By Helgi Library - November 3, 2019
Dhanlaxmi Bank made a net profit of INR 0.198 bil under revenues of INR 1.06 bil in the second quarter of 2019, up 144% and 9...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank stock traded at INR 16.0 per share at the end of second quarter of 2019 implying a market capitalization of USD 58.7 ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's non-performing loans reached 7.48% of total loans at the end of 2019-03-31, up from 7.35% compared to the previo...
| Profit Statement | Dec 2018 | Mar 2019 | Jun 2019 | |
| Net Interest Income | INR bil | 0.912 | 0.870 | 0.901 |
| Net Fee Income | INR bil | 0 | 0 | 0 |
| Other Income | INR bil | 0.271 | 0.271 | 0.163 |
| Total Revenues | INR bil | 1.18 | 1.14 | 1.06 |
| Operating Profit | INR bil | 0.371 | 0.439 | 0.291 |
| Provisions | INR bil | 0.202 | 0.163 | 0.093 |
| Net Profit | INR bil | 0.169 | 0.276 | 0.198 |
| Balance Sheet | Dec 2018 | Mar 2019 | Jun 2019 | |
| Interbank Loans | INR bil | 1.32 | 0.658 | ... |
| Customer Loans | INR bil | 61.1 | 62.9 | ... |
| Total Assets | INR bil | 119 | 118 | ... |
| Shareholders' Equity | INR bil | 7.39 | 7.61 | ... |
| Interbank Borrowing | INR bil | ... | 0.302 | ... |
| Customer Deposits | INR bil | 107 | 106 | ... |
| Issued Debt Securities | INR bil | 2.01 | 2.00 | ... |
| Ratios | Dec 2018 | Mar 2019 | Jun 2019 | |
| ROE | % | 9.29 | 14.7 | ... |
| ROA | % | 0.567 | 0.933 | ... |
| Costs (As % Of Assets) | % | 2.72 | 2.37 | ... |
| Costs (As % Of Income) | % | 68.7 | 61.5 | 72.6 |
| Capital Adequacy Ratio | % | 13.5 | 13.8 | 13.9 |
| Net Interest Margin | % | 3.06 | 2.94 | ... |
| Loans (As % Of Deposits) | % | 57.1 | 59.3 | ... |
| NPLs (As % Of Loans) | % | ... | 7.48 | ... |
| Provisions (As % Of NPLs) | % | ... | 69.3 | ... |
| Valuation | Dec 2018 | Mar 2019 | Jun 2019 | |
| Price/Earnings (P/E) | ... | 37.5 | 5.29 | |
| Price/Book Value (P/BV) | 0.575 | 0.575 | ... | |
| Dividend Yield | % | 0 | 0 | 0 |
| Earnings Per Share (EPS) | INR | -1.31 | 0.448 | 3.02 |
| Book Value Per Share | INR | 29.2 | 29.2 | ... |
| Dividend Per Share | INR | 0 | 0 | 0 |
Get all company financials in excel:
| income statement | Unit | Apr 2024 | Jun 2019 |
| income statement | |||
| Interest Income | INR bil | ... | |
| Interest Cost | INR bil | ... | |
| Net Interest Income | INR bil | ... | |
| Net Fee Income | INR bil | ... | |
| Other Income | INR bil | ... | |
| Total Revenues | INR bil | ... | |
| Operating Cost | INR bil | ... | |
| Operating Profit | INR bil | ... | |
| Provisions | INR bil | ... | |
| Extra and Other Cost | INR bil | ... | |
| Pre-Tax Profit | INR bil | ... | |
| Tax | INR bil | ... | |
| Minorities | INR bil | ... | |
| Net Profit | INR bil | ... | |
| growth rates | |||
| Net Interest Income Growth | % | ... | |
| Total Revenue Growth | % | ... | |
| Operating Cost Growth | % | ... | |
| Operating Profit Growth | % | ... | |
| Pre-Tax Profit Growth | % | ... | |
| Net Profit Growth | % | ... | |
| market share | |||
| Market Share in Revenues | % | ... | ... |
| Market Share in Net Profit | % | ... | ... |
| balance sheet | Unit | Apr 2024 | Jun 2019 |
| balance sheet | |||
| Cash | INR bil | ... | ... |
| Interbank Loans | INR bil | ... | ... |
| Customer Loans | INR bil | ... | ... |
| Debt Securities | INR bil | ... | ... |
| Fixed Assets | INR bil | ... | ... |
| Total Assets | INR bil | ... | ... |
| Shareholders' Equity | INR bil | ... | ... |
| Of Which Minority Interest | INR bil | ... | ... |
| Liabilities | INR bil | ... | ... |
| Interbank Borrowing | INR bil | ... | ... |
| Customer Deposits | INR bil | ... | ... |
| Sight Deposits | INR bil | ... | ... |
| Issued Debt Securities | INR bil | ... | ... |
| Other Liabilities | INR bil | ... | ... |
| asset quality | |||
| Non-Performing Loans | INR bil | ... | ... |
| Gross Loans | INR bil | ... | ... |
| Total Provisions | INR bil | ... | ... |
| growth rates | |||
| Customer Loan Growth | % | ... | ... |
| Total Asset Growth | % | ... | ... |
| Shareholders' Equity Growth | % | ... | ... |
| Customer Deposit Growth | % | ... | ... |
| market share | |||
| Market Share in Customer Loans | % | ... | ... |
| Market Share in Total Assets | % | ... | ... |
| Market Share in Customer Deposits | % | ... | ... |
| ratios | Unit | Apr 2024 | Jun 2019 |
| ratios | |||
| ROE | % | ... | ... |
| ROA | % | ... | ... |
| Costs (As % Of Assets) | % | ... | ... |
| Costs (As % Of Income) | % | ... | |
| Capital Adequacy Ratio | % | ... | |
| Tier 1 Ratio | % | ... | ... |
| Net Interest Margin | % | ... | ... |
| Interest Spread | % | ... | ... |
| Asset Yield | % | ... | ... |
| Cost Of Liabilities | % | ... | ... |
| Payout Ratio | % | ||
| Interest Income (As % Of Revenues) | % | ... | |
| Fee Income (As % Of Revenues) | % | ... | |
| Other Income (As % Of Revenues) | % | ... | |
| Equity (As % Of Assets) | % | ... | ... |
| Loans (As % Of Deposits) | % | ... | ... |
| Loans (As % Assets) | % | ... | ... |
| NPLs (As % Of Loans) | % | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... |
| Provisions (As % Of Loans) | % | ... | ... |
| Cost of Provisions (As % Of Loans) | % | ... | ... |
| other data | Unit | Apr 2024 | Jun 2019 |
| other data | |||
| Employees | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | ... |
Get all company financials in excel:
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's customer deposits reached INR 112 bil in 2016-09-30, down 0.647% compared to the previous year. Indian banking sector accepted customer deposits of INR 99,408 bil in 2016-09-30, up 4.01% when compared to the last year. Dhanlaxmi Bank acco...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's net interest margin amounted to 2.94% in the first quarter of 2019, down from 3.06% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.06% in 4Q2018 and an all time low of 1...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's capital adequacy ratio reached 13.8% at the end of first quarter of 2019, up from when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 14.6% in 3Q2010 and an all time low of 7.51% in 1Q2016. T...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank stock traded at INR 16.8 per share at the end first quarter of 2019 implying a market capitalization of USD 63.3 mil. Since the end of 1Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank generated total banking revenues of INR 1.14 bil in the first quarter of 2019, down 1.13% when compared to the same period of last year and 3.53% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank stock traded at INR 16.8 per share at the end of first quarter of 2019 implying a market capitalization of USD 63.3 mil. Over the last five years, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's Equity reached 7.38% of total assets in the 1Q2019, down from 7.68% for the previous year. As a share of net customer loans, the ratio amounted to 19.5% at the end of the first quarter of 2019. ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's customer loan growth reached 2.93% in 2019-03-31, up from -5.21% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 81.1% in 2011-03-31 and an all time low of -25.6% in 2012-09-30. In the last...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's net interest margin amounted to 2.88% in 2018, up from 2.81% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.07% in 2006 and an all time low of 1.71% in 2011. The average margin ...
By Helgi Library - November 3, 2019
Dhanlaxmi Bank's capital adequacy ratio reached 13.8% at the end of 2018, down from 13.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.4% in 2008 and an all time low of 7.51% in 2015. The Tier 1 ratio amount...
Dhanlaxmi Bank has been growing its revenues and asset by 7.13% and 7.66% a year on average in the last 10 years. Its loans and deposits have grown by 7.00% and 7.87% a year during that time and loans to deposits ratio reached 59.3% at the end of 2018. The company achieved an average return on equity of -10.5% in the last decade with net profit growing -14.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 76.2% in 2018, compared to 92.5% average in the last decade.
Equity represented 6.45% of total assets or 12.1% of loans at the end of 2018. Dhanlaxmi Bank's non-performing loans were 7.48% of total loans while provisions covered some 69.3% of NPLs at the end of 2018.
Dhanlaxmi Bank stock traded at INR 17.3 per share at the end of 2018 resulting in a market capitalization of USD 62.7 mil. Over the previous five years, stock price fell by 52% or 13.7% a year on average. That’s compared to an average ROE of -13.4% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 37.5x and price to book value (PBV) of 0.575x in 2018.
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