Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q4 FY2012 Earnings Presentation
15 slides from Dhanlaxmi Bank's earnings presentation, May 2012
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank { established 1927 “
Slide 2: Financial Results for the period ended March 31, 2012
Financial Results for the period ended March 31, 2012 May 2012
Slide 3: Snapshot for the quarter
Snapshot for the quarter Total asset base stood at Rs.147 billion as at March 31, 2012 Capital adequacy as at March 31, 2012 o As per Basel II- 9.49% with a Tier-I ratio of 7.42% Employee strength fell to 3,960 as on March 31, 2012 from 4,552 as on December 31, 2011 Total Income (Rs. cr) Total
Slide 4: Financials
% Financials Dhanlaxm Ban
Slide 5: Balance Sheet
Balance Sheet (Rs. in Crores) 31-Mar-12 31-Dec-11 Q-o-Q growth 31-Mar- 11 Y-o-Y growth Capital 85 85 0.0% 85 0.0% Reserves 643 730 -11.9% 760 -15.4% Deposits 11,804 13,406 -11.9% 12,530 -5.8% Borrowings 1,722 1,209 42.4% 626 175.1% Other Liabilities 422 517 -18.4% 268 57.5% Total 14,676 15,946 -8.0%
Slide 6: Deposits
Deposits (Rs. in Crores) 31-Mar-12 31-Dec-11 31-Mar-11 Y-o-Y growth Current Deposits 864 1,293 1,531 -43.6% Saving Deposits 1,420 1,425 1,338 6.1% CASA 2,284 2,718 2,869 -15.5% CASA (%) 19.4% 20.3% 22.9% Term Deposits 9,520 10,688 9,660 -1.5% Total 11,804 13,406 12,530 -5.8% 6
Slide 7: Business Mix
Business Mix As at March 31, 2012 As at March 31, 2011 WBG 23% Retail WBG 42% 38% Retail TAG 60% 15% TAG As at December 31, 2011 16% Agri Agri 2% 4% WBG 29% Retail 54% TAG 15% Agri 3% 7
Slide 8: Profit and Loss Statement
Profit and Loss Statement (Rs. in Crores) Q4FY12 Q4FY11 FY12 FY11 y-o-y growth Interest income 347.7 296.2 1393.7 906.4 54% Interest expenses 295.4 205.7 1146.1 641.3 79% Net interest 52.3 90.4 247.5 265.1 -7% income Non Interest income 17.7 46.1 143.6 146.8 -2% Operating expenses 146.8 107.9 489.1
Slide 9: Net Interest Income
Net Interest Income Y-o-Y (Rs. in Crores) Q4 FY12 Q4 FY11 FY12 FY11 growth Interest income 347.7 296.2 1,393.7 906.4 -75.1% from Advances 259.2 242.0 1,075.4 699.1 -75.9% from Investments 85.7 53.3 313.6 201.7 -72.7% Others 2.8 1.0 4.7 5.6 -41.3% Interest expenses 295.4 205.7 1,146.1 641.3 -74.2% On
Slide 10: Trend in Operating Expenses
Trend in Operating Expenses 160 147 140 126 120 112 108 104 74 100 54 (Rs. in Crores) 89 45 77 50 43 80 70 64 35 60 53 28 44 30 29 40 32 23 29 31 72 73 18 67 58 61 14 14 49 54 13 20 35 40 26 30 17 17 18 0 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12 Q3-12 Q4-12 Staff Cost
Slide 11: Key Ratios (%)
Key Ratios (%) Q4 FY12 Q4 FY11 FY 2012 FY 2011 Credit - Deposit ratio 74.19 72.35 74.19 72.36 Return on Equity NM 5.44 NM 3.60 Return on Assets NM 0.34 NM 0.23 Mar 31, 2012 Dec 31, 2011 Mar 31, 2011 Gross NPAs (Rs. in crores) 104.27 73.38 67.09 Net NPAs (Rs. in crores) 58.00 33.82 27.47 Gross NPA ra
Slide 12: Trends in Net Interest Margin
Trends in Net Interest Margin 14% 12% 11.20% 11.36% 11.46% 11.34% 11.15% 10.4% 9.9% 10.0% 9.7% 10% 8.34% 8.19% 7.83% 8.02% 8% 6.90% 6.4% 6.4% 6.6% 6.5% 6% 4% 3% 2.5% 2.7% 2.6% 2.6% 2.01% 2.15% 1.80% 1.81% 2% 0% Q3 - FY2010 Q4 - FY2010 Q1 - FY2011 Q3 - FY2011 Q4-FY2011 Q1-FY2012 Q2-FY2012 Q3-FY2012 Q
Slide 13: Asset Quality
Asset Quality 2.0% 1.76% 1.8% 1.6% 1.54% 1.41% 1.4% 1.26% 1.18% 1.2% 1.05% 1.0% 0.89% 0.84% 0.76% 0.71% 0.74% 0.77% 0.8% 0.63% 0.66% 0.55% 0.6% 0.52% 0.30% 0.35% 0.4% 0.23% 0.17% 0.2% 0.0% Dec-09 Mar-10 June-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Net NPA Ratio Gross NPA Ratio 13
Slide 14: Nearly 71,500 Shareholders form Part of the Dhanlaxmi Family
Nearly 71,500 Shareholders form Part of the Dhanlaxmi Family Shareholding Pattern as at March 31, 2012 Banks / Financial Institutions 0.2% Others * 2.5% Non Resident Indians 6.0% Corporate Bodies 12.5% Resident Individuals 45.9% Foreign Institutional Investors 33.0% * Includes insurance companies, M
Slide 15: Thank You
Thank You DhanlaxmiBan