Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2020 Earnings Presentation
29 slides from Dhanlaxmi Bank's earnings presentation, December 2019
Slide 1: Investor Presentation December 2019
: HR INVESTOR PRESENTATION December -2019
Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet comparison Way Forward 2
Slide 3: Dhanlaxmi Bank - Profile
Dhanlaxmi Bank- Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 92 years that followed, earned the trust and goodwill of clients. Our strength is the number of customers, scale of business, breadth of our product offerings, bank
Slide 4: Key Milestones
Key Milestones 2018:Raised Rs.1500.00 million Basel III compliant Tier-II Bond 2017: Raised Rs. 1200.00 million Equity capital through Preferential Allotment issue 2016: Raised Rs. 841.9 million of Equity capital through Preferential Allotment issue. 2014: Raised Rs. 2296 million of Equity through P
Slide 5: Vision & Mission
Vision & Mission 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. 5
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. Sajeev Krishnan appointed as Part-time Chairman and took charge on 23.05.2018 He has been with the State Bank group since 1977. He has handled large credits and projects and internal audit at State Bank of India Sajeev Krishnan
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr.C.K.Gopinathan is promoter Director of C.K.G.Supermarket. He was also Director in the Catholic Syrian Bank Limited for 8 years. C.K.Gopinathan Mr.C.K.Gopinathan is a major share holder of our Bank. He has Director more than 25 ye
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Dr.RavindranPillai is an Industrialist. He is the promoter/Managing Director/Director of several companies in India and Middle East. He holds a degree in Business Dr. B Ravindran Pillai Administration from Cochin university of Scien
Slide 9: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 39 years in banking sector Mr. P. Manikandan Experience of 11 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Third Party Products, Premises and Cash Management System areas Chief General Manager of the Bank.
Slide 10: Profile of Senior Management
Profile of Senior Management Name Experience Experience of 26 years in banking/financial sector. Worked in Branch, Zonal Office, Credit Department (SME & Corporate underwriting). He also headed Integrated Risk Management Department of the Bank. Had a key role in formulation of Credit Policy, Credi
Slide 11: Overview of Distribution
Overview of Distribution “Over 623 touch points including 247 branches, 346 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customizing services and personalizing relations” 11
Slide 12: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on December 31, 2019 Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN C K 7.498 YUSUFFALI MUSALIAM VEETTIL ABDUL 5.000 KADER . KAPILKUMAR WADHAWAN 5.000 Individ VESPERA FUND LIMITED 4.417 uals/H NICHE FINANCIAL SERVICES PVT LTD 3.676 NRI UF
Slide 13: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Agriculture / Kissan Vahana Retail & Corporate Current Account Cash Credit * Insurance Business Loan/ Kissan Card Internet Banking Home Loan / Loan against Mutual Fund Missed Call S
Slide 14: Bank at a Glance
Bank at a Glance No : Branches 247 No : ATMs 346 10813 Deposit (Rs. in Crore) 6878 Advances(Gross) (Rs. in Crore) 17691 Total Business (Rs. in Crore) 12067 Total Assets (Rs. in Crore) * As on 31.12.2019 14
Slide 15: Performance Overview
Performance Overview Bank has reported net profit of Rs.63.18 crore for the Nine Months ended 31.12.2019 compared to net Loss of Rs. 15.95 crore during the same period of last financial year. Total Income Improved by Rs 64.20 Cr from Rs 755.25 Cr to Rs 819.45Cr Net Interest Margin has improved f
Slide 16: Performance Highlights
Performance Highlights Particulars 31-12-2018 31-03-2019 30-06-2019 30-09-2019 31-12-2019 (Reviewed) (Audited) (Reviewed) (Reviewed) (Reviewed) Gross Advances (in crore) 6265 6636 6520 6742 6878 Deposits (in crore) 10725 10603 10503 10685 10813 GNPA% 8.11 7.47 7.61 7.06 7.13 NNPA% 2.93 2.41 2.35 1.6
Slide 17: Performance Highlights (Deposits and CASA)
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA TD CASA % 2018-19(Q3) 10725 10603 10685 10813 30 31 2018-19(Q4) 2019-20(Q2) 32 32 2019-20(Q3) 7409 7209 7263 7530 RETAIL % 2018-19(Q3) 54 46 2018-19(Q4) 3316 3394 3422 3283 2019-20(Q2) 52 53 2019-20(Q3) 2018-19(Q3) 2018-19(
Slide 18: Advance Portfolio - Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) Rs.in Cr. 6636 6742 6878 6265 7000 6000 1963 1865 1856 1875 Retail 5000 1199 1031 1159 Gold 4000 935 1106 1070 SME 3000 1199 1807 759 759 Agri &Micro 2000 706 669 Corporate 1000 1550 1853 1994 1166 0 2018-19(Q3) 2018-19(Q4) 2019-20(Q2) 2019-20(Q3) Corporat
Slide 19: Performance Highlights-CRAR
Performance Highlights-CRAR 13.52 13.75 13.77 13.55 14 12 10 10.26 10.57 10.53 8 10.36 Tier I Tier II 6 4 2 3.26 3.18 3.24 3.19 0 2018-19(Q3) 2018-19(Q4) 2019-20(Q2) 2019-20(Q3) 19
Slide 20: Business Result
Business Result Rs (in Cr) Year For the quarter ended For Nine Months ended Ended YOY Growth Particulars Growth 31.12.2018 30.09.2019 31.12.2019 31.12.2018 31.12.2019 31.03.2019 (YOY) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) % Interest Income 245.09 253.34 250.88 729.65 744.6
Slide 21: Business Result for the Quarter Ended
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 37.06 43.88 47.44 45.63 120 100.64 96.9 50 91.21 86.99 100 80 0 31.12.2018 31.03.2019 30.09.2019 31.12.2019 31.12.2018 31.03.2019 30.09.2019 31.12.2019 40 Non Interest Income Net Profit 34.97 30 27.62 22.06 30 27.0
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Slide 23: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 110 2018 -19(Q3) 91.21 100 100.64 96.9 2018-19(Q4) 86.99 90 91.21 86.99 2019-20(Q2) 100.64 80 2018-19 (Q3) 2018-19(Q4) 2019-20(Q2) 2019-20(Q3) 2019-20(Q3) 96.90 Net Interest Margin (%) Net Interest Margin 201
Slide 24: Income and Margins
Income and Margins Rs (in Cr) 10.76 10.8 Yield on Advance 10.68 10.57 10.53 10.6 10.4 31.12.2018 31.03.2019 30.09.2019 31.12.2019 82.11 76.24 Cost Income Ratio 66.29 100 66.8 0 31.12.2018 31.03.2019 30.09.2019 31.12.2019 5.6 5.57 Cost of Deposits 5.56 5.54 5.55 5.55 5.5 31.12.2018 31.03.2019 30.09.2
Slide 25: Asset Quality
Asset Quality Rs (in Cr) Particulars 31-12-2018 31-03-2019 30-09-2019 31-12-2019 (Reviewed) (Audited) (Reviewed) (Reviewed) Gross NPA ratio (%) 8.11 7.47 7.06 7.13 Net NPA ratio (%) 2.93 2.41 1.65 1.62 Provision Coverage ratio(%) 82.75 84.72 89.16 89.31 Gross Provision Coverage Ratio(%) Net NPA Rati
Slide 26: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet 31-12-2018 31-03-2019 30-09-2019 31-12-2019 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) LIABILITIES Capital 253 253 253 253 Reserves and Surplus 480 508 550 571 Deposits 10725 10603 10685 10813 Borrowings 200 200 182 178 Other Liabilities and Provisio
Slide 27: Way Forward
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA • Increasing Retail / Low cost Deposits • Quality Advance Portfolio • Increasing Retail Advances Asset Strategy • Lending based on Collaterals • Better Pricing Profitability Approach • Relocating high Cost Premises & lo
Slide 28: 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 29: Dhanlaxmi Bank
Dhanlaxmi Bank established 1927