Lakshmi Vilas Bank

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...

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...

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...

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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 year. Historically, the NPL ratio hit an all time high of 15.3% in 2018 and an all time low of 1.94% in 2010. Provision coverag...

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.