Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2022 Earnings Presentation
25 slides from Dhanlaxmi Bank's earnings presentation, June 2021
Slide 1: Investor Presentation June-2021
INVESTOR PRESENTATION June-2021
Slide 2: Company Overview
COMPANY OVERVIEW 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. l Incorporated in 1927 at Thrissur, Kerala. Over the 93 y
Slide 3: Company Overview
COMPANY OVERVIEW 2021 Consistent profit for last twelth Quarters , Capital adequacy Ratio reaching a high of 14.57% 2020 Highest ever profit of Rs 65.78Crs , 2013 to Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment / 2018 Qualified Institutional Placement as Eq
Slide 4: Profile of Board of Directors
PROFILE OF BOARD OF DIRECTORS Mr. G Subramonia Iyer (Par time Chairman) Mr G. Subramonia Iyer, agriculture graduate, has an experience of more than 36 years in banking at various levels and had retired as Executive Director of Uco Bank. He was in-charge of operational heads of Treasury, Finance, Pla
Slide 5: Profile of Board of Directors
PROFILE OF BOARD OF DIRECTORS Mr. G. Jagan Mohan (RBI Additional Director) Mr. G. Jagan Mohan has been appointed as Additional Director by Reserve Bank of India for a period of two years w.e.f February 27, 2020 to February 26, 2022 or till further orders of RBI. Dr. (Capt.) Suseela Menon R (Independ
Slide 6: Profile of Board of Directors
PROFILE OF BOARD OF DIRECTORS Mr. P. K Vijayakumar (Independent Director) Mr. P.K Vijayakumar had retired from Indian Revenue Service as Director General of Income Tax after working at various levels in the Income Tax Department. He also held the position of Insurance Ombudsman. He was appointed as
Slide 7: Profile of Key Management Personnel
PROFILE OF KEY MANAGEMENT PERSONNEL l Experience of 34 years in banking sector. l Worked in SBI/SBT in various areas like Finance & Accounts ,Large Value Credit intensive Mr. Ramesh AJ branches etc. Chief Financial Officer l He holds a degree in chemistry and is also a Certified Associate of the Ind
Slide 8: Profile of Senior Management
PROFILE OF SENIOR MANAGEMENT l Worked in Government sector, Public Sector Financial Institution for about 7 years and Mr. L. Chandran Bank for 19 years in different capacities in various geographical areas. A post graduate in General Manager Science, he holds an MBA (Finance)and B.Ed. Degree. He is
Slide 9: Profile of Senior Management
PROFILE OF SENIOR MANAGEMENT Mr. Santoy John l 19 Years of experience in banking sector; He is a Post Graduate in Science, a certified Information Systems Auditor(CISA)and a Certified Associate of the Indian Institute Chief Compliance Officer of Bankers (CAIIB). He is holding Postgraduate Certificat
Slide 10: Overview of Distribution
OVERVIEW OF DISTRIBUTION “520 touch points including 245 branches, 258 ATMs and State % of distribution 17 BCs across 14 States and 1 Union Territory; our focus Kerala 57.96 has always been on customer services and personalizing relations” Tamil Nadu 13.88 Maharashtra 7.76 Karnataka 4.9 Andhra Prade
Slide 11: Shareholding Pattern
SHAREHOLDING PATTERN SHAREHOLDING 1% & ABOVE (AS ON JUNE 30, 2021) Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN C K 7.498 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER 4.999 KAPILKUMAR WADHAWAN 4.999 VESPERA FUND LIMITED 4.416 NICHE FINANCIAL SERVICES PVT LTD 3.506 SHITAL RAGHU KATARIA 2.630
Slide 12: Comprehensive Range of Products
COMPREHENSIVE RANGE OF PRODUCTS Technology Related Deposits Corporate Products Retail Products Other Services Products Agriculture / Kissan Distribution of General and Retail & Corporate Internet Current Account Cash Credit * Vahana Loan/ Kissan Card Life Insurance products. Banking Home Loan / Loan
Slide 13: Performance Overview
PERFORMANCE OVERVIEW l Continuous 12th Quarter Profit ,Q1 net profit Rs 6.79 Crores Profitability l ROA improved to 0.21% as on 30.06.2021. (YoY) l ROE improved to 3.13 % as on 30.06.2021. (YoY) l Total business grew by Rs.728 Crs to Rs.18575 Crs as on 30th June 2021 Growth from Rs.17847 crs as on 3
Slide 14: CRAR & Liquidity
CRAR & LIQUIDITY PERFORMANCE HIGHLIGHTS-CRAR CAPITAL ADEQUACY RATIO RWA TO TOTAL ASSETS LIQUIDITY COVERAGE RATIO (LCR) INVESTOR PRESENTATION June-2021
Slide 15: Profitability Ratios
PROFITABILITY RATIOS OPERATING PROFIT Q o Q NET PROFIT Q o Q INVESTOR PRESENTATION June-2021
Slide 16: Business Overview
BUSINESS OVERVIEW TOTAL DEPOSITS (Amt in Cr) COST OF DEPOSITS % TREND IN MOVEMENT OF CASA & RETAIL TD % INVESTOR PRESENTATION June-2021
Slide 17: Business Overview
BUSINESS OVERVIEW ADVANCE PORTFOLIO- GROSS ADVANCE (Amt in Crs) Corporate 25% Gold Loans 26% Agri and MFI Retail 25% 11% (excluding Gold Loan) SME 13% INVESTOR PRESENTATION June-2021
Slide 18: Business Overview
BUSINESS OVERVIEW INCOME & MARGINS NET INTEREST INCOME Net Interest Non Interest Net Interest FY Income Income Margin(%) Q1FY 21 79 42 2.77 Q2FY 21 89 21 2.88 Q3FY 21 91 49 2.95 Q4FY 21 71 30 2.82 Q1FY 22 80 21 2.66 NET INTEREST MARGIN % NON INTEREST INCOME INVESTOR PRESENTATION June-2021
Slide 19: Business Overview
BUSINESS OVERVIEW INCOME & MARGINS YIELD ON ADVANCE COST INCOME RATIO INVESTOR PRESENTATION June-2021
Slide 20: Business Overview
BUSINESS OVERVIEW ASSET QUALITY 30-06-2020 30-09-2020 31-12-2020 31-03-2021 30-06-2021 Particulars (Reviewed) (Audited) (Reviewed) (Audited) (Reviewed) Gross NPA ratio (%) 6.89 6.36 5.78 9.23 9.27 Net NPA ratio (%) 2.18 1.66 1.11 4.76 4.58 Provision Coverage ratio(%) 86.78 89.32 92.68 74.20 75.66 GR
Slide 21: Business Result
BUSINESS RESULT 30.06.2020 31.03.2021 30.06.2021 Particulars Growth YOY Growth% (Reviewed) (Audited) (Reviewed) Interest Income 236.65 930.75 218.11 (18.54) (7.84) Interest Expenses 157.59 601.1 138.60 (18.99) (12.05) Net Interest Income 79.06 329.65 79.50 0.44 0.56 Non Interest Income 41.97 141.48
Slide 22: Summary of Financials - Balance Sheet
SUMMARY OF FINANCIALS - BALANCE SHEET 30.06.2020 31.03.2021 30.06.2021 Particulars (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 580 611 618 Deposits 11109 11712 11658 Borrowings 178 150 150 Other Liabilities and Provisions 318 370 239 TOTAL 12438 1
Slide 23: Way Forward
WAY FORWARD l Increasing CASA with quality acquisition. Liability Strategy l Improve value of account through sale of other products l Growth in Retail Deposits. l Quality Advance Portfolio l Increasing Retail Advances including Housing Loan , Car Loan, Gold Loan Business Strategy and Loan against p
Slide 24: 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 25: Thank You
THANK YOU DhanlaxmiBank { o07 Banking on Relationships forever