Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2014)
22 slides from Dhanlaxmi Bank's investor presentation, March 2014
Slide 1: Investor Presentation
Investor Presentation March 2014
Slide 2: 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 3: Agenda
Agenda Dhanlaxmi Bank – At a glance Key Milestones achieved Profile of Board of Directors and Key Management Personnel Shareholding pattern Summary of Past Operations Capital Adequacy Non Performing Assets & NPA Management approach RISK Management approach Summary of Financials and
Slide 4: Dhanlaxmi Bank – At a glance
Dhanlaxmi Bank – At a glance Dhanlaxmi Bank is a private sector bank based out of Thrissur, India incorporated in 1927 and was conferred scheduled commercial bank status in 1977. Business at a glance Bank has a network of 280 branches with strong presence in southern India. Advances stood at I
Slide 5: Key Milestones Achieved
Key Milestones Achieved Incorporated in Total business* of Raised Rs. 240 Raised Rs. 270 Total business* of Launched new Awarded the The Bank raised Thrissur, Kerala Rs. 1000 million. million in IPO and million in a rights Rs. 75,000 million. “Dhanlaxmi Bank” Asian Banker Rs. 672.2 m
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Headed Oriental Bank of Commerce as Chairman & Managing Director and was previously Executive Director of Union Bank of India. Was appointed by RBI as a Mr. T.Y. Prabhu Part-time Chairman member of the Advisory Group on
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Mr. K. Jayakumar, IAS (Retd.) has served as Secretary to Government in sectors like agriculture & tourism and retired as Chief Secretary to the Government of Kerala. He was also a Director of NABARD and Chief Commissione
Slide 8: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Experience of 35 years with Dhanlaxmi Bank in various departments. Chief Compliance & Mr. P.S. Ravikumar Currently he is the Chief Credit Officer of the Bank. Credit Officer Also headed functions of inspection & vigilance, operati
Slide 9: Shareholding Pattern
Shareholding Pattern Institutional Investors with shareholding greater As on March 31, 2014 than 1% (As on March 31, 2014) Shareholder % Stake Others, 2.83% ELARA INDIA OPPORTUNITIES FUND LIMITED 4.87 NRI, ANTARA INDIA EVERGREEN FUND LTD 4.84 12.85% MARSHAL GLOBAL CAPITAL FUND LTD 4.37 JUPITER SOUTH
Slide 10: Summary of Past Operations
Summary of Past Operations Advances Deposits 100 CASA Term Deposit 95 140 90 87.6 120 85 100 95.2 86.9 94.66 79.4 INR Bn 77.8 INR Bn 80 80 75 60 70 40 65 20 22.8 25.2 26.67 60 0 FY2012 FY2013 FY2014 FY2012 FY2013 FY2014 Cost to Income Ratio & Interest Income Yield on Advances, Cost of Deposits and N
Slide 11: Capital Adequacy
Capital Adequacy 12.0% CAR (Basel II) In addition to the Rs. 1,167.5 million of Equity capital raised in 11.5% Q4FY13 and Q1FY14 (through QIP and preferential allotment), the 11.1% bank raised additional Rs. 672.2 million of Equity capital through the 11.0% QIP route in Q4FY14. Bank’s CAR stood at
Slide 12: Non Performing Assets and NPA Management Approach
Non Performing Assets and NPA Management Approach The Bank has taken following measures (as listed below) to counter the increasing trend in NPAs and aims to bring down the Gross NPA level: Central NPA monitoring system: Technology enabled for providing information about the problem accounts (wher
Slide 13: RISK Management Approach
RISK Management Approach The Bank has developed a risk rating system that serves as a single point indicator of diverse risk factors of counterparty and for taking credit decisions in a consistent manner. The Bank presently has 14 rating/ scoring models covering Corporates, SME, Traders, NBFC, S
Slide 14: Summary of Financials - Profit & Loss Account
Summary of Financials - Profit & Loss Account (Figures in INR Mn.) Particulars Q4FY14 Q4FY13 FY14 FY13 FY12 Interest income 3,290 3,256 12,920 13,080 13,937 Interest expenses 2,513 2,564 10,118 10,316 11,461 NET INTEREST INCOME 777 692 2,801 2,764 2,476 Other Income 190 436 734 1,143 1,436 Operating
Slide 15: Summary of Financials - Balance Sheet
Summary of Financials - Balance Sheet (Figures in INR Mn.) Particulars FY14 FY13 FY12 Capital 1,259 851 851 Reserves 6,104 6,809 6,431 Deposits 121,332 112,021 118,044 Borrowings 13,356 15,921 17,215 Other Liabilities 4,825 2,694 4,224 TOTAL LIABILITIES 146,876 138,296 146,765 Cash / Bank balance 16
Slide 16: Summary of Key Ratios
Summary of Key Ratios Particulars FY14 FY13 FY12 Credit Deposit Ratio 65.41% 69.42% 74.19% Deposits Composition CASA (%) 21.99% 22.46% 19% Term Deposits (%) 78% 78% 81% Quality & Efficiency (%) Gross NPA (%) 5.98% 4.82% 1.18% Net NPA (%) 3.80% 3.36% 0.66% Cost to Income Ratio (%) 98.29% 86.85% 125.0
Slide 17: Way Forward
Way Forward • Increasing the CASA proportion Organizational Restructuring to Branch Centric Model • Increased focus on diversification of deposits in western and northern Liability Strategy regions • Reducing the overall costs of funds • Improving CRAR through infusion of equity capital • Focus on g
Slide 18: Thank You
Thank You Dhanlaxmi8
Slide 19: Appendix
Appendix (Supplementary information)
Slide 20: Overview of Distribution Network
Overview of Distribution Network Branches Network – State-wise Branches As of March 31, 2014 Bank has 676 customer outlets which (As on March 31, 2014) includes 280 branches, 396 ATMs As of March 31, 2014 Bank is present in 15 states/UTs with 280 branches : Metro Branches – 62 Urban Branches
Slide 21: Overview of Product range
Overview of Product range Personal Banking Corporate Banking NRI Banking Micro,Agri. & SME Banking Technology Products Current Accounts Loans Forex & Trade Accounts & Deposits Micro Credit Retail Internet Banking Super Power Current Housing Loans Letters of Credit / Bank NRE Accounts Mic
Slide 22: Information Technology Infrastructure & Systems
Information Technology Infrastructure & Systems All the operations at all branches are under Core Banking System Listed below are some of the key information technology packages (CBS) already implemented: IT Solutions Client Operations Credit , Risk Upgraded CBS to the latest version with Oracle