#1Dhanlaxmi Bank established 1927 INVESTOR PRESENTATION September 2021#2COMPANY OVERVIEW THE DHANALAKSHMI BANK L PLATINUM JUBILEE CELEBRATION ATM THE DHANALANS BANK LTD DhanlaxmiBo 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. Incorporated in 1927 at Thrissur, Kerala. Over the 93 years that followed, Bank has earned the trust and goodwill of clients. 520 touch points including 245 branches, 258 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customer services and personalized relationships. Total Employees: 1644 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#3COMPANY OVERVIEW 2021 Consistent profit for last thirteen Quarters, Capital adequacy Ratio of 13.64% 2020 2013 to 2018 2012 2011 2010 2009 2008 2003 Highest ever profit of Rs 65.78Crs. Raised a total of Rs 7677.73 million during 2013 to 2018 through Preferential allotment/ Qualified Institutional Placement as Equity/Tiire Il Bonds. Awarded the Asian Banker Technology Implementation award - International award for Best branch automation Awarded the "Best Mid-sized Bank in Growth Category" by Business Today- KPMG survey. Awarded the Information Week EDGE Award 2011 for IT transformation Launched new "Dhanlaxmi Bank" brand. Total business* of Rs. 1,00,000 Million. Raised Rs.3,800 Millions by way of Qualified Institutional Placement. Opened 250th branch. Recorded net profit of Rs.574.5 Million. Reached a milestone of 200 branches with Kolkata branch in East Region. Total business of Rs. 75,000 Million. Second Rights Issue. All branches under core banking technology. Introduced Core Banking 2000 Installed first ATM 1996 Raised Rs. 240 million in IPO and listed Equity Shares on the National Stock Exchange, Bombay Stock Exchange and the Cochin Stock Exchange 1989 First branch outside Southern region was opened in Mumbai. Designated as scheduled commercial bank by the Reserve Bank of India (RBI). 1977 1975 1927 Set up the first branch outside the home state of Kerala, at Mount Road, Chennai -Tamilnadu Incorporated in Thrissur, Kerala INVESTOR PRESENTATION | September 2021 Dhanlaxmi Bank established 1927#4PROFILE OF BOARD OF DIRECTORS Mr. G Subramonia lyer (Par time Chairman) Mr G. Subramonia lyer, 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, Planning & Development, Credit, Risk, IT, International Operations, Recovery Mr. Shivan J.K (Managing Director & CEO) Mr Shivan J.K has 37 years of experience in State Bank of India (SBI) and has handled various areas of commercial banking. He has headed corporate banking, international & forex operations and was also involved in retail advances and agriculture credit. He also has experience as Branch/ Regional Head in SBI. Shri. Shivan J.K retired as Chief General Manager of Stressed Assets Resolution Group of SBI. He is an MBA and graduate in Agriculture and has also passed the CAIIB from Indian Institute of Bankers. Mr. C.K.Gopinathan (Director) Mr. C.K.Gopinathan is promoter Director of C.K.G.Supermarket. He was also Director in the Catholic Syrian Bank Limited for 8 years. Mr. C.K.Gopinathan is a major share holder of our Bank. He has more than 25 years of experience in finance sector. INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#5PROFILE 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 (Independent Director) Dr. (Capt.) Suseela Menon R is a post graduate in commerce and holds a doctorate in Economics. She has more than 21 years of experience as faculty of Commerce, Management Accounting, Cost Accounting, Financial Management, Economics and other Management-related subjects. She retired as Professor of Commerce. Mr. G Rajagopalan Nair (Independent Director) Mr. G. Rajagopalan Nair, a post graduate in Electronics and Communication. has an experience of 21 years in banking and 23 years in banking related Information Technology and Fintech companies. He had retired from Federal Bank as General Manager - Information Technology. Mr. G. Rajagopalan Nair was IT consultant of CSB Bank and Bahwan Cybertek. He had undertaken software implementation for variuos banks in India and abroad. Mr. D K Kashyap (RBI Additional Director) Mr. D K Kashyap has been appointed as Additional Director by Reserve Bank of India for a period of two years w.e.f September 28, 2020 to September 27, 2022 or till further orders of RBI. INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#6PROFILE OF KEY MANAGEMENT PERSONNEL Mr. Ramesh A J Chief Financial Officer . Experience of 34 years in banking sector. Worked in SBI/SBT in various areas like Finance & Accounts, Large Value Credit intensive branches etc. He holds a degree in chemistry and is also a Certified Associate of the Indian Institute of Bankers (CAIIB). He is also a qualified Chartered Accountant. Mr. Venkatesh H Company Secretary He is an Associate Member (ACS) of the Institute of Company Secretaries of India and joined in the Bank on 04.11.2013 as Assistant Company Secretary. He holds M Com, JAIIB He is also an associate member of Institute of Chartered Accountants of India and an Associate member of Institute of Cost Accountants of India. INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#7PROFILE OF SENIOR MANAGEMENT Mr. L Chandran General Manager Worked in Government sector, Public Sector Financial Institution for about 7 years and Bank for 19 years in different capacities in various geographical areas. A post graduate in Science, he holds an MBA (Finance) and B.Ed. Degree. He is also a Certified Associate of the Indian Institute of Bankers. Mr. John Varughese (Head IT, Digital Banking) Mr. Manoj Kumar S Chief Credit Officer 28 years experience in IT & Banking of which 23 years in Banking Domain. Worked as Head - Alternate Channels, AGM-IT and Regional Head, Engineering graduate with MBA(Banking & Finance). He is also a Certified Information System Auditor (CISA) and Certified Associate of the Indian Institute of Bankers (CAIIB). A Credit Manager having 30 years of exposure in India and overseas, having worked in Retail/SME/ Credit, Credit Administration and Recovery functions. A post Graduate in Commerce, he worked previously in Can Fin Homes Ltd, ICICI Bank, First Gulf Bank, UAE & India Bulls HFC prior to joining Dhanlaxmi Bank Mr. Rajan Sleeba Head-Human Resources Department Mr. Surendran A V Head-Treasury 36 years of experience in banking sector including working with Federal Bank etc., a Post Graduated in law (LLM) and Certified Associate of the Indian Institute of Bankers (CAIIB). Worked as Regional Head North, Thrissur and Thiruvananthapuram. 33 Years of experience in banking sector with specialization in Treasury Management for last 14 years. He is a science Graduate and Junior Associate of the Indian Institute of Bankers(JAIIB) INVESTOR PRESENTATION | September 2021 Dhanlaxmi Bank established 1927#8PROFILE OF SENIOR MANAGEMENT Mr. Santoy John Chief Compliance Officer Mr. Satheesan V Chief Vigilance Officer Mr. Binoy B S Head- Internal Audit 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 of Bankers (CAIIB). He is holding Postgraduate Certificate programme in Business Management from XIMB Bhubaneswar 23 years of experience in banking sector including working with Indian Overseas Bank. In addition to being a Law graduate he also holds Master of Business Law and MBA (International Business). Has the Additional charge of Legal Department. 25 years of experience in banking sector including working with South Indian Bank Ltd. He is a Post Graduate in law (LLM) and Certified Associate of the Indian Institute of Bankers (CAIIB). Worked as AGM Credit Monitoring with Additional charge of Chief Credit Officer. Mr. Sreekumar M P Regional Head-North Mr. Sunny George Regional Head-West 29 Years of experience in banking sector including working with South Malabar Gramin Bank. He is a Science Graduate and Certified Associate of the Indian Institute of Bankers (CAIIB). Worked as Regional Head Thiruvananthapuram and Kozhikode. He had also served as the Chief Compliance Officer and Head - Inspection prior to the present assignment, 27 Years of experience in banking sector including his stint with Catholic Syrian Bank. A graduate as well as a Certified Associate of the Indian Institute of Bankers (CAIIB), he also holds a PG Diploma in Marketing & Sales, Diploma in Treasury Investments and MBA(International Business). Worked as Regional Head Tamil Nadu. INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#9OVERVIEW OF DISTRIBUTION "520 touch points including 245 branches, 258 ATMs and 17 BCs across 14 States and 1 Union Territory; our focus has always been on customer services and personalizing relations" Kerala Tamil Nadu Maharashtra 2 19 34 INVESTOR PRESENTATION | September 2021 State % of distribution 57.96 13.88 7.76 Karnataka 4.9 Andhra Pradesh 3.67 Telangana 2.45 Gujarat 2.04 NCT of Delhi 1.63 Uttar Pradesh 1.63 West Bengal 1.22 Haryana 0.82 Rajasthan 0.82 Chandigarh 0.41 Madhya Pradesh 0.41 Punjab 0.41 Population No of Branches Metropolitan 58 Urban 62 Semi-urban 106 Rural 19 DhanlaxmiBank established 1927#10SHAREHOLDING PATTERN SHAREHOLDING PATTERN SHAREHOLDING 1% & ABOVE (AS ON SEPTEMBER 30, 2021) Share Holder % of Stake B RAVINDRAN PILLAI 9.999 GOPINATHAN CK 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 P RAJA MOHAN RAO 2.437 MARSHAL GLOBAL CAPITAL FUND LTD 2.173 ANTARA INDIA EVERGREEN FUND LTD 2.154 NICHE FINANCIAL SERVICES PVT LTD 2.134 SUASHISH DIAMONDS LIMITEDASHISH 1.709 RAMESHKUMAR GOENKA MOHANACHANDRAN NAIR B 1.599 ELARA INDIA OPPORTUNITIES FUND LIMITED 1.586 B GOVINDAN 1.519 VIJAY KUMAR SANGHVI 1.421 HAREENDRAN C K 1.383 AGNUS VENTURES LLP 1.383 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#11COMPREHENSIVE RANGE OF PRODUCTS Deposits Corporate Products Retail Products Other Services Technology Related Products Distribution of General and Retail & Corporate Internet Current Account Cash Credit* Agriculture/Kissan Vahana Loan/ Kissan Card Life Insurance products. Banking Overdraft Home Loan/Loan against property Mutual Fund Distribution Missed Call Services Savings Account Term Deposit Corporate Salary NRE Account NRO Account Foreign Currency Non Repatriable Fixed Deposit 3 in 1 account (Saving Account, Demat Account & Trading Account) Business Correspondents Term Loans Corporate Loans Project Finance Bill Advance and Packing Credit Advance Foreign Currency Loans Invoice/Dealer Financing Lease Rental Discounting Office Equipment Loan Gold Loan/ Loan against Sovereign Gold Bonds Vehicle Loan Depository Services Live Stock Loan Locker Services Forex Services Personal Loans/ Educational Loan Loan against LIC policy/ Deposit/ Overdraft against Shares Micro Credit Loan/ Self Help Group Loans Medical Equipment Loan International Debit cards / Credit Cards / Gift Cards/ Forex Cards Bankers to Issue /ASBA Cash Management Services/ Aadhaar Based Payments Import Export related services Sovereign Gold Bonds PAN Card Services Mobile Banking IMPS e-IT Return Filing Remittances - Real Time Gross Settlement (RTGS) / National Electronics Funds Transfer (NEFT)/MTS Online trading Point of Sale Pay Smart Bill Payment New Product under Cash Credit- DHANAM GST BUSINESS LOAN is also available INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#12PERFORMANCE OVERVIEW Profitability Growth Momentum Continuous 13th Quarter Profit, Q2 net profit Rs 3.66Crores Operating Profit for the Q2 of FY 21-22 has been increased to Rs. 26.06 Crs as against Rs. 18.30 Crs for Q2 of FY 20-21. Total business of the bank reached Rs. 18889 Crs as on 30th September 2021 from Rs. 18496 Crs as on 30th September 2020 registering growth of 2.13%. Deposit record a YOY growth of 4.22% as on 30.09.2021. CASA % increased from 31% to 34% as on 30th September 2021. Advance under SME grew by 22.90% on YOY basis to reach Rs. 1170 Crs as on 30.09.2021. Gold loan registered a growth of 4.43% to reach Rs. 1719 Crs. Capitalized & Strong Liquidity position Strong capital Comfort with a CRAR of 13.64% as on 30.09.2021. Tier I ratio of 10.98% Asset Quality Gross NPA decreased from 9.27% as on 30.06.2021 to 8.67% as 30.09.2021. INVESTOR PRESENTATION | September 2021 Dhanlaxmi Bank established 1927#13CRAR & LIQUIDITY PERFORMANCE HIGHLIGHTS-CRAR 10.62 11.31 11.75 10.98 48.74 RWA TO TOTAL ASSETS 46.25 45 47.34 3.1 3.16 2.82 2.66 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Tier I Tier II LIQUIDITY COVERAGE RATIO (LCR) 752.69 664.23 1084.1 936.45 13.72 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 CAPITAL ADEQUACY RATIO 14.57 14.47 13.64 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 DhanlaxmiBank established 1927#14PROFITABILITY RATIOS 30-09-2020 Particulars (Reviewed) 31-03-2021 (Audited) 30-06-2021 (Reviewed) 30-09-2021 (Reviewed) Gross Advances (in crore) 7060 7122 6917 6971 Deposits (in crore) 11436 11712 11658 11918 GNPA% 6.36 9.23 9.27 8.67 NNPA% 1.66 4.76 4.58 4.92 NIM % ROA % ROE % 2.88 2.82 2.66 2.85 0.32 0.29 0.21 0.16 4.73 4.30 3.13 2.38 Cost/Income Ratio % 71.23 81.47 85.08 82.14 CASA to Total Deposits % 31 33 33 34 Market Capitalization (in crore) 311.20 375.22 400.27 409.88 Book Value Per Share (Rs.) 33.48 34.15 34.42 34.57 CRAR % 13.72 14.47 14.57 13.64 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#15PROFITABILITY RATIOS 18.3 OPERATING PROFIT Q o Q 16.05 26.06 Q2 FY21 -4.1 Q4 FY21 Q1 FY22 Q2 FY22 14.01 NET PROFIT QOQ 6.79 5.28 3.66 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#16BUSINESS OVERVIEW TOTAL DEPOSITS (Amt in Cr) 11436 11712 11658 11918 COST OF DEPOSITS % 5.43 7865 7804 7799 7922 5.17 3571 3908 3859 3996 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 TD CASA CSA RATIO 4.64 4.60 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 TREND IN MOVEMENT OF CASA & RETAIL TD % 34 33 33 31 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 53 RETAIL TD RATIO 51 51 51 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 DhanlaxmiBank established 1927#17BUSINESS OVERVIEW ADVANCE PORTFOLIO- GROSS ADVANCE (Amt in Crs) 7060 7122 6917 6971 100% 1750 1746 1738 1692 80% 60% 1646 1862 1822 1719 952 40% 1005 917 1170 766 799 735 731 20% 1946 1710 1705 1659 0% Q1 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Corporate Agri & Micro SME Gold Retail Corporate 24% Gold Loans 25% Agri and MFI 10% Retail 24% (excluding Gold Loan) SME 17% INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#18BUSINESS OVERVIEW INCOME & MARGINS NET INTEREST INCOME Net Interest Non Interest Net Interest FY Income Income Margin (%) 89 91 80 71 Q2FY 21 89 6 2.88 Q4FY 21 71 20 2.82 Q1FY 22 80 28 2.66 Q2FY 22 91 38 2.85 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 2.88 NET INTEREST MARGIN % 2.82 2.66 2.85 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 6 NON INTEREST INCOME 29 29 18 28 Q2 FY21 Q4 FY21 Q1 FY22 38 Q2 FY22 DhanlaxmiBank established 1927#19BUSINESS OVERVIEW YIELD ON ADVANCE 10.28 9.99 9.12 INCOME & MARGINS 71.23 9.56 COST INCOME RATIO 85.08 81.47 82.14 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#20BUSINESS OVERVIEW Particulars Gross NPA ratio (%) Net NPA ratio (%) Provision Coverage ratio (%) GROSS NPA RATIO (%) ASSET QUALITY 30-09-2020 (Audited) 31-03-2021 (Reviewed) 30-06-2021 (Audited) 30-09-2021 (Reviewed) 6.36 9.23 9.27 8.67 1.66 4.76 4.58 4.92 89.32 74.20 75.66 74.18 9.23 9.27 8.67 6.36 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 1.66 NET NPA RATIO (%) 4.76 4.92 4.58 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 PROVISION COVERAGE RATIO (%) 89.32 74.2 75.66 74.18 Q2 FY21 Q4 FY21 Q1 FY22 Q2 FY22 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#21BUSINESS RESULT For the quarter ended For the Half Year ended Year Ended Growth YOY Particulars (YOY) Growth % 243.97 Interest Income 30.09.2020 30.06.2021 30.09.2021 30.09.2020 30.09.2021 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) 31.03.2021 (Audited) 218.10 229.01 480.62 447.10 930.75 (33.52) (6.97) Interest Expenses 155.31 138.60 138.35 312.90 276.95 601.10 (35.95) (11.49) Net Interest Income 88.66 79.50 90.66 167.72 170.16 329.65 2.44 1.45 Non Interest Income 5.69 28.08 37.58 48.45 65.66 119.62 17.21 35.53 Operating Expenses 76.05 91.53 102.18 153.97 193.71 366.04 39.74 25.81 Operating Profit 18.30 16.05 26.06 62.20 42.11 83.23 (20.09) (32.30) Provisions and Contingencies 4.29 9.26 22.40 42.10 31.66 46.04 (10.44) (24.79) Net Profit 14.01 6.79 3.66 20.10 10.45 37.19 (9.65) (48.03) INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#22SUMMARY OF FINANCIALS - BALANCE SHEET Particulars CAPITAL AND LIABILITIES Capital Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions TOTAL 30.06.2020 (Reviewed) 31.03.2021 (Audited) 30.06.2021 30.06.2021 (Reviewed) (Reviewed) 253 253 253 253 594 611 618 622 11436 11712 11658 11918 150 150 150 150 280 370 239 289 12713 13096 12918 13232 ASSETS Cash and Balances with Reserve Bank of India 516 602 638 596 Balances with Banks and Money at call and short notice 562 383 325 487 Investments 3990 4439 4525 4594 Advances 6720 6787 6576 6696 Fixed Assets 210 225 225 223 Other Assets * 715 660 628 636 TOTAL 12713 13096 12918 13232 * Out of Which RIDF/RHF/MSME Deposits 327 268 249 247 Contingent Liabilities Bills for collection 473 413 428 413 473 301 306 305 INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#23WAY FORWARD Increasing CASA with quality acquisition. Liability Strategy Improve value of account through sale of other products PROFITABILITY APPROACH Business Strategy Optimising Cost Focus on Non Interest Income Other Initiatives Growth in Retail Deposits. Quality Advance Portfolio Increasing Retail Advances including Housing Loan, Car Loan, Gold Loan and Loan against property. Lending based on Cash flow of activities & Collaterals Better Pricing Relocating higher rental Premises & relocating low hit ATMs Negotiation with vendors for competitive pricing Cost Rationalization & monitoring Focus on recovery efforts using provisions of IBC, RR,OTS etc Effective Cross Selling of Third party products with increased number of products Increase in Non Fund based business Plugging income leakage. Leveraging benefits of IT Transformation -Digital Onboarding Publicity of various facilities / products available with the bank. Effective use of data mining tools for product selling. Improving Brand Visibility INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#24DISCLAIMER 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 in whole or in part, for any purpose. By attending this presentation, you are agreeing to be bound by the foregoing restrictions and to maintain absolute confidentiality regarding the information disclosed in these materials. 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The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. THIS PRESENTATION DOES NOT CONSTITUTE OR FORM ANY PART OF ANY OFFER, INVITATION OR RECOMMENDATION TO PURCHASE OR SUBSCRIBE FOR ANY SECURITIES IN THE UNITED STATES OR ELSEWHERE. INVESTOR PRESENTATION | September 2021 DhanlaxmiBank established 1927#25THANK YOU Dhanlaxmi Bank established 1927 Banking on Relationships forever