Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2022 Earnings Presentation
23 slides from Dhanlaxmi Bank's earnings presentation, December 2021
Slide 1: Investor Presentation Q3-FY 2022
Investor Presentation Q3-FY 2022
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. Incorporated in 1927 at Thrissur, Kerala. Over the 94 ye
Slide 3: Operating Performance - YoY
Operating Performance - YoY DEPOSITS CASA ADVANCES Q3 FY 2022 Q3 FY 2022 Q3 FY 2022 Rs.12,101Cr Rs.4,008 Cr Rs.7,552 Cr 6% 8% 10% Q3 FY 2021 Q3 FY 2021 Q3 FY 2021 Rs.11,456 Cr Rs.3,700 Cr Rs.6,837 Cr OPERATING NII NET PROFIT PROFIT Q3 FY 2022 Q3 FY 2022 Q3 FY 2022 Rs.266 Cr Rs.70 Cr Rs.12 Cr % 3% 29
Slide 4: Operating Performance – QoQ
Operating Performance – QoQ DEPOSITS CASA ADVANCES Q3 FY 2022 Q3 FY 2022 Q3 FY 2022 Rs.12,101 Cr Rs.4,008 Cr Rs.7,552 Cr 1.54% 0.30% 8.33% Q2 FY 2022 Q2 FY 2022 Q2 FY 2022 Rs.11,918 Cr Rs.3,996 Cr Rs.6,971 Cr OPERATING NII NET PROFIT PROFIT Q3 FY 2022 Q3 FY 2022 Q3 FY 2022 Rs.96 Cr Rs.28 Cr Rs.2 Cr
Slide 5: Key Highlights
Key Highlights Key Highlights Total business of the bank Rs.19,653 Crs as on 31st December 2021 registering YoY growth of 7.44%. Deposits grew by 5.63% to reach Rs.12,101 Crs as on 31st December 2021 from Rs.11,456 Crs as on 31st December 2020. Retail Deposits of the bank registered a growth of 3.12
Slide 6: Profit and Loss overview
Profit and Loss overview Rs. in Crore Particulars Q3-FY 22 Q3-FY 21 Y-o-Y (%) Q3-FY 22 Q2-FY 22 Q-o-Q (%) 9 Months 9 Months 3 Months 3 Months Interest Income 682 718 (5) 235 229 3 Interest Expenses 416 460 (10) 139 138 1 Net Interest Income 266 258 3 96 91 5 Non Interest Income 100 102 (2) 35 38 (8)
Slide 7: Net Interest Income
Net Interest Income Cost of Deposits Yield on Advance Net Interest Income Rs. in Crore 10.29 9.99 91 91 96 9.12 9.56 9.62 80 71 5.28 5.17 4.64 4.6 4.56 Q3- FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Q3- FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Net Interest Margin Cost of Funds Yield on Investments 2
Slide 8: Operating Efficiency
Operating Efficiency Employee Additions Cost to Income Ratio 45 85.08 81.47 82.14 80.71 71.73 1 1 0 0 Q3 - FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Q3 - FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Rs. in Crore Business Per Employee Rs. in Crore Business per Branch 81 11.66 11.52 77 11.37 77 11.30 76
Slide 9: Balance Sheet overview
Balance Sheet overview Rs. in Crore 31.12.2020 31.03.2021 30.09.2021 31.12.2021 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 253 Reserves and Surplus 606 611 622 624 Deposits 11456 11712 11918 12101 Borrowings 150 150 150 250 Other Liabilities an
Slide 10: Indicators
Indicators Rs. in Crore Particulars Q3 FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Yield on Advances (%) 10.29 9.99 9.12 9.56 9.62 Yield on Investments (%) 5.71 5.57 5.09 5.10 5.18 Cost of Deposits (%) 5.28 5.22 4.64 4.60 4.56 Cost of Funds (%) 5.39 5.28 4.75 4.70 4.67 Net Interest Margin (%) 2.95 2.8
Slide 11: Deposit Composition
Deposit Composition Rs. in Crore Composition of Deposit Total Deposit 12101 CASA Retail Deposit Bulk Deposit 11918 15% 16% 15% 15% 16% 11712 11658 53% 51% 52% 51% 51% 11456 32% 33% 33% 34% 33% Q3 FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Q3 FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Investor Presenta
Slide 12: Digital Banking
Digital Banking Digital TransactionVolume Number of Registered Customers for Mobile Banking in ’000 776 in ’000 757 688 703 671 Dec 20 Mar-21 Jun-21 Sep-21 Dec-21 2815 3000 2842 3030 2293 Number of Registered Customers for Internet Banking 759 779 691 706 673 Dec 20 Mar-21 Jun-21 Sep-21 Dec-21 Trans
Slide 13: Composition of Loan Book
Composition of Loan Book ADVANCES GROSS ADVANCE Rs. in Crore Q3 FY 2022 Rs.7,552 Cr 10% 1785 Q3 FY 2021 1746 1692 1676 1738 Rs.6,837 Cr 1694 New Initiatives 1782 1862 1822 1719 Government Business – Empanelled by RBI as Agency Bank 1148 958 1005 917 1170 Introduced T-Bill linked products for AAA rat
Slide 14: Composition of Loan Book
Composition of Loan Book Fresh Disbursements in Personal Segment Corporate Loan Book Rs. in Crore Rs. in Crore 122.11 119.39 2163 1717 1710 1705 1659 Q3 FY 21 Q4 FY21 Q1 FY 22 Q2 FY 22 Q3 FY 22 77.43 Rating Profile of Corporate Loan Book Exposures Rs 15 Cr and above (in %) 61.04 11.37 15.38 14.37 15
Slide 15: Concentrated efforts in recoveries and Collections
Concentrated efforts in recoveries and Collections Recovery and Upgrades Sequential improvement in SMA 2 Book Rs. in Crore Rs. in Crore 210 254 96 161 61 60 99 48 Q3 FY 21 Q4 FY21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Q1-2022 Q2-2022 Q3-2022 Investor Presentation December 2021 15
Slide 16: Non Performing Assets
Non Performing Assets Gross NPA % Net NPA % 4.76 4.58 4.92 9.23 9.27 8.67 3.83 7.55 5.78 1.11 Dec 20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Gross NPA Rs. in Crs Net NPA Rs. in Crs Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Opening 449 395 657 642 60
Slide 17: Capital Composition
Capital Composition Capital Adequacy BASEL III Q3 FY 21 Q4 FY 21 Q1 FY 22 Q2 FY 22 Q3 FY 22 Tier 1 Tier II Tier 1 659 685 683 672 672 3.16 2.83 3.17 2.66 2.61 Tier II 190 191 164 163 167 11 11.31 11.75 10.98 Risk Weighted 10.52 5990 6057 5812 6115 6388 Assets • Strong capital Comfort with a CRAR of
Slide 18: Tie-Ups
Tie-Ups Investor Presentation December 2021 18
Slide 19: Branch Network
Branch Network Investor Presentation December 2021 19
Slide 20: Strong Management Team
Strong Management Team Strong Management Team Mr. Shivan J.K, Managing Director & CEO Bachelor in Agriculture and MBA & CAIIB; More than 37 years of experience in Retail, Agri, Corporate, International & Forex operations. Was Chief General Manager of Stressed Assets Resolution Group of State Ban
Slide 21: Strong Management Team
Strong Management Team Mr. Santoy John, Chief Compliance Officer Post Graduate in Science, CISA & CAIIB and PGCP in Business Management from XIMB Bhubaneswar, previously associated with ICICI Bank and RBL Bank. Over 24 Years of experience covering Teaching, Retail Banking, Internal Audit, Inform
Slide 22: 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 23: Investor Presentation December 2021
Investor Presentation December 2021 23