Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — H1 FY2021-22 Earnings Presentation
25 slides from Dhanlaxmi Bank's earnings presentation, September 2021
Slide 1: Investor Presentation September 2021
INVESTOR PRESENTATION September 2021
Slide 2: Company Overview
COMPANY OVERVIEW 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. l Incorporated in 1927 at Thrissur, Kerala. Over the 93 y
Slide 3: Company Overview
COMPANY OVERVIEW 2021 Consistent profit for last thirteen Quarters , Capital adequacy Ratio of 13.64% 2020 Highest ever profit of Rs 65.78Crs. 2013 to Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / 2018 Qualified Institutional Placement as Equity /Tiire II
Slide 4: Profile of Board of Directors
PROFILE OF BOARD OF DIRECTORS Mr. G Subramonia Iyer (Par time Chairman) Mr G. Subramonia Iyer, agriculture graduate, has an experience of more than 36 years in banking at various levels and had retired as Executive Director of Uco Bank. He was in-charge of operational heads of Treasury, Finance, Pla
Slide 5: Profile of Board of Directors
PROFILE OF BOARD OF DIRECTORS Mr. G. Jagan Mohan (RBI Additional Director) Mr. G. Jagan Mohan has been appointed as Additional Director by Reserve Bank of India for a period of two years w.e.f February 27, 2020 to February 26, 2022 or till further orders of RBI. Dr. (Capt.) Suseela Menon R (Independ
Slide 6: Profile of Key Management Personnel
PROFILE OF KEY MANAGEMENT PERSONNEL l Experience of 34 years in banking sector. l Worked in SBI/SBT in various areas like Finance & Accounts ,Large Value Credit intensive Mr. Ramesh A J branches etc. Chief Financial Officer l He holds a degree in chemistry and is also a Certified Associate of the In
Slide 7: Profile of Senior Management
PROFILE OF SENIOR MANAGEMENT l Worked in Government sector, Public Sector Financial Institution for about 7 years and Mr. L Chandran General Bank for 19 years in different capacities in various geographical areas. A post graduate in Manager Science, he holds an MBA (Finance)and B.Ed. Degree. He is a
Slide 8: Profile of Senior Management
PROFILE OF SENIOR MANAGEMENT Mr. Santoy John l 19 Years of experience in banking sector; He is a Post Graduate in Science, a certified Information Systems Auditor(CISA)and a Certified Associate of the Indian Institute Chief Compliance Officer of Bankers (CAIIB). He is holding Postgraduate Certificat
Slide 9: Overview of Distribution
OVERVIEW OF DISTRIBUTION “520 touch points including 245 branches, 258 ATMs and State % of distribution 17 BCs across 14 States and 1 Union Territory; our focus Kerala 57.96 has always been on customer services and personalizing relations” Tamil Nadu 13.88 Maharashtra 7.76 Karnataka 4.9 Andhra Prade
Slide 10: Shareholding Pattern
SHAREHOLDING PATTERN SHAREHOLDING Share Holder % of Stake PATTERN B RAVINDRAN PILLAI 9.999 SHAREHOLDING GOPINATHAN C K 7.498 1% & ABOVE YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 4.999 (AS ON SEPTEMBER 30, 2021) KAPILKUMAR WADHAWAN 4.999 VESPERA FUND LIMITED 4.416 NICHE FINANCIAL SERVICES PVT LTD 3.506
Slide 11: Comprehensive Range of Products
COMPREHENSIVE RANGE OF PRODUCTS Technology Related Deposits Corporate Products Retail Products Other Services Products Agriculture / Kissan Distribution of General and Retail & Corporate Internet Current Account Cash Credit * Vahana Loan/ Kissan Card Life Insurance products. Banking Home Loan / Loan
Slide 12: Performance Overview
PERFORMANCE OVERVIEW l Continuous 13th Quarter Profit ,Q2 net profit Rs 3.66Crores Profitability l Operating Profit for the Q2 of FY 21-22 has been increased to Rs. 26.06 Crs as against Rs. 18.30 Crs for Q2 of FY 20-21. l Total business of the bank reached Rs. 18889 Crs as on 30th September 2021 fro
Slide 13: CRAR & Liquidity
CRAR & LIQUIDITY PERFORMANCE HIGHLIGHTS-CRAR RWA TO TOTAL ASSETS LIQUIDITY COVERAGE RATIO (LCR) CAPITAL ADEQUACY RATIO INVESTOR PRESENTATION I September 2021
Slide 14: Profitability Ratios
PROFITABILITY RATIOS 30-09-2020 31-03-2021 30-06-2021 30-09-2021 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) Gross Advances (in crore) 7060 7122 6917 6971 Deposits (in crore) 11436 11712 11658 11918 GNPA% 6.36 9.23 9.27 8.67 NNPA% 1.66 4.76 4.58 4.92 NIM % 2.88 2.82 2.66 2.85 ROA % 0.32 0
Slide 15: Profitability Ratios
PROFITABILITY RATIOS OPERATING PROFIT Q o Q NET PROFIT Q o Q INVESTOR PRESENTATION I September 2021
Slide 16: Business Overview
BUSINESS OVERVIEW TOTAL DEPOSITS (Amt in Cr) COST OF DEPOSITS % TREND IN MOVEMENT OF CASA & RETAIL TD % CSA RATIO RETAIL TD RATIO INVESTOR PRESENTATION I September 2021
Slide 17: Business Overview
BUSINESS OVERVIEW ADVANCE PORTFOLIO- GROSS ADVANCE (Amt in Crs) Corporate 24% Gold Loans 25% Agri and MFI Retail 24% 10% (excluding Gold Loan) SME 17% INVESTOR PRESENTATION I September 2021
Slide 18: Business Overview
BUSINESS OVERVIEW INCOME & MARGINS NET INTEREST INCOME Net Interest Non Interest Net Interest FY Income Income Margin(%) Q2FY 21 89 6 2.88 Q4FY 21 71 20 2.82 Q1FY 22 80 28 2.66 Q2FY 22 91 38 2.85 NET INTEREST MARGIN % NON INTEREST INCOME INVESTOR PRESENTATION I September 2021
Slide 19: Business Overview
BUSINESS OVERVIEW INCOME & MARGINS YIELD ON ADVANCE COST INCOME RATIO INVESTOR PRESENTATION I September 2021
Slide 20: Business Overview
BUSINESS OVERVIEW ASSET QUALITY 30-09-2020 31-03-2021 30-06-2021 30-09-2021 Particulars (Audited) (Reviewed) (Audited) (Reviewed) Gross NPA ratio (%) 6.36 9.23 9.27 8.67 Net NPA ratio (%) 1.66 4.76 4.58 4.92 Provision Coverage ratio(%) 89.32 74.20 75.66 74.18 GROSS NPA RATIO (%) NET NPA RATIO (%) PR
Slide 21: Business Result
BUSINESS RESULT For the Half Year Year For the quarter ended ended Ended Growth YOY Particulars (YOY) Growth % 30.09.2020 30.06.2021 30.09.2021 30.09.2020 30.09.2021 31.03.2021 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) Interest Income 243.97 218.10 229.01 480.62 447.10 930.75
Slide 22: Summary of Financials - Balance Sheet
SUMMARY OF FINANCIALS - BALANCE SHEET 30.06.2020 31.03.2021 30.06.2021 30.06.2021 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 253 Reserves and Surplus 594 611 618 622 Deposits 11436 11712 11658 11918 Borrowings 150 150 150 150 Other Liabilities
Slide 23: Profitability Approach
WAY FORWARD l Increasing CASA with quality acquisition. Liability Strategy l Improve value of account through sale of other products l Growth in Retail Deposits. l Quality Advance Portfolio l Increasing Retail Advances including Housing Loan , Car Loan, Gold Loan Business Strategy and Loan against p
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: Thank You
THANK YOU DhanlaxmiBank ¢ Banking on Relationships forever