Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — H1 FY2021 Earnings Presentation
24 slides from Dhanlaxmi Bank's earnings presentation, September 2020
Slide 1: Investor Presentation September 2020
INVESTOR PRESENTATION September -2020 Dhanlaxmi
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. 518 touch points including 245 branches, 256 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customizing servi
Slide 3: Key Milestone
Key Milestone 2020: Highest ever profit of Rs 65.78Crs , Consistent profit for Last eight Quarters ,Capital adequacy Ratio reaching a high of 14.41% 2013 to 2018 :Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / Qualified Institutional Placement as Equity /Ti
Slide 4: 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 5: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Dr. (Capt.) Suseela Menon R Dr. (Capt.) Suseela Menon R is a post graduate in commerce and holds a doctorate in Economics. She has more than 21 years of experience as faculty of Commerce, Management Accounting, Cost Accounting, Fina
Slide 6: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 33 years in banking sector. Worked in SBI/SBT in various areas like Finance & Accounts Mr. Ramesh AJ ,Large Value Credit intensive branches etc. Chief Financial Officer He holds a degree in chemistry and is also a Certified Associa
Slide 7: 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 Chief Recovery Officer areas. A post graduate in Science, he holds an MBA (Finance)a
Slide 8: Overview of Distribution
Overview of Distribution “Over 518 touch points including 245 branches, 256 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customizing services and personalizing relations” 8
Slide 9: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on September 30, 2020 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 3.122
Slide 10: 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 11: Performance Overview
Performance Overview Y-O-Y Comparison Q2 net profit Rs. 14.01 Crs Vis a Vis Rs. 6.09 Crs in the Q1 of FY 21. Total business Rs. 18496 Crs as on 30.09.2020 Vis a Vis Rs. 17427 Crs as on 30.09.2019 (Growth of 6.13%). Deposits Rs.11436 Crs as on 30.09.2020 as against Rs. 10685 Crs as on 30.09.201
Slide 12: Performance Highlights
Performance Highlights Particulars 30-09-2019 31-03-2020 30-06-2020 30-09-2020 (Reviewed) (Audited) (Reviewed) (Reviewed) Gross Advances (in crore) 6742 6799 6738 7060 Deposits (in crore) 10685 10904 11109 11436 GNPA% 7.06 5.90 6.89 6.36 NNPA% 1.65 1.55 2.18 1.66 NIM % 3.31 3.21 2.77 2.88 ROA % 0.71
Slide 13: Performance Highlights (Deposits, CASA)
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA % CASA TD 2019-20(Q2) 31 32 2019-20(Q4) 11436 10904 11109 10685 2020-21(Q1) 30 30 2020-21(Q2) 7263 7655 7771 7865 RETAIL % 3422 3249 3338 3571 2019-20(Q2) 53 53 2019-20(Q4) 2019-20(Q2) 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) 20
Slide 14: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) 6742 6799 6738 7060 100% 1865 1739 1803 1750 80% 1159 1270 1329 1646 Retail 60% 1106 1010 968 952 Gold 40% 759 787 750 766 SME Agri &Micro 20% 1853 1993 1888 1946 Corporate 0% 2019-20(Q2) 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) Corporate SME Agri & MFI (exclud
Slide 15: Performance Highlights-CRAR
Performance Highlights-CRAR 16 13.77 14.41 13.94 13.72 14 12 10 10.53 10.69 10.71 10.62 8 6 Tier I 4 Tier II 2 3.24 3.72 3.23 3.10 0 2019-20(Q2) 2019-20(Q4) 2020-21(Q1) 2020-21(Q2)
Slide 16: Business Result
Business Result Year For the quarter ended For the Half Year ended Ended YOY Growth Particulars 31.03.202 Growth 30.09.2019 30.06.2020 30.09.2020 30.09.2019 30.09.2020 (YOY) 0 % (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) Interest Income 253.34 236.65 243.97 493.77 480.62 987.59
Slide 17: Business Result for the Quarter Ended
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 47.45 39.79 43.11 200 50 33.87 100.65 85.54 79.06 88.67 100 0 0 30.09.2019 31.03.2020 30.06.2020 30.09.2020 30.09.2019 31.03.2020 30.06.2020 30.09.2020 Non Interest Income Net Profit 60 30 41.97 22.07 40 20 14.01 3
Slide 18: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 2019-20(Q2) 100.65 120 100 80 100.65 2019-20(Q4) 85.54 60 85.54 79.06 88.67 40 2020-21(Q1) 79.06 20 0 2020-21(Q2) 88.67 2019-20(Q2) 2019-20(Q4) 2020-21(Q1) 2020-21(Q2) Net Interest Margin (%) Net Interest Mar
Slide 19: Income and Margins
Income and Margins Rs (in Cr) 12 10.68 Yield on Advance 10.28 10.13 10 10.91 8 30.09.19 31.03.20 30.06.20 30.09.20 Cost Income Ratio 66.80 66.67 66.67 70 64.38 65 Income and Margins 60 30.09.2019 31.03.2020 30.06.2020 30.09.2020 Cost of Deposits 6 5.55 5.60 5.43 5.58 5.5 5 30.09.2019 31.03.2020 30.0
Slide 20: Asset Quality
Asset Quality Rs (in Cr) Particulars 30-09-2019 31-03-2020 30-06-2020 30-09-2020 (Reviewed) (Audited) (Reviewed) (Reviewed Gross NPA ratio (%) 7.06 5.90 6.89 6.36 Net NPA ratio (%) 1.65 1.55 2.18 1.66 Provision Coverage ratio(%) 89.16 89.87 86.78 89.32 Gross NPA Ratio(%) 3 Net NPA Ratio(%) 95 Pro vi
Slide 21: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet 30.09.2019 31.03.2020 30.06.2020 30.09.2020 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 253 Reserves and Surplus 550 574 580 594 Deposits 10685 10904 11109 11436 Borrowings 183 178 178 150 Other Liabilities
Slide 22: Way Forward: Profitability Approach
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA with quality acquisition. • Improve value of account • Quality Advance Portfolio • Increasing Retail Advances including Housing Loan , Business Strategy Car Loan, Gold Loan and Loan against property. • Lending based on
Slide 23: 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 24: Dhanlaxmi Bank
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