Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (March 2016)
22 slides from Dhanlaxmi Bank's investor presentation, March 2016
Slide 1: Investor Presentation
Investor Presentation March 2016
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: Overview
Overview Vision & Mission Journey so far Profile of Board of Directors Profile of Key Management Personnel Shareholding pattern Summary of Operational Performance Summary of Financials Way Forward Appendix: Supplementary Information - Distribution Network & Key Milestones 3
Slide 4: Vision & Mission
Vision & Mission 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. 4
Slide 5: The Journey so far
The Journey so far • Dhanlaxmi Bank, over the last 89 years has been earning the trust and goodwill of its customers through its motto of relationship driven banking. • The Bank had a humble beginning on 14th November 1927 and on its 50th Anniversary, the Bank got elevated as a Scheduled Commercial
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships He carries with him 36 years of experience in banking and higher education. He served Part-time the Reserve Bank of India for 17 years in various departments including Currency, Dr. Jayaram Nayar Accounts, Bank Examinati
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Designation Experience & Other Directorships Dr. Lakshmy Devi K.R. was Head of Department of Economics of University of Calicut. She completed her Ph.D in Economics from Calicut University in 1986. Dr. Lakshmy Devi K.R Independent Director Her post doctoral experie
Slide 8: Profile of Key Management Personnel
Profile of Key Management Personnel Name Designation Experience Experience of 36 years in banking sector Experience of 10 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Chief General Mr. P. Manikandan Third Party Products, Premises and Cash Management System areas of the Bank
Slide 9: Profile of Senior Management
Profile of Senior Management Name Designation Experience Experience of 36 years with Dhanlaxmi Bank. Chief Credit Officer Currently he is the officiating Chief Credit Officer of the Bank Mr. Ajith Prasad G.S (Officiating) Experience in Branch Banking, Operations and Credit functions of the Ban
Slide 10: Shareholding pattern
Shareholding pattern FII Institutional Investors with shareholding greater 19% than 1% (As on March 31, 2016) Corporates FII 13% ELARA INDIA OPPORTUNITIES FUND LTD. 3.49 Individuals Corporates 58% NRI 10% NRI ANTARA INDIA EVERGREEN FUND LTD. 3.44 Individuals MARSHAL GLOBAL CAPITAL FUND LTD. 3.10 Ind
Slide 11: Business Parameters
Business Parameters Advances (Net) Deposits 82 140 TD CASA 79.36 80 120 78 76.69 100 INR Bn. 76 INR Bn. 74 80 93.68 84.97 85.12 72 60 69.53 70 40 68 66 20 26.67 30.13 28.41 64 0 FY2014 FY2015 FY2016 FY2014 FY2015 FY2016 Interest Income Yield on advances, Cost of Deposit and NIMs Interest Earned Yiel
Slide 12: Operational Efficiency & Profitability
Operational Efficiency & Profitability Operating Profit Net Interest Margin (%) 180 165.8 2.5 2.47 160 2.45 140 (INR Mn.) 120 2.4 2.37 100 2.35 80 60.07 2.3 2.27 60 32.8 2.25 40 20 2.2 0 2.15 FY 2014 FY 2015 FY 2016 FY 2014 FY 2015 FY 2016 Profit After Tax Cost Income Ratio (%) 0 105 FY 2014 FY 2015
Slide 13: NPA Position
NPA Position Gross NPA % Net NPA % 7.50% 4.00% 3.80% 7.00% 7.00% 3.50% 3.29% 6.50% 6.36% 3.00% 6.00% 5.98% 2.78% 5.50% 2.50% FY2014 FY2015 FY2016 FY2014 FY2015 FY2016 The Integrated Risk Management Department of the Bank validates the ratings assigned to all exposures of Rs. 10.0 Mn. and above and o
Slide 14: Capital Adequacy
Capital Adequacy Parameters FY 2014 FY 2015 FY 2016 Basel III CRAR % 8.67 9.59 7.51 Core CRAR- 6.99 7.42 6.12 Basel- III (%) 14
Slide 15: Summary of Financials – Profit & Loss Account
Summary of Financials – Profit & Loss Account (Figures in INR Mn.) Particulars FY 2014 FY2015 FY 2016 Interest Income 12920 12836 12043 Interest Expenses 10118 9848 8996 NET INTEREST INCOME 2801 2988 3047 Other Income 734 850 767 Operating Expenses - Staff Cost 1892 2115 2132 - Other Expenses 1583 1
Slide 16: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet (Figures in INR Mn.) Particulars FY 2014 FY2015 FY 2016 Capital 1259 1774 1774 Reserves 6104 5464 3305 Deposits 121332 123817 113538 Borrowings 13356 9414 2519 Other Liabilities 4825 3050 3494 TOTAL LIABILITIES 146876 143519 124630 Cash/ Bank Balance 16753 12901
Slide 17: Summary of Key Ratios
Summary of Key Ratios Particulars FY2014 FY2015 FY2016 Credit Deposit Ratio 66.92% 64.41% 63.57% CASA Ratio 21.99% 24.34% 25.03% Gross NPA 5.98% 7.00% 6.36% Net NPA 3.80% 3.29% 2.78% 98.29% 95.68% 99.14% Cost to Income Ratio % 25.45% 26.83% 29.52% OPEX as a % of Total Income Net Interest Margin 2.27
Slide 18: Way Forward: Organizational Restructuring to Branch Centric Model
Way Forward Organizational Restructuring to Branch Centric Model • Increasing the CASA proportion • Increasing the geographical diversification of Deposits Liability Strategy • Reducing the overall Costs of Funds • Special focus on growing NRI segment • Increase Priority Sector Advances • Focus on G
Slide 19: Appendix – Supplementary information
Appendix – Supplementary information 19
Slide 20: Key Milestones Achieved
Key Milestones Achieved 1927 1977 1986 1989 1996 1998 2002 2007 Incorporated in Total business Designated as First branch Raised Rs. 240 First north Indian Raised Rs. 270 Total business* of Thrissur, of Rs. 1000 Mn. Mn. in a Rights Rs. 50,000 Mn. scheduled outside southern Mn. in IPO and branch ope
Slide 21: Broad based Distribution Network
Broad based Distribution Network Branches Profile (As on March 31, 2016) Branches Profile (As on March 31, 2016) As of March 31, 2016 the Bank has 678 customer Others outlets which includes 280 branches and 398 ATMs. 9% Delhi As of March 31, 2016 the Bank is present in 15 Karnataka 3% states/UTs
Slide 22: Thank You
Thank You DhanlaxmiB