Dhanlaxmi Bank Ltd · NSE:DHANBANK

Dhanlaxmi Bank — IDFC Securities Retail Finance Conference 2010

24 slides from Dhanlaxmi Bank's conference presentation, Nov 9, 2010

  1. Slide 1: Dhanlaxmi Bank

    DhanlaxmiBank £ established 1927 sex

  2. Slide 2: IDFC Securities Retail Finance Conference 2010

    IDFC Securities Retail Finance Conference 2010 Mr. Arvind Hali November 9, 2010

  3. Slide 3: Agenda

    Agenda 1 Snapshot for H1 FY2011 2 Retail Assets Business Summary 3 Credit & Policy 4 Fraud Containment Unit 5 Operations 6 Collection & Recovery

  4. Slide 4: Snapshot for H1 FY2011

    o Snapshot for H1 FY2011 DhanlaxmiBank {

  5. Slide 5: Quick facts

    Quick facts Activity Current FY 2011 Geographical coverage 23 Locations 2 Locations Manpower 311 89 Product & Policy 8 2 System Implementation 8 Modules 5 Modules Branches - 135 Branches - 20 Distribution Spread DSA count - 258 DSA count - 242 DST count - 141 DST count - 500 Tie Ups 5 30 (Advanced D

  6. Slide 6: Retail Assets Business Summary

    2 Retail Assets Business Summary

  7. Slide 7: Business growth

    Business growth 3,000 2,500 2,000 1,500 1,000 500 0 Mar-10 Jun-10 Sep-10 Business size (Rs. in crores)

  8. Slide 8: Share of various sub-segments (Sept 30, 2010)

    Share of various sub-segments (Sept 30, 2010) Others Mortgages 15% 11% Vehicle Loans 33% Gold Loans 40% Construction Equip. 1%

  9. Slide 9: Credit Cards

    Credit Cards  Open market sourcing - from June 2010  Sourcing  through branches  through outbound call centres (recently initiated)  emailer campaigns introduced on pilot basis  Airline ticket bundling for sourcing fee-based credit cards  Product Innovation:  Pay By Transaction - A “First” i

  10. Slide 10: Credit & Policy

    2 Credit & Policy DhanlaxmiBank {

  11. Slide 11: Credit & Policy

    Credit & Policy Product Policy Product Process Guideline Mortgage Loans   Construction Finance   Inventory Finance   Car Loans   Commercial Vehicle   Construction Equipment   Credit Cards   Loan Against Securities PPG sent for approval Education Loans WIP Amendment approved; Gold Loan

  12. Slide 12: Fraud Containment Unit

    ° Fraud Containment Unit DhanlaxmiBank {

  13. Slide 13: FCU - Scope of Operation

    FCU - Scope of Operation CREDIT CARD AUTHORISATION SALES / MARKETING / PRODUCT SERVICES / CRM CREDIT / UNDERWRITING COMPLIANCE / ASSOCIATIONS OPERATIONS COLLECTIONS FIELD ANALYTICS

  14. Slide 14: Operations

    @ Operations DhanlaxmiBank {

  15. Slide 15: Operations

    Operations Central Regional Product operations operations Mortgage Loans   Construction Finance   Inventory Finance   Car Loans   Commercial Vehicle   Construction Equipment   Credit Cards  N.A. Gold Loan   Central Operations include • Customer service • System UAT • Tracking of ledge

  16. Slide 16: Collection & Recovery

    ° Collection & Recovery DhanlaxmiBank {

  17. Slide 17: Collection & Recovery

    Collection & Recovery Critical collection sourcing done Collection Third party Technology vendors platform identified (Nucleus) Robust Collection mechanism Collection Collection audit and Analytics Quality unit unit is being setup setup

  18. Slide 18: Overall structure is in place

    Overall structure is in place…  Launched all retail asset products across all locations  Attracted quality manpower across all locations  Distribution network in place and scaling up as per plan  Systems online for all products

  19. Slide 19: Way Forward - FY 2011

    Way Forward - FY 2011  Continued efforts to further tie-ups with manufacturers and builders  Distribution scale up - direct & indirect  Process standardisation  Emphasis on productivity across channels  Setup an outsourced operations capability

  20. Slide 20: Thank you

    o Thank you DhanlaxmiBank {

  21. Slide 21: Appendix

    o Appendix DhanlaxmiBank {

  22. Slide 22: Geographical Spread

    Geographical Spread Zone Location Type Kolkata Hub East Durgapur Spoke Delhi Hub Jaipur Hub North Jullandhar Hub Chandigarh Hub Bangalore Hub Calicut Hub Chennai Hub Cochin Hub Hyderabad Hub Thrissur Hub South Trivandrum Hub Coimbatore Semi Hub Salem Semi Hub Vijayawada Semi Hub Mangalore Spoke Myso

  23. Slide 23: Product & Policy

    Product & Policy Product Policy Mortgage Loans  Construction Finance  Inventory Finance  Car Loans  Commercial Vehicle  Construction Equipment  Gold Loan  Credit Cards  Loan Against Securities Under discussion Education Loans Under discussion Personal Loans

  24. Slide 24: System Implementation

    System Implementation Product System Mortgage Loans  Construction Finance  Inventory Finance  Car Loans  Commercial Vehicle  Construction Equipment  Credit Cards  Collections  Power Pay - Vendor Payment Under Implementation Collateral Management Under Implementation Loan Against Securities U

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