Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2024-25 Earnings Presentation
22 slides from Dhanlaxmi Bank's earnings presentation, June 2024
Slide 1: Investor Presentation Q1 FY 2024-25
DhanlaxmiBank { Banking on Relationships forever _—— INVESTOR PRESENTATION Q1 - FY 2024-25 DhanlaxmiBank
Slide 2: Performance Y-o-Y highlights
❖ Total Business of the Bank grew by 7.01% and reached ₹ 25,084 Crore as on June, 30 2024. ❖ Total Deposit of the Bank registered a growth of 7.75 % to reach ₹ 14,441 Crore. ❖ Gross Advance of the Bank grew by 6.00% to reach ₹ 10,643 Crore. ❖ Gold Loan Portfolio registered a growth of 28.64% to reac
Slide 3: Total Business Performance
₹ in Crore BUSINESS PERFORMANCE TOTAL BUSINESS 26000 ₹ 25,084 25000 ₹ 24,654 ₹ 24,687 ₹ 24,128 24000 ₹ 23,442 23000 TOTAL 22000 BUSINESS Performance 21000 Y-o-Y 20000 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25
Slide 4: Total Deposit
₹ in Crore TOTAL DEPOSIT 8 Retail Deposit 12 15000 % % 14000 ₹ 12,279 ₹ 11,004 ₹ 11,206 ₹ 11,586 ₹ 11,571 ₹ 14,441 12000 14500 ₹ 14,340 ₹ 14,290 10000 8000 14000 ₹ 13,817 6000 ₹ 13,402 4000 13500 2000 0 13000 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 12500 10 Bulk Deposit % TOTAL 12000 3000 ₹ 2,3
Slide 5: Deposit Mix
₹ in Crore CA SA CASA CASA to Total Deposit % 5000 6 % 40.00% 31.65% 31.06% 31.10% 30.66% 31.19% 4460 4381 4504 4242 4291 30.00% 4000 3512 3592 3533 3610 3457 20.00% 3000 10.00% 0.00% 2000 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 785 779 868 848 894 1000 Retail TD to Total Deposit % 100.00% 78.2
Slide 6: Gross Advance
₹ in Crore Gross Advance 6 Retail Advance 13 % 10000 % 11000 ₹ 10,643 ₹ 7,757 ₹ 8,018 8000 ₹ 7,419 ₹ 7,574 ₹ 7,101 10500 ₹ 10,397 ₹ 10,311 ₹ 10,314 6000 ₹ 10,040 10000 4000 2000 9500 0 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 9000 11 Corporate Advance % GROSS 8500 3500 3000 ₹ 2,939 ₹ 2,892 ₹ 2,7
Slide 7: Retail (Excl. Gold) Advance Mix
₹ in Crore Gold Loan 29 Retail (Excl. Gold) 17 4000 % % ₹ 3,153 ₹ 2,596 ₹ 2,675 ₹ 2,839 3000 3000 ₹ 2,451 ₹ 2,378 ₹ 2,358 ₹ 2,428 2500 ₹ 2,265 2000 ₹ 2,077 1000 2000 0 1500 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 1000 500 SME 2% 0 2000 ₹ 1,698 ₹ 1,670 ₹ 1,670 ₹ 1,706 ₹ 1,658 Q1 FY 24 Q2 FY 24 Q
Slide 8: Retail Segment Performance
₹ in Crore Retail Loan Total 23 Housing Loan 18 ₹ 5,197 ₹ 5,581 % % 6000 ₹ 4,528 ₹ 4,861 ₹ 5,053 1500 ₹ 933 ₹ 977 ₹ 1,003 ₹ 1,029 4000 1000 ₹ 875 2000 500 0 0 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 Q1 FY 24 Q2 FY 24 Q3 FY 24 Q4 FY 24 Q1 FY 25 Gold Loan 29 Loan against property 35 4000 % % ₹ 3,
Slide 9: Total Restructured Advances
₹ in Crore Total Restructured Advances Rs.239.79 Crore on 30th June, 2024 Restructured Advance Restructured Total Restructured Particulars Advance Advance Standard Gross Advance, ₹ 10643 Cr. Education Loan Scheme 2.74 1.08 MSME standard 29.44 6.55 Restructuring Other restructuring 9.48 0.47 Prudenti
Slide 10: Financial Indicators YTD
₹ in Crore Operating Profit Net Profit ₹ 86.70 ₹ 69.26 ₹ 51.46 ₹ 54.51 ₹ 57.82 ₹ 75.54 ₹ 57.94 ₹ 28.30 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 -₹ 3.29 -₹ 8.00 NII NIM ₹ 458 3.40% 3.41% 3.34% 3.22% ₹ 354 2.76% ₹ 240 ₹ 119 ₹ 100 Financial Q1 FY24 Q2 FY24 Q3 FY24
Slide 11: Financial Ratios YTD
ROA ROE 11.35% 0.76% 10.03% 0.68% 7.07% 0.48% 5.62% 0.38% Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 -0.20% -3.12% Book Value (Rs.) EPS (Rs.) ₹ 2.03 ₹ 2.15 ₹ 2.29 ₹ 39.53 ₹ 40.45 ₹ 40.57 ₹ 40.70 ₹ 40.64 ₹ 1.12 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Financial Q1
Slide 12: Asset Quality
₹ in Crore Gross NPA% Net NPA% 5.21% 5.36% 1.29% 1.27% 1.25% 1.26% 4.81% 1.09% 4.05% 4.04% Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Provision Coverage Ratio Provision Coverage Ratio (without Technical W/Off) 90.79% 89.11% 88.64% 88.32% 87.97% 79.90% 76.96% 74.5
Slide 13: Asset Quality: SMA Movement
₹ in Crore SMA Movement ₹ 158 ₹ 135 ₹ 129 ₹ 117 ₹ 114 35 % ₹ 91 ₹ 78 ₹ 79 ₹ 75 ₹ 64 ₹ 61 ₹ 62 ₹ 53 ₹ 49 Asset ₹ 48 Quality Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 SMA 0 SMA 1 SMA 2
Slide 14: Performance
₹ in Crore Number of Branches Per Branch Business 259 261 261 255 92.65 94.62 95.19 94.27 96.11 253 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Number of Staff Business Per Employee 1743 15 1718 14 15 1707 Performance 1686 1689 14 13 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY2
Slide 15: CRAR
CRAR Tier I Tier II Particulars Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Capital Adequacy Ratio 12.57% 12.23% 12.37% 12.71% 13.37% (%) 1.01% CRAR (%) 12.57% 12.23% 12.37% 12.71% 13.37% 1.35% 1.78% 1.61% 1.67% TIER I (%) 10.79% 10.56% 10.75% 11.36% 12.36% Risk Weighted Assets 7094 7222 7425 7462 7060
Slide 16: Business Result
₹ in Crore For the Quarter Ended Year Ended 30.06.2023 31.03.2024 30.06.2024 Particulars 31.03.2024 (Reviewed) (Audited) (Reviewed) (Audited) Q1 FY 24 Q4 FY 24 Q1 FY 25 Interest Income 289.14 306.23 305.84 1,206.99 Interest Expenses 170.51 201.37 205.95 748.54 Net Interest Income 118.63 104.86 99.89
Slide 17: Balance Sheet Overview
₹ in Crore 30.06.2023 31.03.2024 30.06.2024 Particulars (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 747 777 775 Deposits 13402 14290 14441 Borrowings 225 299 150 Other Liabilities and Provisions 285 343 301 TOTAL 14912 15962 15920 ASSETS Cash and
Slide 18: Shareholding Pattern (as on 30th June, 2024)
Shareholding Pattern(as on 30th June, 2024) 1% Category No. of Holders Total Shares % To Equity 8% 19% Resident Individuals 201,843 169013109 67 (Including HUF) 6% Non Resident Indians 1632 47086527 18 67% Foreign Portfolio – Corp 25 15005909 6 Bodies Corporates 444 19836583 8 Others 13 2069956 1 Re
Slide 19: Over 560 Customer Touch Points
Over 560 Customer Touch Points including 261 Branches, 282 ATMs and 17 BCs Branch Presence No. of Branches Population 30.06.2023 30.06.2024 Metropolitan 58 58 Urban 66 71 Semi Urban 111 112 Performance Rural 20 20 Grand Total 255 261
Slide 20: Digital Migration
In ‘000 Internet Transaction Volume 39 Digital Migration 384 465 525 % 304 333 81.21% Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Mobile Transaction Volume 73 272 % 244 263 Share of Digital 196 217 Banking Transaction @ 81.21% as on Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 30th June, 2024 Compared to Deb
Slide 21: Partners
PARTNERS Py NEW are ee $8 RELIGARE “STREET TECH Canara €X> HSBC Values that bind f& BAIA S| Allianz @) LIFE INSURANCE phate : Your fast track to the future SSE Q@NSDL Gsme OsciFGEE =) TINVESTIN ee Oeee eee Moneywise. Be wise SURAKSHA AUR BHAROSA DONO SMART INVESTIN DhanlaxmiBank
Slide 22: Thank You!
Thank You!