Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2021 Earnings Presentation
29 slides from Dhanlaxmi Bank's earnings presentation, June 2020
Slide 1: Investor Presentation June 2020
INVESTOR PRESENTATION June -2020 1
Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet comparison Way Forward 2
Slide 3: Dhanlaxmi Bank Profile
Dhanlaxmi Bank Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 92 years that followed, Bank has earned the trust and goodwill of clients. Our strength is the number of customers, longevity of relationship, scale of business, bre
Slide 4: Key Milestone
Key Milestone 2020: Highest ev er profit of Rs 65.78Crs , Consistent profit for Last eight Quarters ,Capital adequacy Ratio reaching a high of 14.41% 2013 to 2018 :Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / Qualified I nstitutional Placement as Equity /
Slide 5: 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. 5
Slide 6: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Shri Sunil Gurbaxani as MD and CEO, envisages, designs and executes strategic initiatives for the overall growth of the Bank while building a strong leadership team to ensure seamless execution of policies. His more than three decad
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships C.K.Gopinathan Mr. C.K.Gopinathan is promoter Director of C.K.G.Supermarket. He was also Director in Director the Catholic Syrian Bank Limited for 8 years. Mr. C.K.Gopinathan is a major share holder of our Bank. He has more than 25
Slide 8: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 39 years in banking sector Experience of 11 years in Planning, Operations, Credit, HRD, Inspection, Mr. P. Manikandan Vigilance, Third Party Products, Premises and Cash Management System Chief General Manager areas of the Bank.
Slide 9: Profile of Senior Management
Profile of Senior Management Name Experience Experience of 26 years in banking/financial sector. Worked in Branch, Zonal Office, Credit Department (SME & Corporate underwriting). He also headed Integrated Risk Management Department of the Bank. Had a key role in formulation of Credit Policy, Credi
Slide 10: Profile of Senior Management
Profile of Senior Management Name Experience 36 years of experience in banking sector including working with Federal Mr. Rajan Sleeba Bank etc. Head- Human Resources He is Post Graduated in law (LLM) and Certified Associate of the Department Indian Institute of Bankers (CAIIB) • He worked as Reg
Slide 11: Overview of Distribution
Overview of Distribution “Over 519 touch points including 247 branches, 255 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customizing services and personalizing relations” 11
Slide 12: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on June 30, 2020 Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN C K 7.498 .YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 4.999 Individ KAPILKUMAR WADHAWAN 4.999 uals/H VESPERA FUND LIMITED 4.416 NRI UF NICHE FINANCIAL SERVICES PVT LTD 3.161 32.2
Slide 13: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Distribution of General Agriculture / Kissan Vahana Loan/ Retail & Corporate Current Account Cash Credit * and Life Insurance Kissan Card Internet Banking products. Home Loan / Loan
Slide 14: Bank at a Glance
Bank at a Glance No : Branches 247 No : ATMs 255 11109 Deposit (Rs. in Crore) 6738 Advances(Gross) (Rs. in Crore) 17847 Total Business (Rs. in Crore) 12438 Total Assets (Rs. in Crore)
Slide 15: Performance Overview
Performance Overview Y-O-Y Comparison Registered an operating profit of Rs. 43.11 Crs as against Rs 29.11Crs in Q1 of last FY.(Growth of 48%) Net profit of Rs. 6.09 Crs in Q1 of FY 21 against Rs. 2.60 Crs in Q4 of FY 20. (Growth of 134% Q-o-Q) Total business reached Rs. 17847 Crs as against Rs
Slide 16: Performance Highlights
Performance Highlights Particulars 30-06-2019 31-03-2020 30-06-2020 (Reviewed) (Audited) (Reviewed) Gross Advances (in crore) 6520 6799 6738 Deposits (in crore) 10503 10904 11109 GNPA% 7.61 5.90 6.89 NNPA% 2.35 1.55 2.18 NIM % 3.15 3.21 2.77 ROA % 0.68 055 0.20 ROE % 10.19 7.95 2.92 Cost/Income Rati
Slide 17: Performance Highlights
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % CASA % CASA TD 2019-20(Q1) 11109 10503 10904 30 32 2019-20(Q4) 30 2020-21(Q1) 7158 7655 7771 RETAIL % 3345 3249 3338 2019-20(Q1) 2019-20(Q1) 2019-20(Q4) 2020-21(Q1) 54 53 2019-20(Q4) 2020-21(Q1) 54
Slide 18: Advance Portfolio- Gross Advance
Advance Portfolio- Gross Advance (Rs in Cr) 6799 6738 6520 100% 1917 1739 1803 80% 1067 1270 1329 Retail 60% 1010 Gold 1097 968 40% 610 787 750 SME Agri &Micro 20% 1829 1993 1888 Corporate 0% 2019-20(Q1) 2019-20(Q4) 2020-21(Q1) Corporate SME Agri & MFI (excluding gold) Retail Gold 27% 28% 20% 11% 14
Slide 19: Performance Highlights-CRAR
Performance Highlights-CRAR 16 14 12 10 10.69 10.71 8 10.63 6 Tier I 4 Tier II 2 3.22 3.72 3.23 0 2019-20(Q1) 2019-20(Q4) 2020-21(Q1)
Slide 20: Business Result
Business Result YOY 30.06.2019 31.03.2020 30.06.2020 Particulars Growth Growth (Reviewed) (Audited) (Reviewed) % Interest Income 240.43 987.59 236.65 (3.78) (1.57) Interest Expenses 150.34 614.41 157.59 7.25 4.82 Net Interest Income 90.09 373.18 79.06 (11.03) (12.24) Non Interest Income 16.32 112.85
Slide 21: Business Result for the Quarter Ended
Business Result for the Quarter Ended Rs (in Cr) Net Interest Income Operating Profit 39.79 43.11 100 90.09 50 29.11 85.54 90 79.06 80 70 0 30.06.2019 31.03.2020 30.06.2020 30.06.2019 31.03.2020 30.06.2020 Net Profit Non Interest Income 25 60 20 19.84 40 15 6.09 38.05 41.97 10 20 5 16.32 2.6 0 0 30.
Slide 22: E x< Ss = je) pe a
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Slide 23: Income and Margins
Income and Margins Rs (in Cr) Net Interest Income for the Quarter Ended Net Interest Income 92 2019-20(Q1) 90.09 90 90.09 88 86 85.54 84 2019-20(Q4) 85.54 82 80 78 79.06 76 2020-21(Q1) 79.06 74 72 2019-20(Q1) 2019-20(Q4) 2020-21(Q1) Net Interest Margin (%) Net Interest Margin 3.3 2019-20(Q1) 3.15 3.
Slide 24: Income and Margins
Income and Margins Rs (in Cr) Yield on Advance 11 10.37 10.13 10 10.91 9 30.06.19 31.03.20 30.06.20 72.65 Cost Income Ratio 80 66.67 64.38 60 Income and Margins 30.06.2019 31.03.2020 30.06.2020 Cost of Deposits 5.7 5.6 5.6 5.54 5.58 5.5 30.06.2019 31.03.2020 30.06.2020
Slide 25: Asset Quality
Asset Quality Rs (in Cr) Particulars 30-06-2019 31-03-2020 30-06-2020 (Reviewed) (Audited) (Reviewed) Gross NPA ratio (%) 7.61 5.90 6.89 Net NPA ratio (%) 2.35 1.55 2.18 Provision Coverage ratio(%) 85.38 89.87 86.78 Gross Net NPA Ratio(%) Provision Coverage Ratio(%) NPA Ratio(%) 91 2.5 8 90 7 2 2.35
Slide 26: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet 30.06.2019 31.03.2020 30.06.2020 Particulars (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 528 574 580 Deposits 10503 10904 11109 Borrowings 186 178 178 Other Liabilities and Provisions 238 356 318 TOTAL 11708 1
Slide 27: Way Forward
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA with quality acquisition. • Improve value of account • Quality Advance Portfolio • Increasing Retail Advances including Housing Loan , Asset Strategy Car Loan, Gold Loan and Loan against property. • Lending based on Col
Slide 28: 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 29: Thank You