Dhanlaxmi Bank Live BSE/NSE | Dhanlaxmi Bank Fundamenta data | Dhanlaxmi Bank Balance sheet | Dhanlaxmi Bank Quarterly Results | Dhanlaxmi Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

347.39
7.90
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

-23.64
N/A
0.49

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

3.48
4.14
2.57

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-7.89
-29.64
-18.05

PAT CAGR (%)

10 Years
5 Years
3 Years

9.70
-
-

P:E (Median)

8 Years
5 Years
3 Years

-
3.12
4.39

P:BV (Average)

8 Years
5 Years
3 Years

0.45
0.45
0.45

EV:EBITDA (Average)

8 Years
5 Years
3 Years

124.13
105.20
0.57

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 243.97 253.34 -3.70% 236.65 240.43 -1.57% 242.93 241.84 0.45% 250.88 245.08 2.37%
Interest Exp. 155.31 152.69 1.72% 157.59 150.34 4.82% 157.39 154.85 1.64% 153.98 153.87 0.07%
Net Interest Income 88.66 100.65 -11.91% 79.06 90.09 -12.24% 85.54 86.99 -1.67% 96.90 91.21 6.24%
NIM 2.88 3.31 -12.99% 2.77 3.15 -12.06% 3.21 3.00 7.00% 3.31 2.97 11.45%
Other Income 21.25 23.51 -9.61% 41.97 16.32 157.17% 38.05 27.13 40.25% 34.97 27.08 29.14%
Total Income 265.22 276.85 -4.20% 278.62 256.75 8.52% 280.98 268.97 4.47% 285.85 272.16 5.03%
Operating Exp. 76.05 76.71 -0.86% 77.92 77.30 0.80% 83.80 70.24 19.31% 86.24 81.22 6.18%
Operating Profit 33.86 47.45 -28.64% 43.11 29.11 48.09% 39.79 43.88 -9.32% 45.63 37.07 23.09%
Provision 19.85 25.38 -21.79% 37.02 9.27 299.35% 56.89 16.27 249.66% 24.35 20.17 20.72%
PBT 14.01 22.07 -36.52% 6.09 19.84 -69.30% -17.10 27.61 - 21.28 16.90 25.92%
PBTM 5.74 8.71 -34.10% 2.57 8.25 -68.85% -7.04 11.42 - 8.48 6.90 22.90%
TAX 0.00 0.00 0.00 0.00 0.00 0.00 -19.70 0.00 - 0.00 0.00 0.00
PAT 14.01 22.07 -36.52% 6.09 19.84 -69.30% 2.60 27.61 -90.58% 21.28 16.90 25.92%
PATM 5.74% 8.71% 2.57% 8.25% 1.07% 11.42% 8.48% 6.90%
EPS 0.55 0.87 -36.78% 0.24 0.78 -69.23% 0.10 1.09 -90.83% 0.84 0.67 25.37%
Gross NPA 448.72 476.08 -5.75% 464.45 496.48 -6.45% 401.22 495.84 -19.08% 490.47 507.95 -3.44%
Gross NPA% 6.36 7.06 -9.92% 6.89 7.61 -9.46% 5.90 7.47 -21.02% 7.13 8.11 -12.08%
Net NPA 111.45 105.34 5.80% 140.04 145.20 -3.55% 100.94 151.71 -33.47% 105.21 173.58 -39.39%
Net NPA% 1.66 1.65 0.61% 2.18 2.35 -7.23% 1.55 2.41 -35.68% 1.62 2.93 -44.71%
CASA 31.00 32.00 -3.12% 30.00 32.00 -6.25% 30.00 32.00 -6.25% 30.00 31.00 -3.23%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 350.16 373.18 346.77 345.80 331.60 304.67 298.84 280.12 276.42 247.52 265.13 Interest Earned 974.43 987.59 971.49 1,013.32 1,089.06 1,204.27 1,283.59 1,291.95 1,308.00 1,393.65 906.42 Interest Expended 624.27 614.41 624.72 667.52 757.46 899.60 984.75 1,011.83 1,031.58 1,146.13 641.29 Int. income Growth -5.09% 7.62% 0.28% 4.28% 8.84% 1.95% 6.68% 1.34% 11.68% -6.64% Other Income 136.24 112.85 52.73 102.47 111.02 76.73 84.95 73.43 114.30 143.64 146.77 Total Income 1,110.67 486.03 399.50 448.27 442.62 381.40 383.79 353.55 390.72 391.16 411.90 Total Expenditure 324.01 406.93 376.57 459.68 409.92 552.67 606.92 574.08 383.01 476.21 356.58 Employee Cost - 184.62 161.43 163.58 194.90 213.15 211.47 189.22 186.76 273.96 201.46 % Of Sales - 18.69% 16.62% 16.14% 17.90% 17.70% 16.47% 14.65% 14.28% 19.66% 22.23% Opt. & Establishment Exp. - 152.76 154.40 151.97 173.97 192.65 165.05 189.56 183.51 244.47 158.59 % Of Sales - 15.47% 15.89% 15.00% 15.97% 16.00% 12.86% 14.67% 14.03% 17.54% 17.50% Provisions - 96.19 83.26 171.05 81.69 196.67 267.04 257.88 74.66 16.72 27.71 % Of Sales - 9.74% 8.57% 16.88% 7.50% 16.33% 20.80% 19.96% 5.71% 1.20% 3.06% EBITDA 162.39 79.10 22.93 -11.41 32.70 -171.27 -223.13 -220.53 7.71 -85.05 55.32 EBITDA Margin 66.75% 21.20% 6.61% -3.30% 9.86% -56.21% -74.67% -78.73% 2.79% -34.36% 20.87% Depreciation 0.00 13.32 11.26 13.46 20.32 24.90 18.32 31.29 30.96 29.47 15.59 PBT 24.28 65.78 11.67 -24.87 12.38 -196.17 -241.45 -251.82 -23.26 -114.52 39.72 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -19.70 0.00 0.00 0.00 0.00 13.28 0.02 0.09 -25.88 1.11 13.66 Tax Rate -81.14% 0.00% 0.00% 0.00% 0.00% -6.77% -0.01% -0.04% 111.26% -0.97% 34.39% PAT 43.98 65.78 11.67 -24.87 12.38 -209.45 -241.47 -251.91 2.62 -115.63 26.06 PAT before Minority Interest 43.98 65.78 11.67 -24.87 12.38 -209.45 -241.47 -251.91 2.62 -115.63 26.06 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 9.04% 13.53% 2.92% -5.55% 2.80% -54.92% -62.92% -71.25% 0.67% -29.56% 6.33% PAT Growth -49.11% 463.67% 0 -300.89% 0 0 0 -9714.89% 0 -543.71% Unadjusted EPS 1.74 2.60 0.46 -0.98 0.49 -8.28 -9.54 -9.96 0.10 -4.57 1.03

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 826.91 761.13 749.46 654.48 507.95 723.86 736.32 766.00 728.25 844.64 Share Capital 253.01 253.01 253.01 209.85 177.44 177.44 125.93 85.14 85.14 85.14 Total Reserves 573.90 508.12 496.45 444.64 330.51 546.41 610.39 645.46 643.11 759.50 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 10,904.07 10,603.32 10,919.66 11,293.68 11,353.76 12,381.68 12,133.21 11,202.13 11,804.41 12,529.63 Borrowings 177.50 200.40 392.17 145.20 251.85 941.35 1,335.58 1,592.09 1,721.51 626.11 Other Liabilities & Provisions 356.61 234.04 225.16 239.76 349.42 305.02 482.48 269.37 422.32 267.77 Total Liabilities 12,265.09 11,798.89 12,286.45 12,333.12 12,462.98 14,351.91 14,687.59 13,829.59 14,676.49 14,268.15 Net Block 178.87 169.39 173.05 183.05 151.93 184.10 199.01 125.34 139.40 125.00 Gross Block 393.71 378.68 375.58 373.09 369.88 371.01 372.46 265.42 250.67 209.23 Accumulated Depreciation 214.83 209.29 202.53 190.04 217.95 186.91 173.45 140.08 111.27 84.23 Total Non-Current Assets 11,521.54 11,151.28 11,550.46 11,662.34 11,756.97 13,659.38 14,305.95 13,359.44 14,192.97 13,774.35 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 34.83 32.63 30.71 31.21 26.99 18.70 13.34 10.42 9.29 9.36 Cash and balance with RBI 548.52 557.44 602.85 574.98 579.48 669.33 630.16 509.80 867.95 802.80 Balance with banks and money at call 580.82 65.84 268.76 232.60 253.65 620.79 1,045.18 427.33 58.12 132.36 Investments 3,682.40 4,036.70 4,364.60 4,194.15 3,792.24 4,496.65 4,482.30 4,509.49 4,360.16 3,639.68 Advances 6,496.10 6,289.28 6,110.49 6,446.35 6,952.68 7,669.81 7,935.96 7,777.06 8,758.05 9,065.15 Other Assets 743.55 647.60 736.00 670.78 706.01 692.53 381.63 470.15 483.52 493.81 Total Assets 12,265.09 11,798.88 12,286.46 12,333.12 12,462.98 14,351.91 14,687.58 13,829.59 14,676.49 14,268.16 Contingent Liabilities 502.80 685.94 772.91 792.47 698.48 773.10 930.11 1,133.29 3,361.56 3,250.85 Bills for collection 310.77 316.33 344.59 257.70 249.45 258.46 225.30 172.09 363.38 180.65 Adjusted Book Value 27.18 24.56 24.08 31.19 28.63 40.79 58.47 85.82 85.54 99.21

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 553.97 -143.72 -203.03 -99.17 -297.78 -605.11 648.70 -113.00 29.44 -128.69 PBT 65.78 11.67 -24.87 12.38 -196.16 -241.47 -251.86 2.66 -116.73 39.68 Adjustment 96.68 83.36 189.68 103.81 142.00 288.14 282.81 86.43 52.16 49.11 Adjustments for Liabilities & Assets 392.43 -219.69 -367.01 -215.14 -243.09 -651.59 617.76 -202.04 101.51 -200.38 Refund/(Payment) of direct taxes -0.91 -19.06 -0.83 -0.21 -0.53 -0.19 0.00 -0.05 -7.50 -17.10 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -25.00 -9.81 -2.79 -10.53 -9.21 -9.75 -24.32 -19.03 -43.03 -70.18 Net Fixed Assets -17.23 -5.02 -1.99 -7.43 -7.16 -3.91 -109.96 -15.88 -41.37 -64.90 Other Investment Activity -438.35 -414.10 -416.82 -413.51 -406.62 -414.03 -404.83 -318.87 -330.14 -261.65 Cash from Financing Activity -22.90 -94.80 269.86 84.14 -150.00 229.64 113.83 143.10 4.49 383.70 Closing Cash & Equivalent 1,129.34 623.28 871.61 807.58 833.13 1,290.12 1,675.34 937.13 926.06 935.16 Net Cash Inflow / Outflow 506.07 -248.33 64.03 -25.55 -456.99 -385.22 738.21 11.07 -9.10 184.83 Opening Cash & Equivalents 623.28 871.61 807.58 833.13 1,290.12 1,675.34 937.13 926.06 935.16 750.33

Financial Ratios

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 27.18 24.56 24.08 31.19 28.63 40.79 58.47 85.82 85.54 99.21 NIM 3.30 3.17 3.05 2.90 2.63 2.22 1.99 2.09 1.76 1.94 Yield on Advances 15.20 15.45 16.58 16.89 17.32 16.74 16.28 16.82 15.91 10.00 Yield on Investments 7.98 6.81 6.95 7.43 8.77 7.61 7.56 7.76 7.40 5.81 Cost of Liabilities 5.54 5.78 5.90 6.62 7.75 7.39 7.51 8.06 8.47 4.87 Interest Spread 9.66 9.66 10.68 10.27 9.57 9.34 8.77 8.76 7.44 5.12 ROCE 9.23% 3.95% 0.19% 5.02% -13.39% -8.20% -7.17% 3.83% 0.82% 8.69% Cost Income Ratio 66.67 76.24 67.39 78.75 99.87 93.33 98.29 86.85 125.00 83.63 Core Cost Income Ratio 70.25 70.24 69.06 85.42 101.18 96.40 102.44 92.73 127.90 85.64 Operating Costs to Assets 2.64 2.58 2.46 2.83 3.06 2.50 2.37 2.45 3.33 2.41 Loans/Deposits 0.02 0.02 0.04 0.01 0.02 0.08 0.11 0.14 0.15 0.05 Cash/Deposits 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.07 0.06 Investment/Deposits 0.34 0.38 0.40 0.37 0.33 0.36 0.37 0.40 0.37 0.29 Inc Loan/Deposits 1.63% 1.89% 3.59% 1.29% 2.22% 7.60% 11.01% 14.21% 14.58% 5.00% Credit Deposits 59.57% 59.31% 55.96% 57.08% 61.24% 61.94% 65.41% 69.42% 74.19% 72.35% Interest Expended / Interest earned 62.21% 64.30% 65.87% 69.55% 74.70% 76.72% 78.32% 78.87% 82.24% 70.75% Interest income / Total funds 8.05% 8.23% 8.25% 8.83% 9.66% 8.94% 8.80% 9.46% 9.50% 6.35% Interest Expended / Total funds 5.01% 5.29% 5.43% 6.14% 7.22% 6.86% 6.89% 7.46% 7.81% 4.49% CASA 29.80% 32.01% 30.80% 29.44% 25.03% 24.34% 21.99% 22.46% 19.35% 22.90%

Dhanlaxmi Bank Ltd.

Bank - Private

BSE: 532180 | NSE: DHANBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update

Dhanlaxmi Bank Ltd.

Bank - Private

BSE: 532180 | NSE: DHANBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update