Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q2 FY2010 Earnings Presentation
9 slides from Dhanlaxmi Bank's earnings presentation, October 2009
Slide 1: Dhanalakshmi Bank Limited
Dhanalakshmi Bank Limited October 2009
Slide 2: Key Details - as at September 30, 2009
Key Details - as at September 30, 2009 73 ATMs 207 CRAR Branches 14.93% 2.12% NIM 100% Net NPA CBS 0.86% 2,162 employees
Slide 3: Financial Information
Financial Information
Slide 4: Financial Result (Q2 2009-10)
Financial Result (Q2 2009-10) Rs. in crores Y-o-Y H1 - H1 - Y-o-Y Particulars Q2 - 2010 Q2 - 2009 growth 2010 2009 growth Interest Income 123.7 96.2 29% 244.3 181.8 35% Non Interest Income 27.4 11.9 131% 42.4 26.3 61% Total Income 151.1 108.1 40% 286.7 208.1 39% Interest Expenses 96.5 65.8 47% 186.8
Slide 5: Performance Ratios
Performance Ratios Particulars Sept 30, 2009 June 30, 2009 Mar 31, 2009 Sept 30, 2008 Capital Adequacy Ratio Basel I (%) 14.93 13.38 14.44 15.56 Basel II (%) 15.90 14.14 15.38 - Gross NPAs (Rs. in cr.) 70.26 67.96 64.43 64.32 Net NPAs (Rs. in cr.) 34.43 33.70 28.24 22.68 Gross NPA Ratio (%) 1.73 1.9
Slide 6: Credit - Deposit Growth
Credit - Deposit Growth Rs. in crores Sept 30, June 30, Mar 31, Sept 30, Y-O-Y Particulars 2009 2009 2009 2008 growth CASA 1,244.9 1,126.0 1,207.6 1,209.5 3% CASA (%) 22% 22% 24% 31% - Term Deposits 4,384.6 3,944.6 3,761.1 2,726.8 61% Total Deposits 5,629.4 5,070.6 4,968.8 3,936.2 43% Total Advances
Slide 7: Qualitative comments
Qualitative comments • Issued Rs.150 crores of Tier II capital @ 10.30% p.a. and maturity of 67 months to high networth NRIs • Rolled out project based lending to SHG members for Mini-Dairies/ Rural Housing • New micro-insurance product from Bajaj for Life as well as General Insurance • Launched int
Slide 8: Shareholding Pattern
Shareholding Pattern September 30, 2009 June 30, 2009 Stakeholders Shares in % Shares in % million million Resident Individuals 27.9 43.55 29.1 45.38 Foreign Institutional Investors 14.9 23.30 14.8 23.04 Corporate Bodies 15.0 23.34 13.3 20.72 Non Resident Indians 3.5 5.46 3.5 5.47 Banks / Financial
Slide 9: Thank You
Thank You