Dhanlaxmi Bank Financial Statements

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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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Y/e 31 Mar ( In .Cr) Mar-2016 Mar-2015 Mar-2014 Mar-2013
Interest income 1,204 1,284 1,292 1,308
Interest expense (900) (985) (1,012) (1,032)
Net interest income 305 299 280 276
Non-interest income 76.70 84.90 73.40 114
Total op income 381 384 354 391
Total op expenses (381) (358) (347) (339)
Op profit (pre-prov) 0.50 25.60 6.06 51.40
Provisions (210) (267) (258) (75)
Exceptionals -- -- -- --
Profit before tax (209) (241) (252) (23)
Taxes 0.01 -- (0.10) 25.90
Net profit (209) (241) (252) 2.62
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Y/e 31 Mar ( In .Cr) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Total cash & equivalents 1,129 623 872 808
Investments 3,682 4,037 4,365 4,194
Advances 6,496 6,289 6,110 6,446
Total int-earning assets 11,308 10,949 11,347 11,448
Fixed assets 214 202 204 214
Other assets 745 651 739 674
Total assets 12,267 11,802 12,289 12,336
Net worth 827 761 749 654
Deposits 10,904 10,603 10,920 11,294
Borrowings 178 200 392 145
Total int-bearing liabs 11,082 10,804 11,312 11,439
Non-int-bearing liabs 358 237 228 243
Total liabilities 11,440 11,041 11,540 11,682
Equity + Total liabilities 12,267 11,802 12,289 12,336
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Particulars ( Rupees In Crores.) Dec-2019 Dec-2018 Dec-2017 Dec-2016
Interest Earned 745 730 767 821
Other Income 74.80 25.60 72.80 82.50
Total Income 819 755 840 904
Operating Expenses ** 697 704 756 848
Operating Profit Before Prov. & Cont. 122 51 83.20 55.60
Provisions & Contingencies 59 67 90.90 52
Depreciation -- -- -- --
Provision For Taxes -- -- -- --
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 63.20 (16) (7.70) 3.57
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 63.20 (16) (7.70) 3.57
EPS (Unit Curr.) 2.50 (0.60) (0.30) 0.17
EPS (Adj) (Unit Curr.) 2.50 (0.60) (0.30) 0.17
Calculated EPS (Unit Curr.)  2.50 (0.60) (0.30) 0.17
Calculated EPS (Adj) (Unit Curr.) 2.50 (0.60) (0.30) 0.17
Calculated EPS (Ann.) (Unit Curr.)  3.33 (0.80) (0.40) 0.23
Calculated EPS (Adj) (Ann.) (Unit Curr.)  3.33 (0.80) (0.40) 0.23
Book Value (Unit Curr.) 32.60 29 30.30 --
Dividend (%) -- -- -- --
Equity 253 253 253 210
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 69.90 62.20 65.10 70.30
PBDTM(%) 8.48 (2.20) (1) 0.43
PATM(%) 8.48 (2.20) (1) 0.43
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --