Dhanlaxmi Bank Ltd · NSE:DHANBANK

Dhanlaxmi Bank — Q2 FY2011 Earnings Presentation

17 slides from Dhanlaxmi Bank's earnings presentation, Oct 28, 2010

  1. Slide 1: Dhanlaxmi Bank

    DhanlaxmiBank £ established 1927 sex

  2. Slide 2: Financial Results for period ended September 30, 2010

    Financial Results for period ended September 30, 2010 October 28, 2010

  3. Slide 3: Snapshot for the quarter

    Snapshot for the quarter  Pan - India presence through a network of 273 branches and 445 ATMs covering 14 states  Total asset base of Rs. 114 billion as at Sept 30, 2010, increasing at a rapid pace of 73% (y-o-y)  Core Banking Solution mechanism upgraded to the latest version of FlexCube (2009 ve

  4. Slide 4: Financials - Q2 FY2011

    o Financials - Q2 FY2011 Dhanlaxm Ban

  5. Slide 5: Balance Sheet

    Balance Sheet (Rs. in Crores) Sept 30, 2010 June 30, 2010 Mar 31, 2010 Sept 30, 2009 Y-o-Y growth Capital 85 64 64 64 32.8% Reserves 743 382 376 377 97.1% Deposits 9,497 7,747 7,098 5,629 68.7% Borrowings 378 398 121 140 170.0% Other Liabilities 710 436 428 407 74.4% Total 11,413 9,027 8,087 6,618 7

  6. Slide 6: Deposits - Advances growth consistently better than the Industry

    Deposits - Advances growth consistently better than the Industry 90% 80% 76.3% 70% 60.7% 68.7% 56.6% 60% 52.7% 49.4% 50% 43.0% 42.8% 52.8% 40% 30.1% 30% 19.7% 15.1% 17.8% 17.1% 20% 19.1% 14.2% 17.0% 22.0% 10% 13.6% 13.0% 0% Sep-09 Dec-09 Mar-10 June-10 Sep-10 Bank Advances Bank Deposits Industry Dep

  7. Slide 7: Deposits

    Deposits (Rs. in Crores) Sep 30, 2010 June 30, 2010 Mar 31, 2010 Sep 30, 2009 Y-o-Y growth Current Deposits 841 585 564 445 89.0% Saving Deposits 1,206 1,071 988 800 50.8% CASA 2,047 1,656 1,552 1,245 64.4% CASA (%) 21.6% 21.4% 21.9% 22.1% - Term Deposits 7,450 6,091 5,546 4,384 69.9% Total 9,497 7,

  8. Slide 8: Business Mix

    Business Mix As at June 30, 2010 As at Sept 30, 2010 Retail MFI & Agri 18% Retail 5% 35% WBG 40% WBG TAG 58% 19% TAG 21% MFI & Agri 4% 8

  9. Slide 9: Profit and Loss Statement

    Profit and Loss Statement H1 - H1 - Q2 - Q2 - (Rs. in Crores) Y-o-Y growth Y-o-Y growth FY2011 FY2010 FY2011 FY2010 Interest income 360.4 244.3 47.5% 192.4 123.7 55.5% Interest expenses 259.3 186.8 38.8% 139.7 96.5 44.8% Net interest income 101.1 57.5 75.8% 52.7 27.2 93.8% Non Interest income 67.3 4

  10. Slide 10: Net Interest Income

    Net Interest Income H1 - H1 - Y-o-Y Q2 - Q2 - Y-o-Y (Rs. in Crores) FY2011 FY2010 growth FY2011 FY2010 growth Interest income 360.4 244.3 47.5% 192.4 123.7 55.5% from Advances 269.0 196.0 37.2% 142.1 100.5 41.4% from Investments 88.1 42.8 105.8% 48.6 23.0 111.3% Others 3.3 5.5 (40.0)% 1.7 0.2 750.0%

  11. Slide 11: Trend in Net Interest Income

    Trend in Net Interest Income 250 200 192.4 168.0 150.5 150 139.8 123.7 139.7 120.5 119.5 100.7 106.6 96.5 100 90.2 43.9 48.5 50 39.2 52.7 30.3 27.2 0 Q1 - FY2010 Q2 - FY2010 Q3 - FY2010 Q4 - FY2010 Q1 - FY2011 Q2 - FY2011 Interest Income Interest Expenses Net Interest Income 11

  12. Slide 12: Trend in Operating Expenses

    Trend in Operating Expenses 90 80 77 70 70 64 28 60 53 (Rs. in Crores) 30 50 29 44 40 23 31 32 18 29 30 28 25 13 14 14 49 12 20 12 40 35 30 26 10 16 17 17 18 13 0 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Staff Cost Others 12

  13. Slide 13: Trend in Net Interest Margin

    Trend in Net Interest Margin 12% 10.6% 10.4% 9.9% 10.0% 10% 9.3% 8% 6.9% 6.4% 6.4% 6.6% 6% 6.2% 4% 2.5% 2.7% 2.6% 1.9% 2.4% 2% 0% Q2 - FY2010 Q3 - FY2010 Q4 - FY2010 Q1 - FY2011 Q2 - FY2011 Yield on Advances Cost of Funds NIM 13

  14. Slide 14: Key Ratios (%)

    Key Ratios (%) H1 - FY2011 H1 - FY2010 Q2 - FY2011 Q2 - FY2010 FY2010 Cost / Income ratio 87.41 75.82 86.52 79.71 83.29 Credit - Deposit ratio 74.31 71.09 74.31 71.09 70.53 Return on Equity 1.84 7.41 0.78 5.70 5.30 Return on Assets 0.26 0.54 0.20 0.50 0.35 Sept 30, 2010 June 30, 2010 Mar 31, 2010 De

  15. Slide 15: Asset Quality

    Asset Quality 2.5% 1.99% 2.0% 1.92% 1.73% 1.76% 1.54% 1.41% 1.5% 1.26% 0.96% 0.89% 1.0% 0.88% 0.86% 0.84% 0.76% 0.71% 0.5% 0.0% Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 June-10 Sep-10 Net NPA Ratio Gross NPA Ratio 15

  16. Slide 16: Over 44,000 shareholders form part of the Dhanlaxmi family

    Over 44,000 shareholders form part of the Dhanlaxmi family Shareholding Pattern as at September 30, 2010 Banks / Financial Others * Institutions 8.0% 0.2% Non Resident Resident Indians Individuals 4.6% 33.3% Corporate Bodies 15.3% Foreign Institutional Investors 38.6% * Includes insurance companies,

  17. Slide 17: Thank You

    Thank You Dhanlaxm Bank (

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