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Dhanlaxmi Bank

Dhanlaxmi Bank's net profit rose 144% yoy to INR 0.198 bil in 2Q2019

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...

Dhanlaxmi Bank's net profit rose 144% yoy to INR 0.198 bil in 2Q2019

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...

Dhanlaxmi Bank's market capitalisation (end of period) fell 7.17% to USD 58.7 mil in 2Q2019

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 ...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	3.32	3.46	3.47
Net Fee Income	INR bil	0.054	0.051	0.053
Other Income	INR bil	1.06	0.975	0.478
Total Revenues	INR bil	4.43	4.48	4.00
Operating Profit	INR bil	0.940	1.46	0.952
Provisions	INR bil	0.817	1.71	0.833
Net Profit	INR bil	0.124	-0.249	0.117

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	2.33	2.69	0.658
Customer Loans	INR bil	64.5	61.1	62.9
Total Assets	INR bil	123	123	118
Shareholders' Equity	INR bil	6.54	7.49	7.61
Interbank Borrowing	INR bil	0.492	0.338	0.302
Customer Deposits	INR bil	113	109	106
Issued Debt Securities	INR bil	1.45	3.92	2.00

Ratios		2016	2017	2018
ROE	%	2.13	-3.54	1.54
ROA	%	0.100	-0.202	0.097
Costs (As % Of Assets)	%	2.81	2.45	2.53
Costs (As % Of Income)	%	78.8	67.4	76.2
Capital Adequacy Ratio	%	10.3	13.9	13.8
Net Interest Margin	%	2.67	2.81	2.88
Loans (As % Of Deposits)	%	57.1	56.0	59.3
NPLs (As % Of Loans)	%	4.79	7.35	7.48
Provisions (As % Of NPLs)	%	47.1	58.4	69.3

Valuation		2016	2017	2018
Price/Earnings (P/E)		50.4	...	37.5
Price/Book Value (P/BV)		0.954	0.722	0.575
Dividend Yield	%	0	0	0
Earnings Per Share (EPS)	INR	0.590	-0.983	0.461
Book Value Per Share	INR	31.2	29.6	30.1
Dividend Per Share	INR	0	0	0

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summary	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil													2.76	2.80	2.99	3.05	3.32
Total Revenues	INR bil													3.90	3.53	3.84	3.81	4.43
Operating Profit	INR bil													0.468	-1.08	0.491	0.004	0.940
Net Profit	INR bil													0.026	-2.52	-2.41	-2.09	0.124
balance sheet
Interbank Loans	INR bil													4.27	10.5	6.21	2.54	2.33
Customer Loans	INR bil													77.8	79.4	76.7	69.5	64.5
Debt Securities	INR bil													45.1	44.8	48.5	37.9	41.9
Total Assets	INR bil													138	147	144	125	123
Shareholders' Equity	INR bil													7.66	7.36	7.24	5.08	6.54
Interbank Borrowing	INR bil													0.459	1.78	0.605	0.399	0.492
Customer Deposits	INR bil													112	121	124	114	113
Issued Debt Securities	INR bil													15.9	13.4	9.41	2.52	1.45
ratios
ROE	%													0.351	-33.5	-33.1	-34.0	2.13
ROA	%													0.018	-1.77	-1.66	-1.56	0.100
Costs (As % Of Assets)	%													2.41	3.24	2.30	2.84	2.81
Costs (As % Of Income)	%													88.0	131	87.2	99.9	78.8
Capital Adequacy Ratio	%													11.1	8.67	9.59	7.51	10.3
Net Interest Margin	%													1.94	1.96	2.06	2.27	2.67
Interest Income (As % Of Revenues)	%													70.8	79.3	77.9	79.9	74.9
Fee Income (As % Of Revenues)	%													2.27	1.88	1.56	1.56	1.23
Equity (As % Of Assets)	%													5.54	5.01	5.04	4.08	5.31
Loans (As % Of Deposits)	%													69.4	65.4	61.9	61.2	57.1
Loans (As % Assets)	%													56.2	54.0	53.4	55.8	52.3
NPLs (As % Of Loans)	%													4.82	5.98	7.01	6.37	4.79
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...						31.3	37.4	53.0	55.7	47.1
valuation
Market Capitalisation (End Of Period)	USD mil													71.1	73.5	87.0	52.4	91.9
Number Of Shares (Average)	mil													85.1	126	177	177	210
Share Price (End Of Period)	INR													45.8	36.1	30.9	19.6	29.8
Earnings Per Share (EPS)	INR													0.308	-20.0	-13.6	-11.8	0.590
Book Value Per Share	INR													90.0	58.5	40.8	28.6	31.2
Dividend Per Share	INR													0	0	0	0	0
Price/Earnings (P/E)						...							...	149	...	...	...	50.4	...
Price/Book Value (P/BV)														0.508	0.617	0.757	0.685	0.954
Dividend Yield	%													0	0	0	0	0
Earnings Per Share Growth	%	...												-102	-6,594	-32.0	-13.3	-105
Book Value Per Share Growth	%	...												5.18	-35.0	-30.2	-29.8	8.95

income statement	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil													13.1	12.9	12.8	12.0	10.9
Interest Cost	INR bil													10.3	10.1	9.85	9.00	7.57
Net Interest Income	INR bil													2.76	2.80	2.99	3.05	3.32
Net Fee Income	INR bil													0.088	0.067	0.060	0.059	0.054
Other Income	INR bil													1.05	0.667	0.787	0.707	1.06
Total Revenues	INR bil													3.90	3.53	3.84	3.81	4.43
Operating Cost	INR bil													3.44	4.62	3.34	3.81	3.49
Operating Profit	INR bil													0.468	-1.08	0.491	0.004	0.940
Provisions	INR bil													0.705	1.44	2.91	2.10	0.817
Extra and Other Cost	INR bil													-0.004	-0.001	-0.003	< -0.001	< -0.001
Pre-Tax Profit	INR bil													-0.233	-2.52	-2.41	-2.09	0.124
Tax	INR bil													-0.259	< 0.001	< 0.001	0	0
Minorities	INR bil													0	0	0	0	0
Net Profit	INR bil													0.026	-2.52	-2.41	-2.09	0.124
Dividends	INR bil													0	0	0	0	0
growth rates
Net Interest Income Growth	%	...												11.7	1.34	6.68	1.95	8.84
Net Fee Income Growth	%	...												4.04	-24.7	-10.2	-0.569	-8.68
Total Revenue Growth	%	...												0.053	-9.45	8.51	-0.563	16.1
Operating Cost Growth	%	...												-30.8	34.4	-27.6	13.9	-8.49
Operating Profit Growth	%	...												-144	-331	-145	-99.1	20,956
Pre-Tax Profit Growth	%	...												-79.7	983	-4.12	-13.3	-106
Net Profit Growth	%	...												-102	-9,706	-4.15	-13.3	-106
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...	...		0.165	0.131	0.126	0.113	0.110		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...	...	...	0.004	...	...	...	...	...	...

balance sheet	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil													5.10	6.30	6.69	5.79	5.75
Interbank Loans	INR bil													4.27	10.5	6.21	2.54	2.33
Customer Loans	INR bil													77.8	79.4	76.7	69.5	64.5
Debt Securities	INR bil													45.1	44.8	48.5	37.9	41.9
Fixed Assets	INR bil													1.36	2.12	2.03	1.79	2.14
Total Assets	INR bil													138	147	144	125	123
Shareholders' Equity	INR bil													7.66	7.36	7.24	5.08	6.54
Of Which Minority Interest	INR bil													0	0	0	0	0
Liabilities	INR bil													131	140	136	120	117
Interbank Borrowing	INR bil													0.459	1.78	0.605	0.399	0.492
Customer Deposits	INR bil													112	121	124	114	113
Sight Deposits	INR bil													9.47	9.04	10.1	7.44	7.58
Term Deposits	INR bil													103	112	114	106	105
Issued Debt Securities	INR bil													15.9	13.4	9.41	2.52	1.45
Other Liabilities	INR bil													2.24	3.04	2.44	3.09	1.91
asset quality
Non-Performing Loans	INR bil													3.80	4.86	5.58	4.59	3.16
Gross Loans	INR bil													79.0	81.2	79.7	72.1	66.0
Total Provisions	INR bil	...	...	...	...	...	...	...						1.19	1.82	2.96	2.56	1.49
growth rates
Customer Loan Growth	%	...												-11.2	2.04	-3.35	-9.35	-7.28
Total Asset Growth	%	...												-5.77	6.20	-2.29	-13.2	-1.04
Shareholders' Equity Growth	%	...												5.18	-3.87	-1.69	-29.8	28.8
Customer Deposit Growth	%	...												-5.10	8.31	2.05	-8.30	-0.529
market share
Market Share in Customer Loans	%	...	...	...	...									0.141	0.123	0.108	0.087	0.078		...
Market Share in Total Assets	%													0.159	0.145	0.129	0.099	0.087		...
Market Share in Customer Deposits	%													0.178	0.169	0.152	0.124	0.106		...

ratios	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%													0.351	-33.5	-33.1	-34.0	2.13
ROA	%													0.018	-1.77	-1.66	-1.56	0.100
Costs (As % Of Assets)	%													2.41	3.24	2.30	2.84	2.81
Costs (As % Of Income)	%													88.0	131	87.2	99.9	78.8
Capital Adequacy Ratio	%													11.1	8.67	9.59	7.51	10.3
Tier 1 Ratio	%													8.05	6.93	7.42	6.12	9.01
Net Interest Margin	%													1.94	1.96	2.06	2.27	2.67
Interest Spread	%	...												1.54	1.57	1.70	1.95	2.37
Asset Yield	%													9.18	9.06	8.84	8.98	8.78
Cost Of Liabilities	%	...												7.64	7.49	7.14	7.03	6.41
Payout Ratio	%													0	0	0	0	0
Interest Income (As % Of Revenues)	%													70.8	79.3	77.9	79.9	74.9
Fee Income (As % Of Revenues)	%													2.27	1.88	1.56	1.56	1.23
Other Income (As % Of Revenues)	%													26.9	18.9	20.5	18.5	23.8
Equity (As % Of Assets)	%													5.54	5.01	5.04	4.08	5.31
Loans (As % Of Deposits)	%													69.4	65.4	61.9	61.2	57.1
Loans (As % Assets)	%													56.2	54.0	53.4	55.8	52.3
NPLs (As % Of Loans)	%													4.82	5.98	7.01	6.37	4.79
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...						31.3	37.4	53.0	55.7	47.1
Provisions (As % Of Loans)	%	...	...	...	...	...	...	...						1.53	2.29	3.85	3.68	2.31
Cost of Provisions (As % Of Loans)	%													0.852	1.83	3.73	2.87	1.22

other data	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...												2,601	2,430	2,279	2,185	2,021
Sight (As % Of Customer Deposits)	%													8.46	7.45	8.19	6.55	6.71

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Dhanlaxmi Bank

Dhanlaxmi Bank's net profit rose 144% yoy to INR 0.198 bil in 2Q2019

Dhanlaxmi Bank's net profit rose 144% yoy to INR 0.198 bil in 2Q2019

Dhanlaxmi Bank's market capitalisation (end of period) fell 7.17% to USD 58.7 mil in 2Q2019

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Dhanlaxmi Bank's market capitalisation (end of period) fell 7.17% to USD 58.7 mil in 2Q2019

Dhanlaxmi Bank's npls (as % of loans) rose 1.70% yoy to 7.48% in 1Q2019

Dhanlaxmi Bank's npls (as % of loans) rose 1.70% yoy to 7.48% in 1Q2019

Dhanlaxmi Bank's customer deposits fell 6.76% yoy to INR 112 bil in 3Q2016

Dhanlaxmi Bank's customer deposits fell 6.76% yoy to INR 112 bil in 3Q2016

Dhanlaxmi Bank's net interest margin rose 5.07% yoy to 2.94% in 1Q2019

Dhanlaxmi Bank's net interest margin rose 5.07% yoy to 2.94% in 1Q2019

Dhanlaxmi Bank's capital adequacy ratio rose 5.97% yoy to 13.8% in 2Q2019

Dhanlaxmi Bank's capital adequacy ratio rose 5.97% yoy to 13.8% in 2Q2019

Dhanlaxmi Bank's price/earnings (P/E) remain unchanged yoy at 37.5 in 2Q2019

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