Dhanlaxmi Bank, 532180, DHANBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,123.37
12.12
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

779.41
N/A
1.30

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-22.58
-9.34
-21.62

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
33.43
9.90

PAT CAGR (%)

10 Years
5 Years
3 Years

0.58
0.63

P:E (Median)

8 Years
5 Years
3 Years

8.09
10.04
11.62

P:BV (Average)

8 Years
5 Years
3 Years

0.58
0.58
0.63

EV:EBITDA (Average)

8 Years
5 Years
3 Years

57.79
0.16
0.16

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 307.72 276.26 11.39% 303.90 262.50 15.77% 289.14 258.37 11.91% 274.10 234.91 16.68%
Interest Exp. 193.72 149.40 29.67% 182.94 146.06 25.25% 170.51 141.07 20.87% 158.95 138.49 14.77%
Net Interest Income 114.00 126.86 -10.14% 120.96 116.44 3.88% 118.63 117.30 1.13% 115.15 96.42 19.43%
NIM 3.34 3.65 -8.49% 3.41 3.58 -4.75% 3.40 3.64 -6.59% 3.60 3.00 20.00%
Other Income 35.70 35.92 -0.61% 23.53 22.76 3.38% 52.26 -21.55 - 37.39 68.67 -45.55%
Total Income 343.42 312.18 10.01% 327.43 285.26 14.78% 341.40 236.82 44.16% 311.49 303.58 2.61%
Operating Exp. 127.39 108.47 17.44% 120.89 103.85 16.41% 112.95 100.77 12.09% 113.98 101.47 12.33%
Operating Profit 22.31 54.31 -58.92% 23.60 35.35 -33.24% 57.94 -5.02 - 38.56 63.62 -39.39%
Provision 19.26 32.58 -40.88% -2.82 19.46 - 27.64 21.41 29.10% 18.14 39.01 -53.50%
PBT 3.05 21.73 -85.96% 26.42 15.89 66.27% 30.30 -26.43 - 20.42 24.61 -17.03%
PBTM 0.99 7.87 -87.42% 8.69 6.05 43.64% 10.48 -10.23 - 7.45 10.48 -28.91%
TAX 0.00 0.00 0 3.26 0.00 0 2.00 0.00 0 -17.75 1.19 -
PAT 3.05 21.73 -85.96% 23.16 15.89 45.75% 28.30 -26.43 - 38.17 23.42 62.98%
PATM 0.99% 7.87% 7.62% 6.05% 9.79% -10.23% 13.93% 9.97%
EPS 0.12 0.86 -86.05% 0.92 0.63 46.03% 1.12 -1.04 - 1.51 0.93 62.37%
Gross NPA 495.65 539.11 -8.06% 552.59 549.75 0.52% 523.38 553.82 -5.50% 511.14 533.54 -4.20%
Gross NPA% 4.81 5.83 -17.50% 5.36 6.04 -11.26% 5.21 6.35 -17.95% 5.19 6.32 -17.88%
Net NPA 126.25 161.08 -21.62% 127.34 202.85 -37.22% 105.18 226.03 -53.47% 109.20 232.16 -52.96%
Net NPA% 1.27 1.82 -30.22% 1.29 2.32 -44.40% 1.09 2.69 -59.48% 1.16 2.85 -59.30%
CASA 31.10 32.61 -4.63% 31.06 33.92 -8.43% 31.65 33.08 -4.32% 32.00 34.28 -6.65%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 468.74 475.76 362.32 329.65 373.18 346.77 345.80 331.60 304.67 298.84 280.12 Interest Earned 1,174.86 1,071.24 916.64 930.75 987.59 971.49 1,013.32 1,089.06 1,204.27 1,283.59 1,291.95 Interest Expended 706.12 595.48 554.32 601.10 614.41 624.72 667.52 757.46 899.60 984.75 1,011.83 Int. income Growth 2.56% 31.31% 9.91% -11.66% 7.62% 0.28% 4.28% 8.84% 1.95% 6.68% Other Income 148.88 74.52 169.12 122.22 112.85 52.73 102.47 111.02 76.73 84.95 73.43 Total Income 1,323.74 550.28 531.44 451.87 486.03 399.50 448.27 442.62 381.40 383.79 353.55 Total Expenditure 475.21 479.80 475.51 399.35 406.93 376.57 459.68 409.92 552.67 606.92 574.08 Employee Cost - 247.25 234.61 225.37 184.62 161.43 163.58 194.90 213.15 211.47 189.22 % Of Sales - 23.08% 25.59% 24.21% 18.69% 16.62% 16.14% 17.90% 17.70% 16.47% 14.65% Opt. & Establishment Exp. - 200.93 182.55 156.00 152.76 154.40 151.97 173.97 192.65 165.05 189.56 % Of Sales - 18.76% 19.92% 16.76% 15.47% 15.89% 15.00% 15.97% 16.00% 12.86% 14.67% Provisions - 73.84 98.39 48.64 96.19 83.26 171.05 81.69 196.67 267.04 257.88 % Of Sales - 6.89% 10.73% 5.23% 9.74% 8.57% 16.88% 7.50% 16.33% 20.80% 19.96% EBITDA 142.41 70.48 55.93 52.52 79.10 22.93 -11.41 32.70 -171.27 -223.13 -220.53 EBITDA Margin 59.55% 14.81% 15.44% 15.93% 21.20% 6.61% -3.30% 9.86% -56.21% -74.67% -78.73% Depreciation 0.00 21.11 20.02 15.33 13.32 11.26 13.46 20.32 24.90 18.32 31.29 PBT 80.19 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -196.17 -241.45 -251.82 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 -12.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.28 0.02 0.09 Tax Rate -15.58% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.77% -0.01% -0.04% PAT 92.68 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 -251.91 PAT before Minority Interest 92.68 49.36 35.90 37.19 65.78 11.67 -24.87 12.38 -209.45 -241.47 -251.91 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 15.01% 8.97% 6.76% 8.23% 13.53% 2.92% -5.55% 2.80% -54.92% -62.92% -71.25% PAT Growth 167.78% 37.49% -3.47% -43.46% 463.67% 0 -300.89% 0 0 0 EPS 3.66 1.95 1.42 1.47 2.60 0.46 -0.98 0.49 -8.28 -9.54 -9.96

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 961.15 900.00 864.10 826.91 761.13 749.46 654.48 507.95 723.86 736.32 Share Capital 253.01 253.01 253.01 253.01 253.01 253.01 209.85 177.44 177.44 125.93 Total Reserves 708.14 646.99 611.09 573.90 508.12 496.45 444.64 330.51 546.41 610.39 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 13,351.65 12,402.89 11,711.90 10,904.07 10,603.32 10,919.66 11,293.68 11,353.76 12,381.68 12,133.21 Borrowings 492.38 150.00 150.00 177.50 200.40 392.17 145.20 251.85 941.35 1,335.58 Other Liabilities & Provisions 326.95 342.87 370.50 356.61 234.04 225.16 239.76 349.42 305.02 482.48 Total Liabilities 15,132.13 13,795.76 13,096.50 12,265.09 11,798.89 12,286.45 12,333.12 12,462.98 14,351.91 14,687.59 Net Block 250.86 221.00 224.93 178.87 169.39 173.05 183.05 151.93 184.10 199.01 Gross Block 496.72 453.55 445.77 393.71 378.68 375.58 373.09 369.88 371.01 372.46 Accumulated Depreciation 245.86 232.55 220.84 214.83 209.29 202.53 190.04 217.95 186.91 173.45 Total Non-Current Assets 14,444.37 13,142.88 12,436.27 11,521.54 11,151.28 11,550.46 11,662.34 11,756.97 13,659.38 14,305.95 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 6.72 0.00 0.00 34.83 32.63 30.71 31.21 26.99 18.70 13.34 Cash and balance with RBI 836.34 708.40 602.12 548.52 557.44 602.85 574.98 579.48 669.33 630.16 Balance with banks and money at call 10.29 27.44 382.85 580.82 65.84 268.76 232.60 253.65 620.79 1,045.18 Investments 3,888.64 4,044.06 4,438.97 3,682.40 4,036.70 4,364.60 4,194.15 3,792.24 4,496.65 4,482.30 Advances 9,451.52 8,141.98 6,787.40 6,496.10 6,289.28 6,110.49 6,446.35 6,952.68 7,669.81 7,935.96 Other Assets 687.77 652.88 660.24 743.55 647.60 736.00 670.78 706.01 692.53 381.63 Total Assets 15,132.14 13,795.76 13,096.51 12,265.09 11,798.88 12,286.46 12,333.12 12,462.98 14,351.91 14,687.58 Contingent Liabilities 668.18 515.58 861.36 502.80 685.94 772.91 792.47 698.48 773.10 930.11 Bills for collection 300.26 301.69 301.31 310.77 316.33 344.59 257.70 249.45 258.46 225.30 Adjusted Book Value 31.66 30.11 28.67 27.18 24.56 24.08 31.19 28.63 40.79 58.47

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 216.40 138.84 -90.25 553.97 -143.72 -203.03 -99.17 -297.78 -605.11 648.70 PBT 31.61 37.09 37.19 65.78 11.67 -24.87 12.38 -196.16 -241.47 -251.86 Adjustment 174.49 97.12 100.99 96.68 83.36 189.68 103.81 142.00 288.14 282.81 Adjustments for Liabilities & Assets 10.17 5.61 -227.87 392.43 -219.69 -367.01 -215.14 -243.09 -651.59 617.76 Refund/(Payment) of direct taxes 0.13 -0.99 -0.56 -0.91 -19.06 -0.83 -0.21 -0.53 -0.19 0.00 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 -105.61 -387.97 -26.62 -25.00 -9.81 -2.79 -10.53 -9.21 -9.75 -24.32 Net Fixed Assets -49.89 -7.78 -17.23 -17.23 -5.02 -1.99 -7.43 -7.16 -3.91 -109.96 Other Investment Activity -891.41 -480.17 -470.77 -438.35 -414.10 -416.82 -413.51 -406.62 -414.03 -404.83 Cash from Financing Activity 0.00 0.00 -27.50 -22.90 -94.80 269.86 84.14 -150.00 229.64 113.83 Closing Cash & Equivalent 846.63 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 1,290.12 1,675.34 Net Cash Inflow / Outflow 110.79 -249.13 -144.37 506.07 -248.33 64.03 -25.55 -456.99 -385.22 738.21 Opening Cash & Equivalents 735.84 984.97 1,129.34 623.28 871.61 807.58 833.13 1,290.12 1,675.34 937.13

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 31.66 30.11 28.67 27.18 24.56 24.08 31.19 28.63 40.79 58.47 NIM 3.35 2.80 2.70 3.30 3.17 3.05 2.90 2.63 2.22 1.99 Yield on Advances 11.33 11.26 13.71 15.20 15.45 16.58 16.89 17.32 16.74 16.28 Yield on Investments 5.99 6.37 7.11 7.98 6.81 6.95 7.43 8.77 7.61 7.56 Cost of Liabilities 4.30 4.42 5.07 5.54 5.78 5.90 6.62 7.75 7.39 7.51 Interest Spread 7.03 6.84 8.65 9.66 9.66 10.68 10.27 9.57 9.34 8.77 ROCE 6.13% 5.37% 5.73% 9.23% 3.95% 0.19% 5.02% -13.39% -8.20% -7.17% Cost Income Ratio 77.61 74.73 81.01 66.67 76.24 67.39 78.75 99.87 93.33 98.29 Core Cost Income Ratio 72.05 87.84 92.25 70.25 70.24 69.06 85.42 101.18 96.40 102.44 Operating Costs to Assets 2.82 2.88 2.79 2.64 2.58 2.46 2.83 3.06 2.50 2.37 Loans/Deposits 0.04 0.01 0.01 0.02 0.02 0.04 0.01 0.02 0.08 0.11 Cash/Deposits 0.06 0.06 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.05 Investment/Deposits 0.29 0.33 0.38 0.34 0.38 0.40 0.37 0.33 0.36 0.37 Inc Loan/Deposits 3.69% 1.21% 1.28% 1.63% 1.89% 3.59% 1.29% 2.22% 7.60% 11.01% Credit Deposits 70.79% 65.65% 57.95% 59.57% 59.31% 55.96% 57.08% 61.24% 61.94% 65.41% Interest Expended / Interest earned 55.59% 60.47% 64.58% 62.21% 64.30% 65.87% 69.55% 74.70% 76.72% 78.32% Interest income / Total funds 7.08% 6.64% 7.11% 8.05% 8.23% 8.25% 8.83% 9.66% 8.94% 8.80% Interest Expended / Total funds 3.94% 4.02% 4.59% 5.01% 5.29% 5.43% 6.14% 7.22% 6.86% 6.89% CASA 31.90% 34.29% 33.37% 29.80% 32.01% 30.80% 29.44% 25.03% 24.34% 21.99%

Top Investors:

b ravindran pillai

jineesh nath c k

yusuffali musliam veetil abdul kader

antara india evergreen fund ltd

mohanachandran nair balakrishna pillai

investor education and protection fund (iepf)

Annual Reports:

News Update:

Dhanlaxmi Bank reports 6% growth in gross advances in Q4FY24
3rd Apr 2024, 17:36 PM

CASA stood at Rs 4381 crore (provisional) as of March 31, 2024, posting a 2.84% rise in year-on-year terms against Rs 4260 crore as of March 31, 2023
Read More
Dhanlaxmi Bank - Quarterly Results
2nd Feb 2024, 14:25 PM

Read More
RBI imposes penalty of Rs 1.20 crore on Dhanlaxmi Bank
15th Jan 2024, 11:42 AM

This penalty has been imposed in exercise of powers vested in RBI under the provisions of Section 47A(1)(c) read with Sections 46(4)(i) of the Banking Regulation Act, 1949
Read More

Dhanlaxmi Bank Ltd.

Bank - Private

BSE: 532180 | NSE: DHANBANK

Stock Summary

Chart

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

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

Top Investors:

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 | EPS

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

Top Investors:

Annual Reports:

News Update: