Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2019 Earnings Presentation
30 slides from Dhanlaxmi Bank's earnings presentation, January 2019
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank t
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 91 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, bank
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
Profile of Board of Directors Name 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 Sajeev Krishnan large 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 Dr. Lakshmy Devi K.R Independent Director Calicut University in 1986. Her post doctoral experience includes
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. K.N Murali had worked in State Bank of Travancore, State Bank of Saurashtra and State Bank of Hyderabad in various positions across the country. He had handled credit, inspection and audit. As K.N Murali General Manager (Commerc
Slide 9: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr .S. T. Kannan has been appointed as Additional Director on the S T Kannan Board by Reserve Bank of India. He is a serving General Manager in RBI Additional Director the Reserve Bank of India, and in charge of Reserve Bank India,
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, Third Party Products, Premises and Cash Management System areas Chief General Manager of the Bank.
Slide 11: Profile of Senior Management
Profile of Senior Management Name Experience 38 years of Banking Experience. In charge of various Regional Offices of the Bank in various locations ,in Mr. Muraleedharan M the capacity of Regional Head and Zonal Head. Head Inspection Well experienced in Credit and Recovery functions of the Ban
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 December 31, 2018) Share Holder % Stake B RAVINDRAN PILLAI 9.9995 GOPINATHAN C K 7.4956 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . 4.9996 KAPILKUMAR WADHAWAN 4.9996 NICHE FINANCIAL SERVICES PVT LTD 4.9740 3.2480 VESPERA FUND LIMITED Individual NRI 32
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 Mutual Fund Missed Call Ser
Slide 15: Bank at a Glance
Bank at a Glance No : Branches 250 No : ATMs 346 Deposit (Rs. in Crore) 10725 6265 Advances(Gross) (Rs. in Crore) 16990 Total Business (Rs. in Crore) 11906 Total Assets (Rs. in Crore) * As on 31.12.2018 15
Slide 16: Performance Overview
Performance Overview Net profit of Rs. 16.90 crore for the Quarter ended 31.12.2018 compared to net Loss of Rs. 21.74 crore during the same period of last financial year. Operating expense has been reduced by 6 % on Y-o-Y basis (Rs.249.63 Cr to Rs.234.34 Cr.) Total expenses has been reduced by
Slide 17: Performance Highlights
Performance Highlights Particulars 31-12-2017 31-03-2018 31-12-2018 (Reviewed) (Audited) (Reviewed) Gross Advances (in crore) 6409 6387 6265 Deposits (in crore) 11061 10920 10725 GNPA% 6.96 7.35 8.11 NNPA% 4.08 3.19 2.93 NIM % 2.89 2.90 2.97 ROA % (0.08) (0.20) (0.18) ROE % (1.34) (3.32) (2.89) Cost
Slide 18: Performance Highlights - Deposits and CASA
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % 12000 11061 10920 10817 10725 CASA % 10000 17-Dec 31 30 18-Mar 8000 7704 7557 7410 7409 31 31 18-Sep 6000 18-Dec TD 4000 CASA RETAIL % 2000 3357 3363 3407 3316 17-Dec 0 46 45 18-Mar 46 45 18-Sep 18-Dec 18
Slide 19: Advance Portfolio
Gross Advance Advance Portfolio Rs.in Cr. Corporate 6409 6387 6257 6265 874 890 571 714 784 808 799 734 Agri & Micro 1604 1487 1506 1325 SME 903 931 906 935 Gold 2244 2271 2475 2557 Retail 2018-Q3 2018-Q4 2019-Q2 2019-Q3 Corporate 11% Retail 12% Agri& 41% Micro 21% SME 15% Gold 19
Slide 20: Performance Highlights-CRAR
Performance Highlights-CRAR 16 13.87 14.16 13.52 14 11.15 3.27 3.48 12 3.26 0.72 10 8 Tire II Tire I 6 10.43 10.60 10.68 10.26 4 2 0 Dec 2017 Mar 2018 Sep 2018 Dec 2018 20
Slide 21: Business Result
Business Result (` in Crore) For the Quarter ended For 9 months ended Year Ended Particulars 31.12.17 31.12.18 31.12.17 31.12.18 31.03.2018 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) TOTAL INCOME 270.11 272.16 839.65 755.25 1115.79 TOTAL EXPENSE 243.44 235.09 756.43 704.21 969.61 NET INTE
Slide 22: Business Result for the Quarter Ended
Business Result for the Quarter Ended (` in Crore) Operating Profit Net Interest Income 83.73 87.43 91.21 37.07 100 50 26.67 -6.04 80 0 -50 31.12.17 30.09.18 31.12.18 60 31.12.2017 30.09.2018 31.12.2018 Non Interest Income 50 Net Profit 40 12.15 16.90 20 21.69 27.07 0 0 (21.74) 31.12.2017 30.09.2018
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Slide 24: Income and Margins
Income and Margins (in crore) Net Interest Income Net Interest Income for the Quarter Ended 95 Dec 2017 83.74 90 Net Interest Mar 2018 85.72 85 Margin Sep 2018 87.43 80 Dec 2018 91.21 Net Interest Margin Net Interest Margin (%) 3 Dec 2017 2.89 2.9 Mar 2018 2.90 Net Interest 2.8 Margin % Sep 2018 2.8
Slide 25: Income and Margins
Income and Margins Yield on Advance 12 11.22 11.13 10.53 Yield on Advance 10 10.46 31.12.2017 31.03.2018 30.06.2018 31.12.2018 5.9 5.84 Cost of Deposits 5.55 5.54 6 5 Cost of Deposits 31.12.2017 31.03.2018 30.09.2018 31.12.2018 Cost Income Ratio 100 82.11 75 67.39 91.64 Cost Income Ratio 0 31.12.201
Slide 26: Asset Quality
Asset Quality Particulars 31-12-2017 31-03-2018 30-09-2018 31-12-2018 (Reviewed) (Audited) (Audited) (Reviewed) Gross NPA ratio (%) 6.96 7.35 7.81 8.11 Net NPA ratio (%) 4.08 3.19 2.92 2.93 Provision Coverage 73.49 80.02 82.50 82.75 ratio(%) Gross 6 Net NPA Ratio(%) 85 Provision Coverage Ratio(%) 8.
Slide 27: Summary of Financials - Balance Sheet
Summary of Financials – Balance Sheet Particulars 31-12-2017 31-03-2018 31-12-2018 (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 514 496 480 Deposits 11061 10920 10725 Borrowings 344 392 200 Other Liabilities and Provisions 240 225 248 TOTAL 12412 1
Slide 28: Way Forward: Profitability Approach
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 29: 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 30: Dhanlaxmi Bank
Dhanlaxmi Bank established 1927