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Lakshmi Vilas Bank Ltd has announced its Q4FY12 along with Annual FY12 result on 30th May 2012.
On the quarterly basis, the bank’s total income up by 17.40% QoQ and down by -0.24% YoY to INR147.73 crores. Profit After Tax (PAT) down by -12.02% QoQ and -8.90% YoY to INR24.96 crores. For the whole year of FY12, the bank’s total income increased by 5.41% YoY to INR529.14 crores whereas, Profit After Tax (PAT) increased by 5.81% YoY to INR107.02 crores.
The Bank has reported a growth in advances by 25.81% YoY to INR10188.68 crores and a growth in deposits by 26.59% YoY to INR14114.14 crores. On the assets quality front, the bank’s assets quality is still the matter of concern, the bank’s NNPA and GNPA stood at 1.74% and 2.98% increased by 84 and 105bps YoY respectively. Moreover, Capital Adequacy Ratio (CAR) stood at 13.10%, which is 4.10% higher than the regulator’s stipulated norm of 9%.
The Board of Directors have recommended a dividend of 35% for the year ended 31st March 2012.
Lakshmi Vilas Bank Q4FY12 Result-[INR-Crores]
| ||||||||
DESCRIPTION
|
Q4'12
|
Q3'12
|
Q4'11
|
QoQ%
|
YoY%
|
FY12
|
FY11
|
YoY%
|
Interest Earned
|
409.10
|
394.27
|
294.75
|
3.76
|
38.80
|
1519.25
|
1064.83
|
42.68
|
Interest Expended
|
318.51
|
303.65
|
195.25
|
4.89
|
63.13
|
1148.03
|
699.84
|
64.04
|
NII
|
90.59
|
90.62
|
99.50
|
-0.03
|
-8.95
|
371.22
|
364.99
|
1.71
|
Other Income
|
57.14
|
35.22
|
48.58
|
62.24
|
17.62
|
157.92
|
137.01
|
15.26
|
Total Income
|
147.73
|
125.84
|
148.08
|
17.40
|
-0.24
|
529.14
|
502
|
5.41
|
Operating Expenses
|
91.74
|
77.72
|
58.97
|
18.04
|
55.57
|
293.71
|
228.14
|
28.74
|
Operating Profit before Prov.& Cont.
|
55.99
|
48.12
|
89.11
|
16.35
|
-37.17
|
235.43
|
273.86
|
-14.03
|
Provisions and Contingencies
|
26.03
|
18.75
|
56.71
|
38.83
|
-54.10
|
109.41
|
149.72
|
-26.92
|
PBT
|
29.96
|
29.37
|
32.40
|
2.01
|
-7.53
|
126.02
|
124.14
|
1.51
|
Tax
|
5.00
|
1.00
|
5.00
|
400.00
|
0.00
|
19.00
|
23
|
-17.39
|
Profit After Tax
|
24.96
|
28.37
|
27.40
|
-12.02
|
-8.91
|
107.02
|
101.14
|
5.81
|
Adj Calculated EPS
|
2.56
|
2.91
|
2.81
|
-12.03
|
-8.90
|
10.98
|
10.37
|
5.88
|
Advances
|
10188.68
|
N/A
|
8094.42
|
-
|
25.87
|
10188.68
|
8094.42
|
25.87
|
Deposits
|
14114.14
|
N/A
|
11149.51
|
-
|
26.59
|
14114.14
|
11149.51
|
26.59
|
Q4'12
|
Q3'12
|
Q4'11
|
QoQ (bps)
|
YoY(bps)
|
FY12
|
FY11
|
YoY(bps)
| |
Capital Adequacy Ratio Basel II
|
13.10%
|
10.82%
|
13.19%
|
228
|
-9
|
13.10%
|
13.19%
|
-9
|
% of Net NPAs
|
1.74%
|
1.23%
|
0.90%
|
51
|
84
|
1.74%
|
0.90%
|
84
|
% of Gross NPAs
|
2.98%
|
2.42%
|
1.93%
|
56
|
105
|
2.98%
|
1.93%
|
105
|
Provisions Coverage%
|
61.27%
|
70.96%
|
77.17%
|
-969
|
-1590
|
0
| ||
C/D ratio
|
72.19%
|
-
|
72.60%
|
-
|
-41
|
72.19%
|
72.60%
|
-41
|
C/I Ratio
|
62.10%
|
61.76%
|
39.82%
|
34
|
2228
|
55.51%
|
45.45%
|
1006
|
OI/TI
|
37.90%
|
38.24%
|
60.18%
|
-34
|
-2228
|
44.49%
|
54.55%
|
-1006
|
Regards,
Team Microsec Research
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