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Lakshmi Vilas Bank

Lakshmi Vilas Bank's npls (as % of loans) rose 53.4% to 15.3% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's non-performing loans reached 15.3% of total loans at the end of 2018, up from 10.0% compared to the previous...

Lakshmi Vilas Bank's npls (as % of loans) rose 53.4% to 15.3% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's non-performing loans reached 15.3% of total loans at the end of 2018, up from 10.0% compared to the previous...

Lakshmi Vilas Bank's net profit fell 52.9% to INR -8.94 bil in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank made a net profit of INR -8.94 bil under revenues of INR 8.10 bil in 2018, up -52.9% and -28.8% respectively compa...

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Get all company financials in excel:

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Lakshmi Vilas Bank's net profit fell 52.9% to INR -8.94 bil in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank made a net profit of INR -8.94 bil under revenues of INR 8.10 bil in 2018, up -52.9% and -28.8% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of INR 2.56 bil in 2016 and an all time low of ...

Lakshmi Vilas Bank's net interest margin fell 27.1% to 1.53% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's net interest margin amounted to 1.53% in 2018, down from 2.10% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.34% in 2000 and an all time low of 1.53% in 2018. The average m...

Lakshmi Vilas Bank's net interest margin fell 27.1% to 1.53% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's net interest margin amounted to 1.53% in 2018, down from 2.10% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.34% in 2000 and an all time low of 1.53% in 2018. The average m...

Lakshmi Vilas Bank's capital adequacy ratio fell 25.6% to 7.72% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's capital adequacy ratio reached 7.72% at the end of 2018, down from 10.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.2% in 2009 and an all time low of 7.72% in 2018. The Tier 1 ratio am...

Lakshmi Vilas Bank's capital adequacy ratio fell 25.6% to 7.72% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's capital adequacy ratio reached 7.72% at the end of 2018, down from 10.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.2% in 2009 and an all time low of 7.72% in 2018. The Tier 1 ratio am...

Lakshmi Vilas Bank's customer loan growth fell 356% to -22.0% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's customer loan growth reached -22.0% in 2018, down from 8.59% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 35.7% in 2008 and an all time low of -22.0% in 2018. In the last decade, the...

Lakshmi Vilas Bank's customer loan growth fell 356% to -22.0% in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank's customer loan growth reached -22.0% in 2018, down from 8.59% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 35.7% in 2008 and an all time low of -22.0% in 2018. In the last decade, the...

Lakshmi Vilas Bank's net interest income fell 29.2% to INR 5.62 bil in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank generated total banking revenues of INR 8.10 bil in 2018, down 28.8% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 12.9 bil in 2016 a...

Lakshmi Vilas Bank's net interest income fell 29.2% to INR 5.62 bil in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank generated total banking revenues of INR 8.10 bil in 2018, down 28.8% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 12.9 bil in 2016 a...

Lakshmi Vilas Bank's total revenues fell 28.8% to INR 11.4 bil in 2018

By Helgi Library - November 3, 2019

Lakshmi Vilas Bank generated total banking revenues of INR 11.4 bil in 2017, down 11.5% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to the last year....

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Finance

Lakshmi Vilas Bank has been growing its revenues and asset by 12.1% and 14.8% a year on average in the last 10 years. Its loans and deposits have grown by 14.4% and 14.8% a year during that time and loans to deposits ratio reached 68.7% at the end of 2018. The company achieved an average return on equity of 0.971% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 102% in 2018, compared to 59.8% average in the last decade.

Equity represented 5.73% of total assets or 9.41% of loans at the end of 2018. Lakshmi Vilas Bank's non-performing loans were 15.3% of total loans while provisions covered some 53.1% of NPLs at the end of 2018.

Valuation

Lakshmi Vilas Bank stock traded at INR 87.9 per share at the end of 2018 resulting in a market capitalization of USD 325 mil. Over the previous five years, stock price rose by 77.2% or 12.1% a year on average. That’s compared to an average ROE of -6.89% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 1.20x in 2018.