DHANLAXMI BANK

Presented by:
Anju Kurup
ABOUT DHANLAXMI BANK
 Private sector bank
started on Nov 1927
 Headquarters:
Thrissur, Kerala
 Focus:
Karnataka, Tamil
Nadu, Andhra
Pradesh and Kerala
(Southern states)
BUSINESS OFFERINGS
PROMOTERS
 There are no promoters for the bank.
SHAREHOLDING PATTERN

Source: http://www.dhanbank.com
 CAPITAL STRUCTURE

Source: www.moneycontrol.com
 STOCK QUOTE/CURRENT
MARKET PRICE

Source: www.moneycontrol.com
 RATIOS

Source: www.moneycontrol.com
 RATIOS CONTD…

Source: www.moneycontrol.com
 RATIOS CONTD…

Source: www.moneycontrol.com
 PEER COMPARISON

Source: www.moneycontrol.com
 PEER COMPARISON (TOTAL ASSETS)

Source: www.indiainfoline.com
 DIVIDEND, BONUS, RIGHTS AND
SPLITS

 No bonus or stock splits declared till date.

Source: www.moneycontrol.com
 SWOT ANALYSIS
• Professional, dedicated and • Confined area of
trained manpower operations
• High efficiency • Limited number of
• Fully computerized and techno branches
savvy • High employee turnover

Strengths
Weaknesses

• High level of autonomy enabling

Threats
Opportunities
faster decision making • Threat from increasing
• Innovation in products & foreign banks
services • Frequent M&A by
• New ways for CRM (like smart public sector banks
card system) • Continuous change in
rates (CRR, SLR etc) by
RBI which affects
profitability
SHOULD YOU INVEST OR NOT?
 NO
 Quantitative Factors
 Profitability decreased
 Increased P/E, decreased EPS, Margins
 Better options for investments like Karur Vysya Bank,
J&K Bank which come under the same category
 Qualitative Factors
 Interest rates are increasing
 Increased pressure on margins
 BASEL-III norms will be implemented in 2 years’ time.
 Likely to increase capital adequacy due to change in
risk management policies.