Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q4 FY2011 Earnings Presentation
15 slides from Dhanlaxmi Bank's earnings presentation, Apr 23, 2011
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank £ established 1927 sex
Slide 2: Financial Results for period ended March 31, 2011
Financial Results for period ended March 31, 2011 April 23, 2011
Slide 3: Snapshot for the quarter
Snapshot for the quarter Total asset base rose to Rs. 143 billion as at March 31, 2010 (+76% on a y-o-y basis) Priority sector lending touched 51% of ANBC as on March 31, 2011 Capital adequacy of 11.8% with a Tier-I ratio of 9.4% as at March 31, 2011 Employee strength reduced to 4,260 as on
Slide 4: Financials
o Financials DhanlaxmiBank (
Slide 5: Balance Sheet
Balance Sheet (Rs. in Crores) Mar 31, 2011 Dec 31, 2010 Q-o-Q growth Mar 31, 2010 Y-o-Y growth Capital 85 85 - 64 32.8% Reserves 759 751 1.1% 376 101.9% Deposits 12,530 10,532 19.0% 7,098 76.5% Borrowings 626 683 (8.3)% 318 96.9% Other Liabilities 268 322 (16.8)% 231 16.0% Total 14,268 12,373 15.3%
Slide 6: Deposits - Advances Growth Better Than the Industry
Deposits - Advances Growth Better Than the Industry 90% 76.3% 81.1% 80% 77.0% 75.5% 76.5% 70% 68.7% 60% 56.6% 52.7% 50% 42.8% 52.8% 40% 30% 24.1% 22.0% 17.1% 19.1% 20% 21.4% 15.8% 10% 17.0% 15.1% 14.2% 16.2% 0% Mar-10 June-10 Sep-10 Dec-10 Mar-11 Bank Advances Bank Deposits Industry Deposits Industr
Slide 7: Deposits
Deposits (Rs. in Crores) Mar 31, 2011 Dec 31, 2010 Q-o-Q growth Mar 31, 2010 Y-o-Y growth Current Deposits 1,531 912 67.9% 564 171.5% Saving Deposits 1,338 1,215 10.1% 988 35.4% CASA 2,869 2,127 34.9% 1,552 84.9% CASA (%) 22.9% 20.2% 21.9% Term Deposits 9,660 8,404 14.9% 5,546 74.2% Total 12,530 10,
Slide 8: Business Mix
Business Mix As at March 31, 2010 As at March 31, 2011 Retail As at December 31, 2010 Agri 16% 5% Retail WBG 41% 39% TAG WBG 15% 64% TAG Retail WBG 16% Agri 38% 38% 4% TAG 20% Agri 4% 8
Slide 9: Profit and Loss Statement
Profit and Loss Statement Q4 - Q4 - Y-o-Y Y-o-Y (Rs. in Crores) FY2011 FY2010 FY2011 FY2010 growth growth Interest income 296.1 150.5 96.9% 906.4 534.6 69.5% Interest expenses 205.7 106.6 93.0% 641.3 394.0 62.8% Net interest income 90.4 43.9 106.2% 265.1 140.6 88.5% Non Interest income 46.1 31.9 44.
Slide 10: Net Interest Income
Net Interest Income Q4 - Q4 - Y-o-Y Y-o-Y (Rs. in Crores) FY2011 FY2010 FY2011 FY2010 growth growth Interest income 296.1 150.5 96.9% 906.4 534.6 69.5% from Advances 241.9 115.4 109.8% 699.1 419.4 66.7% from Investments 53.2 34.3 55.3% 201.7 107.8 87.1% Others 1.0 0.8 17.8% 5.6 7.4 (24.3)% Interest
Slide 11: Trend in Operating Expenses
Trend in Operating Expenses 120 108 100 89 77 50 80 70 (Rs. in Crores) 35 64 28 60 53 30 44 29 40 23 29 31 32 18 25 28 54 58 13 14 14 49 20 12 40 12 35 26 30 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 Staff Cost Others 11
Slide 12: Key Ratios (%)
Key Ratios (%) Q4 - FY2011 Q4 - FY2010 FY2011 FY2010 Cost / Income ratio 79.07 84.57 83.63 83.29 Credit - Deposit ratio 72.35 72.41 72.35 72.41 Return on Equity 5.44 5.16 3.60 5.30 Return on Assets 0.34 0.30 0.23 0.35 Mar 31, 2011 Dec 31, 2010 Mar 31, 2010 Gross NPAs (Rs. in crores) 67.09 82.02 77.5
Slide 13: Asset Quality
Asset Quality 2.5% 1.99% 2.0% 1.92% 1.73% 1.76% 1.54% 1.41% 1.5% 1.26% 0.96% 0.89% 1.05% 1.0% 0.88% 0.86% 0.84% 0.76% 0.71% 0.74% 0.5% 0.52% 0.30% 0.0% Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 June-10 Sep-10 Dec-10 Mar-11 Net NPA Ratio Gross NPA Ratio Provision coverage ratio of 60.5% as on 31st March 2
Slide 14: Nearly 57,000 Shareholders form Part of the Dhanlaxmi Family
Nearly 57,000 Shareholders form Part of the Dhanlaxmi Family Shareholding Pattern as at March 31, 2011 Banks / Financial Others * Institutions 6.8% 0.2% Non Resident Indians 6.1% Resident Individuals 35.8% Corporate Bodies 18.4% Foreign Institutional Investors 32.7% * Includes insurance companies, M
Slide 15: Thank You
Thank You Dhanlaxm Bank (