Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — H1 FY2018-19 Earnings Presentation
30 slides from Dhanlaxmi Bank's earnings presentation, September 2018
Slide 1: Dhanlaxmi Bank
DhanlaxmiBank t
Slide 2: Contents
Contents Dhanlaxmi Bank -Profile Vision & Mission Profile of Board of Directors & Key Management Personnel Overview of Distribution Network Share Holding Pattern Overview of Organization Structure Comprehensive range of Products Business Results-Performance Overview Income & Margins Balance Sheet co
Slide 3: Dhanlaxmi Bank - Profile
Dhanlaxmi Bank- Profile Incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 91 years that followed, earned the trust and goodwill of clients. Our strength is the number of customers, scale of business, breadth of our product offerings, bank
Slide 4: Key Milestones
Key Milestones 2018:Raised Rs.1500.00 million Basel III compliant Tier-II Bond 2017: Raised Rs. 1200.00 million Equity capital through Preferential Allotment issue 2016: Raised Rs. 841.9 million of Equity capital through Preferential Allotment issue. 2014: Raised Rs. 2296 million of Equity through P
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 Mr. Sajeev Krishnan appointed as Part-time Chairman and took charge on 23.05.2018 He has been with the State Bank group since 1977. He has handled Sajeev Krishnan large credits and projects and internal audit at State Bank of India
Slide 7: Profile of Board of Directors
Profile of Board of Directors Name 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 Dr. Lakshmy Devi K.R Independent Director Calicut University in 1986. Her post doctoral experience includes
Slide 8: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr. K.N Murali had worked in State Bank of Travancore, State Bank of Saurashtra and State Bank of Hyderabad in various positions across the country. He had handled credit, inspection and audit. As K.N Murali General Manager (Commerc
Slide 9: Profile of Board of Directors
Profile of Board of Directors Name Experience & Other Directorships Mr .S. T. Kannan has been appointed as Additional Director on the S T Kannan Board by Reserve Bank of India. He is a serving General Manager in RBI Additional Director the Reserve Bank of India, and in charge of Reserve Bank India,
Slide 10: Profile of Key Management Personnel
Profile of Key Management Personnel Name Experience Experience of 36 years in banking sector Mr. P. Manikandan Experience of 10 years in Planning, Operations, Credit, HRD, Inspection, Vigilance, Third Party Products, Premises and Cash Management System areas Chief General Manager of the Bank.
Slide 11: Profile of Senior Management
Profile of Senior Management Name Experience • 38 years of Banking Experience. • In charge of various Regional Offices of the Bank in various locations ,in Mr. Muraleedharan M the capacity of Regional Head and Zonal Head. Head Inspection • Well experienced in Credit and Recovery functions of the Ban
Slide 12: Overview of Distribution Network
Overview of Distribution Network 12% 4% 5% 9% 56% 14% Kerala Tamil Nadu Maharashtra Karnataka Andhra Pradesh Others 12
Slide 13: Shareholding pattern
Shareholding pattern Shareholding 1% & above (As on September 30, 2018) Share Holder % Stake B RAVINDRAN PILLAI 9.9995 GOPINATHAN C K 7.4897 YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . 4.9996 KAPILKUMAR WADHAWAN 4.9996 NICHE FINANCIAL SERVICES PVT LTD 4.9740 CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE 2
Slide 14: Comprehensive range of Products
Comprehensive range of Products Technology Related Deposits Corporate Products Retail Products Other Services products Agriculture / Kissan Vahana Retail & Corporate Current Account Cash Credit Insurance Business Loan/ Kissan Card Internet Banking Home Loan / Loan against Mutual Fund Missed Call Ser
Slide 15: Bank at a Glance
Bank at a Glance No : Branches 252 No : ATMs 346 Deposit (Rs. in Crore) 10817 6257 Advances(Gross) (Rs. in Crore) 17074 Total Business (Rs. in Crore) 11972 Total Assets (Rs. in Crore) * As on30.09.2018 15
Slide 16: Performance Overview
Performance Overview Net Profit of Rs.12.15 crores for Q2 2018-19 as against Rs.6.06 crores for Q2 2017-18 Operating expense has been reduced by 10.39% on Y-o-Y basis Total expenses has been reduced by 8.55% on Y-o-Y basis Employee cost also reduced by 11.29% on Y-o-Y basis Cost of funds h
Slide 17: Performance Highlights
Performance Highlights Particulars 30-09-2017 31-03-2018 30-09-2018 (Reviewed) (Audited) (Reviewed) Gross Advances (in crore) 6369 6387 6257 Deposits (in crore) 10998 10920 10817 GNPA% 6.11 7.35 7.81 NNPA% 3.67 3.19 2.92 NIM % 2.93 2.90 2.84 ROA % 0.23 (0.20) (0.55) ROE % 3.55 (3.32) (9.14) Cost/Inc
Slide 18: Performance Highlights
Performance Highlights (Rs. in Cr) DEPOSITS Trend in movement of CASA % 12000 10998 10920 10914 10817 CASA % 10000 31 31 17-Sep 18-Mar 8000 7631 7557 7511 7410 18-Jun 31 31 6000 TD 4000 CASA RETAIL % 2000 3367 3363 3403 3407 46 46 17-Sep 0 18-Mar 18-Jun 45 45 18
Slide 19: Advance Portfolio
Gross Advance Advance Portfolio Rs.in Cr. 6369 6387 5938 6257 858 890 623 571 Corporate 831 808 772 799 Agri & Micro 1650 1487 1417 1506 SME 860 871 907 795 Gold Retail 2235 2342 2255 2474 2018-Q2 2018-Q4 2019-Q1 2019-Q2 Corporate 9% Retail 13% Agri& Micro 40% 24% SME 19 14% Gold
Slide 20: Performance Highlights-CRAR
Performance Highlights-CRAR 16 14 12 3.27 3.48 0.78 3.20 10 8 Tire II Tire I 6 10.84 10.60 9.87 10.68 4 2 0 Sep 2017 Mar 2018 Jun 2018 Sep 2018 20
Slide 21: Business Result
Business Result (` in Crore) Particulars 30-09-2017 31-03-2018 30-09-2018 (Reviewed) (Audited) (Reviewed) TOTAL INCOME 569.55 1115.79 483.09 TOTAL EXPENSE 512.99 969.61 469.11 NET INTEREST INCOME 176.34 345.80 168.57 OPERATING PROFIT 56.56 146.18 13.98 PROVISIONS & CONTINGENCIES 42.53 171.05 46.82 N
Slide 22: Business Result for the Quarter Ended
Business Result for the Quarter Ended (` in Crore) Net Interest Income Operating Profit 100 90.93 90 87.43 29.92 20.02 81.14 50 -6.04 80 0 70 -50 30.09.17 30.06.18 30.09.18 30.09.2017 30.06.2018 30.09.2018 Non Interest Income Net Profit 20 12.15 6.06 0 30 30.09.2017 30.06.2018 30.09.2018 20 23.14 -2
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Slide 24: Income and Margins
Income and Margins (in crore) Net Interest Income Net Interest Income for the Quarter Ended 100 Sep 2017 90.93 90 Net Interest Mar 2018 85.72 80 Margin June 2018 81.14 70 Sep 2018 87.43 Net Interest Margin Net Interest Margin (%) 3 Sep 2017 2.93 2.9 Mar 2018 2.90 2.8 Net Interest Margin % 2.7 June 2
Slide 25: Income and Margins
Income and Margins Yield on Advance 12 10 11.40 11.13 10.46 10.36 Yield on Advance 8 30.09.2017 31.03.2018 30.06.2018 30.09.2018 5.96 5.84 Cost of Deposits 5.59 5.55 6 5 Cost of Deposits 30.09.2017 31.03.2018 30.06.2018 30.09.2018 Cost Income Ratio 100 91.64 0 75.13 67.39 79.49 Cost Income Ratio 30.
Slide 26: Asset Quality
Asset Quality Particulars 30-09-2017 31-03-2018 30-06-2018 30-09-2018 (Reviewed) (Audited) (Audited) (Reviewed) Gross NPA ratio (%) 6.11 7.35 8.49 7.81 Net NPA ratio (%) 3.67 3.19 3.79 2.92 Provision Coverage 74.69 80.02 79.45 82.50 ratio(%) Gross 4 Net NPA Ratio(%) 85 Provision Coverage Ratio(%) 10
Slide 27: Summary of Financials – Balance Sheet
Summary of Financials – Balance Sheet Particulars 30-09-2017 31-03-2018 30-09-2018 (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 Reserves and Surplus 535 496 464 Deposits 10998 10920 10817 Borrowings 145 392 201 Other Liabilities and Provisions 254 225 237 TOTAL 12185 1
Slide 28: Way Forward
Way Forward • Systematic Growth in Deposits Liability Strategy • Increasing CASA • Increasing Retail / Low cost Deposits • Quality Advance Portfolio • Increasing Retail Advances Asset Strategy • Lending based on Collaterals Profitability Approach • Better Pricing • Relocating high Cost Premises & lo
Slide 29: 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 30: Dhanlaxmi Bank
Dhanlaxmi Bank established 1927