% 2.81% ROA % (0.34) 0.19 ROE % (6.33) 3.89 CASA to Total Deposits 23% 27%
Slide 13: Performance Highlights
Performance Highlights 30.9.15 31.03.16 30.9.16 PARTICULARS (Reviewed) (Audited) (Reviewed) Market Capitalization (in crore) 491 349 499 Book Value Per Share 39 29 29 CRAR Basel III % 9.69 7.51 9.03
Slide 14: Business Result
Business Result For the Half Year ended Year Ended Particulars 30.09.2015 30.09.16 31.03.16 (Reviewed) (Reviewed) (Audited) Interest Income 618 554 1,204 Interest Expenses 464 383 899 Net Interest Income 154 171 305 Non Interest Income 36 60 77 Operating Expenses 172 186 378 Operating Profit 18 45 4
Slide 15: Business Result
Business Result Net Interest Income Operating Profit 350 50 45 300 40 250 35 200 30 25 150 Net Interest Income Operating Profit 20 100 15 50 10 5 0 0 30.09.2015 30.09.16 31.03.16 30.09.2015 30.09.16 31.03.16 (Reviewed) (Reviewed) (Audited) (Reviewed) (Reviewed) (Audited) Non Interest Income Net Prof
Slide 16: Business Results-Non Interest Income
Business Results-Non Interest Income For the Half Year ended Year Ended Particulars 30.09.2015 30.09.16 31.03.16 (Reviewed) (Reviewed) (Audited) Commission, Exchange and Brokerage 3 3 6 Profit/(Loss) on sale of Investments 3 27 5 (Net) Profit on sale of land, building and 0 0 0 other Assets (Net) Pr
Slide 17: Income and Margins
Income and Margins
Slide 18: Income and Margins
Income and Margins Net Interest Income -Quarter Q2 FY16 71 100 80 Q3 FY16 68 60 Q4 FY16 82 Net Interest Income 40 82 86 84 71 68 Q1 FY17 86 20 0 Q2 FY 17 84 Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Q 2 FY 17 Net Interest Margin (%) Q2 FY16 2.43 3.5 3 Q3 FY16 2.33 2.5 2 Q4 FY16 2.47 1.5 2.87 Net Interest Marg
Slide 19: Income and Margins
Income and Margins Cost Income Ratio Q2 FY16 90.28 Q3 FY16 96.88 Q4 FY16 99.14 Q1 FY17 90.23 Q2 FY 17 80.64 120 100 80 60 Cost Income Ratio 90.28 96.88 99.14 90.23 40 80.64 20 0 Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Q2 FY17
Slide 20: Asset Quality
ASSET QUALITY 30.9.16 30.9.15 31.03.16 Particulars (Reviewed (Reviewed) (Audited) ) Gross NPA ratio (%) 8.75 6.36 6.86 Net NPA ratio (%) 4.14 2.78 2.52 Gross NPA ratio (%) Net NPA ratio (%) 10 4.5 9 4 8 3.5 7 3 6 2.5 5 Gross NPA ratio 2 4 Net NPA ratio (%) (%) 1.5 3 2 1 1 0.5 0 0 (Reviewed) (Audited
Slide 21: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet As at As at As at Sept 2015 March 2016 Sept 2016 (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 177 177 210 Reserves and Surplus 524 331 393 Deposits 12020 11354 11208 Borrowings 204 252 164 Other Liabilities and Provisions 227 349 234 TOTAL 131
Slide 22: 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 23: Thank You
THANK YOU Dhanlaxmi