Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2021 Earnings Presentation
25 slides from Dhanlaxmi Bank's earnings presentation, December 2020
Slide 1: Investor Presentation December-2020
INVESTOR PRESENTATION December-2020 1 DhanlaxmiBank { established 1927
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 Mr G. Subramonia Iyer, agriculture graduate, has an experience of more than 36 years in banking at Mr. G Subramonia Iyer various levels and had retired as Executive Director of Uco Bank. He was in-charge of operational heads of Trea
Slide 5: 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 6: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. G Rajagopalan Nair Mr. G. Rajagopalan Nair , a post graduate in Electronics and Communication. has an experience of 21 years in banking and 23 years in banking related Information Technology and Fintech companies. He had retired
Slide 7: 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 ,Large Value Credit Mr. Ramesh AJ intensive branches etc. Chief Financial Officer He holds a degree in chemistry and is also a Certified Asso
Slide 8: 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 9: 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” 9
Slide 10: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on December 31, 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 11: 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 12: Performance Overview
Performance Overview Y-O-Y Comparison Continuous 10th Quarter Profit ,Q3 net profit Rs 11.81 Crores Total business Rs. 18293 Crs as on 31st December 2020. (Growth of 3.40%.) CASA to Total deposits ratio 32.30%. Retail advance grew by 13.19 % to reach Rs. 3458 Crs as on 31.12.2020 Gold Loan
Slide 13: Performance Highlights
Performance Highlights Particulars 31-12-2019 31-03-2020 30-09-2020 31-12-2020 (Reviewed) (Audited) (Reviewed) (Reviewed) Gross Advances (in crore) 6878 6799 7060 6837 Deposits (in crore) 10813 10904 11436 11456 GNPA% 7.13 5.90 6.36 5.78 NNPA% 1.62 1.55 1.66 1.11 NIM % 3.31 3.21 2.88 2.95 ROA % 0.71
Slide 14: Performance Highlights - Deposits
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA % CASA TD 2019-20(Q3) 32 30 2019-20(Q4) 11456 10904 11436 10813 2020-21(Q2) 30 31 2020-21(Q3) 7530 7655 7865 7756 RETAIL % 3283 3249 3571 3700 2019-20(Q3) 52 54 2019-20(Q4) 2019-20(Q3) 2019-20(Q4) 2020-21(Q2) 2020-21(Q3) 20
Slide 15: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) 6878 6799 7060 6837 100% 1856 1739 1750 1676 80% 1199 1270 1646 1782 Retail 60% 1070 1010 952 Gold 958 40% 759 787 766 SME 704 Agri &Micro 20% 1994 1993 1946 1717 Corporate 0% 2019-20(Q3) 2019-20(Q4) 2020-21(Q2) 2020-21(Q3) Corporate SME Agri & MFI (exclud
Slide 16: Performance Highlights-CRAR
Performance Highlights-CRAR 16 13.55 14.41 13.72 14.16 14 12 10 10.36 10.69 10.62 10.99 8 6 Tier I 4 Tier II 2 3.19 3.72 3.1 3.17 0 2019-20(Q3) 2019-20(Q4) 2020-21(Q2) 2020-21(Q3)
Slide 17: Business Result
Business Result Year For the quarter ended For Nine Months ended Ended Growth YOY Particulars 31.12.2019 30.09.2020 31.12.2020 31.12.2019 31.12.2020 31.03.2020 (YOY) Growth% (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) Interest Income 251 244 237 745 718 988 (27) (3.62) Interest
Slide 18: Operating Profit
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 97 46 40 100 34 89 91 50 32 90 86 80 0 31.12.2019 31.03.2020 30.09.2020 31.12.2020 31.12.2019 31.03.2020 30.09.2020 31.12.2020 Non Interest Income Net Profit 60 49 25 14 20 21 40 35 38 15 12 20 10 21 5 0 3 0 31.12.
Slide 19: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 2019-20(Q3) 97 98 96 94 97 92 2019-20(Q4) 86 90 88 91 86 89 2020-21(Q2) 89 84 86 82 80 2020-21(Q3) 91 2019-20(Q3) 2019-20(Q4) 2020-21(Q2) 2020-21(Q3) Net Interest Margin (%) Net Interest Margin 2019-20(Q3) 3.
Slide 20: Income and Margins
Income and Margins Rs (in Cr) 10.76 Yield on Advance 11 10.29 10.28 10 10.91 9 31.12.19 31.03.20 30.09.20 31.12.20 Cost Income Ratio 80 66.67 70.52 66.29 70 60 Income and Margins 66.67 31.12.2019 31.03.2020 30.09.2020 31.12.2020 5.73 Cost of Deposits 6 5.70 5.39 5.54 5 31.12.2019 31.03.2020 30.09.20
Slide 21: Asset Quality
Asset Quality Rs (in Cr) Particulars 31-12-2019 31-03-2020 30-09-2020 31-12-2020 (Reviewed) (Audited) (Reviewed) (Reviewed Gross NPA ratio (%) 7.13 5.90 6.36 5.78 Net NPA ratio (%) 1.62 1.55 1.66 1.11 Provision Coverage ratio(%) 89.31 89.87 89.32 92.68 Gross 8 NPA Ratio(%) 2 Net NPA Ratio(%) 1.11 10
Slide 22: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet 31-12-2019 31-03-2020 30-09-2020 31-12-2020 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 253 Reserves and Surplus 571 574 594 606 Deposits 10813 10904 11436 11456 Borrowings 178 178 150 150 Other Liabilities
Slide 23: 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 24: 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 25: DhanlaxmiBank
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