Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2019)
29 slides from Dhanlaxmi Bank's investor presentation, March 2019
Slide 1: Dhanlaxmi Bank
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Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Overview of Organization Structure Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet co
Slide 3: Dhanlaxmi Bank - Profile
Dhanlaxmi Bank- Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 91 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 (SBI) at the Saj
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Dr. Lakshmy Devi K.R. was Head of Department of Economics of University of Calicut. She completed her Ph.D in Economics from Dr. Lakshmy Devi K.R Independent Director Calicut University in 1986. Her post doctoral experience includes
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. K.N Murali had worked in State Bank of Travancore, State Bank of Saurashtra and State Bank of Hyderabad in various positions across the country. He had handled credit, inspection and audit. As K.N Murali General Manager (Commerc
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 38 years of Banking Experience. Has worked in various capacities in Branches and also as Branch Head. Mr. Muraleedharan M In charge of various Regional Offices of the Bank in various locations ,in the capacity of Regional Head and Zonal Head. Head I
Slide 11: Overview of Distribution Network
Overview of Distribution Network “Over 626 touch points including 250 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 March 31, 2019) Share Holder % Stake B RAVINDRAN PILLAI 9.9995 GOPINATHAN C K 7.4956 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . 4.9996 KAPILKUMAR WADHAWAN 4.9996 NICHE FINANCIAL SERVICES PVT LTD 4.9740 VESPERA FUND LIMITED 3.8681 Individual NRI 32.86
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 250 No : ATMs 346 10603 Deposit (Rs. in Crore) 6636 Advances(Gross) (Rs. in Crore) 17239 Total Business (Rs. in Crore) 11799 Total Assets (Rs. in Crore) * As on 31.03.2019 14
Slide 15: Performance Overview
Performance Overview Bank has reported net profit of Rs. 11.67 crore for the year ended 31.03.2019 compared to net Loss of Rs. 24.87 crore during the same period of last financial year. Total expenses has been reduced by 4.16 % on Y-o-Y basis (Rs.969.60 Cr to Rs.929.30 Cr) Employee cost also red
Slide 16: Performance Highlights
Performance Highlights 31-03-2017 31-03-2019 Particulars 31-03-2018 (Audited) (Audited) (Audited) Gross Advances (in crore) 6596 6387 6636 Deposits (in crore) 11294 10920 10603 GNPA% 4.78 7.35 7.47 NNPA% 2.58 3.19 2.41 NIM % 2.76 2.90 3.00 ROA % 0.10 (0.20) 0.10 ROE % 1.89 (3.32) 1.53 Cost/Income Ra
Slide 17: Performance Highlights - Deposits and CASA
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA TD CASA % 10920 10914 10817 10725 10603 2018(Q4) 32 31 2019(Q1) 2019(Q2) 31 31 2019(Q3) 31 2019(Q4) 7557 7511 7410 7409 7209 RETAIL % 2018(Q4) 2019(Q1) 52 45 2019(Q2) 3363 3403 3407 3316 3394 45 2019(Q3) 46 46 2019(Q4) 2018
Slide 18: Advance Portfolio
Advance Portfolio Gross Advance Rs.in Cr. 6387 5938 6257 6265 6636 7000 907 890 571 714 6000 623 799 668 808 734 772 5000 Corporate 1220 1506 1325 1487 1417 Agri & Micro 4000 1031 SME 906 935 3000 931 871 Gold Retail 2000 2475 2557 2810 2271 2255 1000 0 2018-Q4 2019-Q1 2019-Q2 2019-Q3 2019-Q4 Corpor
Slide 19: Performance Highlights-CRAR
Performance Highlights-CRAR 16.00 13.87 13.07 14.16 13.52 13.75 14.00 3.27 3.48 3.18 3.26 12.00 3.2 10.00 Tire II 8.00 Tire I 6.00 10.60 10.68 10.26 10.57 9.87 4.00 2.00 0.00 2018(Q4) 2019(Q1) 2019(Q2) 2019(Q3) 2019(Q4) 19
Slide 20: Business Result
Business Result (` in Crore) 31-03-2017 31-03-2019 Particulars 31-03-2018 (Audited) (Audited) (Audited) TOTAL INCOME 1200.07 1115.79 1024.22 TOTAL EXPENSE 1103.71 969.61 929.30 NET INTEREST INCOME 331.60 345.80 346.77 OPERATING PROFIT 96.37 146.18 94.93 PROVISIONS & CONTINGENCIES 81.69 171.05 83.26
Slide 21: Business Result for the Quarter Ended
Business Result for the Quarter Ended (` in Crore) Net Intrest Income Operating Profit 38.46 62.96 43.88 100 86.99 88 84.53 85.72 0 86 31.03.2017 31.03.2018 31.03.2019 84 82 31.03.2017 31.03.2018 31.03.2019 Non Interest Income 30 28.49 29.7 50 Net 8.81 Profit 27.61 27.13 0 (11.16) 25 -50 31.03.2017
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Slide 23: Income and Margins
Income and Margins (in crore) Net Interest Income Net Interest Income for the Quarter Ended 100 2018 (Q4) 85.72 90 80 Net Interest 2019(Q1) 81.14 Margin 2019(Q2) 87.43 70 2019(Q3) 91.21 2019(Q4) 86.99 Net Interest Margin (%) Net Interest Margin 2018 (Q4) 2.90 3.2 2019(Q1) 2.74 3 2.8 Net Interest 201
Slide 24: Income and Margins
Income and Margins 12 Yield on Advance 11 11.49 11.13 10 10.57 Yield on Advance 31.03.2017 31.03.2018 31.03.2019 8 Cost of Deposits 6 6.48 5.84 5.57 4 Cost of Deposits 31.03.2017 31.03.2018 31.03.2019 80 78.75 Cost Income Ratio 76.24 60 67.39 31.03.2017 31.03.2018 31.03.2019 Cost Income Ratio 24
Slide 25: Asset Quality
Asset Quality Particulars 31-03-2017 31-03-2018 31-03-2019 (Audited) (Audited) (Audited) Gross NPA ratio (%) 4.78 7.35 7.47 Net NPA ratio (%) 2.58 3.19 2.41 Provision Coverage ratio(%) 79.99 80.02 84.72 Gross Net NPA Ratio(%) Provision Coverage Ratio(%) NPA Ratio(%) 86 3.5 8 3 85 7 2.5 3.19 84 84.72
Slide 26: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet Particulars March 2017 March 2018 March 2019 (Audited) (Audited) (Audited) CAPITAL AND LIABILITIES Capital 210 253 253 Reserves and Surplus 445 496 508 Deposits 11294 10920 10603 Borrowings 145 392 200 Other Liabilities and Provisions 239 225 234 TOTAL 12333 122
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 Profitability Approach • Better Pricing • 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