Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2012 Earnings Presentation
15 slides from Dhanlaxmi Bank's earnings presentation, July 2011
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank { established 1927 “
Slide 2: Financial Results for the quarter ended June 30, 2011
Financial Results for the quarter ended June 30, 2011 July 2011
Slide 3: Snapshot for the quarter
Snapshot for the quarter Total asset base rose to Rs. 150 billion as at June 30, 2011 Capital adequacy as at June 30, 2011 o As per Basel II- 11.40% with a Tier-I ratio of 9.33% o As per Basel I- 10.18% with a Tier-I ratio of 8.33% Employee strength increased to 4,744 as on June 30, 2011 from
Slide 4: Financials
% Financials Dhanlaxm Ban
Slide 5: Balance Sheet
Balance Sheet (Rs. in Crores) 30-Jun-11 31-Mar-11 Q-o-Q growth 30 Jun- 10 Y-o-Y growth Capital 85 85 - 64 32.6% Reserves 762 760 0.3% 382 99.5% Deposits 12,904 12,530 3.0% 7,747 66.6% Borrowings 884 626 41.2% 595 48.6% Other Liabilities 400 267 49.8% 239 67.4% Total 15,035 14,268 5.4% 9,027 66.6% Ca
Slide 6: Deposits - Advances Growth Better Than the Industry
Deposits - Advances Growth Better Than the Industry 90% 76.3% 77.0% 81.1% 81.5% 80% 75.5% 76.5% 70% 68.7% 66.6% 60% 56.6% 52.7% 50% 42.8% 52.8% 40% 30% 24.1% 22.0% 17.1% 19.1% 20% 21.4% 22.0% 15.8% 15.2% 10% 17.0% 15.1% 14.2% 16.2% 0% Mar-10 June-10 Sep-10 Dec-10 Mar-11 Jun-11 Bank Advances Bank Dep
Slide 7: Deposits
Deposits (Rs. in Crores) 30-Jun-11 31-Mar-11 Q-o-Q growth 30-Jun-2010 Y-o-Y growth Current Deposits 1,536 1531 0.3% 585 162.5% Saving Deposits 1,331 1,338 (0.5%) 1,071 24.3% CASA 2,867 2,869 (0.1%) 1,656 73.2% CASA (%) 22.2% 22.9% 21.4% 4.0% Term Deposits 10,037 9,660 3.9% 6,091 64.8% Total 12,904 1
Slide 8: Business Mix
Business Mix As at June 30, 2011 As at June 30, 2010 Retail WBG 18% Agri Retail 36% 5% 46% WBG TAG 58% TAG 19% 15% Agri As at March 31, 2011 3% Retail WBG 41% 39% TAG 16% Agri 4% 8
Slide 9: Profit and Loss Statement
Profit and Loss Statement (Rs. in Crores) 30-Jun-11 31-Mar-11 Q-o-Q growth 30-Jun-10 y-o-y growth Interest income 315.6 296.2 6.6% 168.0 87.9% Interest expenses 251.8 205.7 22.4% 119.5 110.6% Net interest income 63.8 90.4 -29.4% 48.4 31.7% Non Interest income 54.9 46.1 19.1% 30.5 79.8% Operating exp
Slide 10: Net Interest Income
Net Interest Income Q-o-Q (Rs. in Crores) Q1 - FY2012 Q4 - FY2011 Q1 - FY2011 Y-o-Y growth growth Interest income 315.6 296.2 6.6% 168.0 87.9% from Advances 251.5 241.9 4.0% 126.9 98.2% from Investments 63.1 53.3 18.4% 39.6 59.5% Others 1.0 1.0 (1.4%) 1.6 (36.6%) Interest expenses 251.8 205.7 22.4%
Slide 11: Trend in Operating Expenses
Trend in Operating Expenses 120 108 104 100 89 77 50 43 80 70 (Rs. in Crores) 35 64 28 60 53 30 44 29 40 23 29 31 32 18 28 61 25 58 14 49 54 12 13 14 20 12 40 30 35 26 16 17 17 18 13 0 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Staff Cost Others 11
Slide 12: Key Ratios (%)
Key Ratios (%) Q1- FY2012 Q4 - FY2011 Q1- FY2011 FY2011 87.61 79.07 88.42 83.63 Cost / Income ratio 74.97 72.35 68.78 72.35 Credit - Deposit ratio 1.68 5.44 5.42 3.6 Return on Equity 0.09 0.34 0.28 0.23 Return on Assets Jun 30, 2011 Mar 31, 2011 Jun 30, 2010 Gross NPAs (Rs. in crores) 61.46 67.09 75
Slide 13: Asset Quality
Asset Quality 2.5% 2.0% 1.92% 1.73% 1.76% 1.54% 1.5% 1.41% 1.26% 1.05% 0.96% 1.0% 0.86% 0.89% 0.84% 0.76% 0.71% 0.74% 0.63% 0.52% 0.5% 0.30% 0.23% 0.0% Jun-09 Sep-09 Dec-09 Mar-10 June-10 Sep-10 Dec-10 Mar-11 Jun-11 Net NPA Ratio Gross NPA Ratio Reserve Bank of India has extended deadline for PCR
Slide 14: Nearly 58,000 Shareholders form Part of the Dhanlaxmi Family
Nearly 58,000 Shareholders form Part of the Dhanlaxmi Family Shareholding Pattern as at June 30, 2011 Banks / Financial Others * Institutions 5.3% 0.2% Non Resident Indians 5.6% Resident Individuals 36.0% Corporate Bodies 17.2% Foreign Institutional Investors 35.7% * Includes insurance companies, Mu
Slide 15: Thank You
Thank You DhanlaxmiBan