Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2010 Earnings Presentation
15 slides from Dhanlaxmi Bank's earnings presentation, July 2009
Slide 1: Dhanalakshmi Bank Limited
Dhanalakshmi Bank Limited July 2009
Slide 2: Origin
Origin Nov 14, 1927 Trichur Capital of 7 employees 11,000 Conferred Scheduled Commercial Bank status in 1977
Slide 3: About the Bank
About the Bank • A Bank with a pan India presence - 207 branches and 73 ATMs • Special focus on Micro Credit • A tech savvy Bank with 100% business under Core Banking Solutions • Rupee drawing arrangements in force with 8 Exchange Companies • Bancassurance: entered into agreement with Bajaj Allianz
Slide 4: Board of Directors
Board of Directors Name Age Total Work Experience Mr. G.N. Bajpai 66 He has had a distinguished career in the Indian financial sector and is currently Director of Future Generali Life Insurance, Future Generali Insurance, Invent ARC Private Limited, Informerics Valuation and Rating Private Limited.
Slide 5: Board of Directors (continued…)
Board of Directors (continued…) Name Age Total Work Experience Mr. S. 64 Retired as Deputy Managing Director of SBI after serving them 36 years. An Santhanakrishnan independent Director on Board. He was also the executive Chairman of Credit Information Bureau (India) Limited (CIBIL). Mr. K. S. Reddy
Slide 6: Key Details - as at June 30, 2009
Key Details - as at June 30, 2009 73 ATMs 207 CRAR Branches 14.14% 2.38% NIM 100% Net NPA CBS 0.96% 1,478 employees
Slide 7: Branches - Backbone for the Retail initiative
Branches - Backbone for the Retail initiative Existing - 207 Proposed - 273 Urban Urban 29% Metro Metro 30% 20% 14% Rural Rural 11% 11% Semi-Urban Semi-Urban 46% 39%
Slide 8: Increased Touch Points by March 2010
Increased Touch Points by March 2010 Existing - 280 Proposed - 726 Branches 207 Branches 273 ATMs 73 ATMs 453 A “use and pay” model for setting up of new ATMs
Slide 9: Improved credit ratings
Improved credit ratings Current Previous ICRA Limited Subordinated Debt - Lower Tier II Bonds LA- LBBB+ Credit Analysis and Research (CARE) Limited Subordinated Debt - Lower Tier II Bonds A- BBB • Upgrades reflect higher market confidence in the management’s overall strategy & superior execution abi
Slide 10: Financial Information
Financial Information
Slide 11: Financial Result (Q1 2009-10)
Financial Result (Q1 2009-10) Rs. in crores Particulars Q1 2009 Q1 2010 Growth (%) Interest Income 86 121 +41.0 Non Interest Income 14 15 +4.4 Total Income 100 136 +35.7 Interest Expenses 60 90 +50.5 Operating Expenses 25 32 +31.7 Operating Profit 15 13 -15.4 Net Profit 10 10 +6.3 Cost / Income rati
Slide 12: Performance Ratios
Performance Ratios Particulars FY 2008 FY 2009 Q1 2009 Q1 2010 Net Interest Margin (%) 3.11 2.97 3.00 2.38 Credit Deposit Ratio (%) 59.96 65.31 61.00 71.04 Return on Assets (%) 0.76 1.21 0.97 0.71 Capital Adequacy 14.44 (Basel I) 13.38 (Basel I) 9.21 17.31 Ratio (%) 15.38 (Basel II) 14.14(Basel II)
Slide 13: Credit - Deposit Growth
Credit - Deposit Growth Rs. in crores Particulars FY 2008 FY 2009 Absolute Growth (%) Growth CASA 1,055 1,208 153 +14.5 CASA (%) 29.2 24.3 - - Term Deposits 2,553 3,761 1,208 +47.3 Total Deposits 3,608 4,969 1,360 +37.7 Total Advances 2,102 3,196 1,094 +52.0 Particulars 30.06.2008 30.06.2009 Absolut
Slide 14: Shareholding Pattern
Shareholding Pattern June 30, 2009 March 31, 2009 Stakeholders Shares in % Shares in % million million Resident Individuals 29.1 45.38 28.8 44.91 Foreign Institutional Investors 14.8 23.04 14.7 23.00 Corporate Bodies 13.3 20.72 12.4 19.37 Non Resident Indians 3.5 5.47 3.5 5.41 Banks / Financial Inst
Slide 15: Thank You
Thank You