UNAUDITED WORKING RESULTS

FOR THE HALF YEAR ENDED SEP’ 2016

BY

ACCOUNTS TEAM

LAKSHMI VILAS BANK

45,249

25,430

19,819

46,179

25,995

20,183

46,933

26,680

20,253

Business Deposits Advances

Q4 FY16 Q1 FY17 Q2 FY17

Performance Highlights

Rs. In Crs

Business

LAKSHMI VILAS BANK

LAKSHMI VILAS BANK

Performance Highlights

Profitability Rs. In Crs

93.40 105.99 100.17

125.84 158.42

Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Q2 FY17

OPERATING PROFIT

44.83 46.07 49.07

60.68 64.85

Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Q2 FY17

NET PROFIT

LAKSHMI VILAS BANK

Total Deposits

CASA Deposits

Avg. CASA Deposits

Bank Deposits

Avg. Deposits

Int. on Deposits

Cost of Deposits

CASA %

Avg. CASA%

26,680.14

4,619.09

4,026.22

1,209.91

25,698.68

974.38

7.58%

17.31%

15.67%

25,430.96

1,166.37

22,442.79

1,833.29

8.17%

17.36%

14.27%

486.19

25,347.63

7.67%

16.08%

15.60%

3,204.78 3,954.65

4,415.51 4,180.65

1,077.71

25,995.86

SEP’ 16 JUN’ 16 MAR’ 16

Deposits Rs. In Crs

Y-o-Y %

13.80

15.05

31.30

5.91

18.87

8.36

23,445.32

4,014.78

3,066.53

1,142.35

21,619.85

899.22

8.32%

17.12%

14.18%

SEP’ 15

LAKSHMI VILAS BANK

Deposits – Average CASA

Quarterly Avg. CASA movement

13.97%

14.25%

14.08%

14.77%

15.37% 15.48%

Q1-FY16 Q2-FY16 Q3-FY16 Q4-FY16 Q1-FY17 Q2-FY17

LAKSHMI VILAS BANK

Advances

Gross Advances

Net Advances

Avg. Gross Advances

C-D Ratio

Int. on Advances

Yield on Advances

20,253.32

20,069.16

19,586.19

76.09%

1,123.30

11.47%

19,818.93

77.93%

2,038.27

12.21% 11.49%

558.47

16,692.12 19,445.26

19,643.74 19,995.99

77.64%

20,182.72

SEP’ 16 JUN’ 16 MAR’ 16

Rs. In Crs

Y-o-Y %

15.25

15.33

22.42

13.84

17,573.80

17,402.22

15,991.51

74.96%

986.75

12.33%

SEP’ 15

LAKSHMI VILAS BANK

Rs. In Crs

Investments

Gross Investments

SLR Investments

Non SLR Investments

Less: Depreciation

Net Investments

Int. on Investments

Avg. Int. Yield on Investments

Investment- Deposit Ratio

7,268.99

6,577.25

691.74

42.79

7,226.19

256.21

7.82%

27.24%

6,594.45

49.04

6,545.40

519.40

7.94%

25.93%

125.74

6,646.98

7.93%

25.75%

745.02 700.76

5,849.43 5,993.06

46.84

6,693.82

SEP’ 16 JUN’ 16 MAR’ 16 Y-o-Y %

8.59

18.96

8.67

40.64

3.58

0.56

6,694.22

5,528.94

1,165.28

44.38

6,649.83

257.66

8.05%

28.55%

SEP’ 15

LAKSHMI VILAS BANK

Rs. In Crs

Income

1.Total Interest Income (A+B+C+D)

A. Int. on Advances

B. Int. on Investments

C. Int. on Bal. with RBI & Others

D. Others

2. Non Interest Income

1,384.06

1,123.30

256.21

3.69

0.86

221.11

2,568.30

3.27

7.36

304.53 89.21

0.43

519.40 125.74

2,038.27 558.47

1.02

685.66

SEP’ 16 JUN’ 16 MAR’ 16

Total Income (1+2) 1605.17 2,872.83 774.87

Y-o-Y %

10.88

13.84

69.88

54.96

0.56

48.59

15.40

1,248.25

986.75

257.66

2.17

1.67

142.69

SEP’ 15

1390.94

LAKSHMI VILAS BANK

Rs. In Crs

Expenditure

1. Interest Expenditure

2. Operating Expenditure (A+B)

A. Staff Expenditure

B. Other Operating Expenditure

Total Expenditure (1+2)

1,019.83

301.08

158.08

143.00

1,320.91

1,922.99

267.36

2,465.70 649.03

275.35 76.39

542.71 140.92

64.53

508.11

SEP’ 16 JUN’ 16 MAR’ 16 Y-o-Y %

8.18

21.77

27.44

16.06

11.00

942.71

247.26

124.04

123.22

1,189.97

SEP’ 15

LAKSHMI VILAS BANK

Quarterly Performance Quarterly Performance

NET INTEREST INCOME in Crs

GROSS NPA & NET NPA in Crs

160.30 167.07

172.70 177.56

186.67

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

331.8 331.57 391.25

431.91

546.11

175.61 143.87

231.64 260.21

376.07

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

Gross NPA Net NPA

20% 22% 24% 22% 16%

% increase over the corresponding previous period(Y-o-Y) is mentioned inside the Bar

LAKSHMI VILAS BANK

Net Profit

OPERATING PROFIT

DEP. ON INVESTMENTS

PROV. ON STD. ADV.

OTHER PROVISIONS

Sep-16 Sep-15 Mar-16

PROV. FOR RESTR. ADV.

PROVISION FOR NPA

PROVISION FOR TAX

PROFIT BEFORE TAX (PBT)

Rs. In Crs

NET PROFIT

284.26

-6.25

1.52

0.26

-1.74

103.93

61.00

186.53

125.53

200.99

2.69

4.99

0.33

13.75

70.12

24.00

109.09

85.09

407.13

8.65

17.00

0.86

-7.38

176.76

50.00

230.24

180.24

Half year ended

LAKSHMI VILAS BANK

Capital Adequacy

BALANCE SHEET SIZE 29,967.90

Sep’16 MAR’ 16

RISK WEIGHTED ASSETS

BASEL - II

BASEL - III

Rs. In Crs

CAPITAL ADEQUACY RATIO

BASEL - II

BASEL - III

CAPITAL FUNDS (BASEL – III)

TIER- I

TIER- II

CAPITAL FUNDS (BASEL – II)

TIER- I

TIER- II

19,147.89

19,464.17

1,596.85

373.89

1,596.71

368.49

10.29%

10.10%

17,723.50

18,045.72

1,568.73

376.89

1,568.50

356.90

10.98%

10.67%

28,732.16 Y-o-Y %

23.32

13.80

23.06

21.99

22.00

16.31

12.00

26,332.74

Sep’15

15,549.94

15,840.56

1,308.95

446.74

1,308.80

418.75

11.29%

10.26%

LAKSHMI VILAS BANK

Analytical Ratios - Quarterly

NET INTEREST MARGIN(%)

RETURN ON ASSETS(ROA%) COST TO INCOME RATIO(%)

RETURN ON EQUITY (ROE%)

2.81 2.78 2.82 2.75 2.84

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

11.66 11.64 12.27 14.96 15.39

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

0.71 0.70 0.72

0.84 0.86

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

57.41 55.17 62.23

52.83 50.27

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

LAKSHMI VILAS BANK

Analytical Ratios - Quarterly

YIELD ON FUNDS (%)

INTEREST SPREAD (%) PROVISION COVERAGE RATIO(%)

COST OF FUNDS(%)

10.07 9.91 9.78 9.45 9.30

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

7.52 7.38 7.25 7.01 6.81

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

2.55 2.53 2.53 2.45 2.49

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

71.46 76.49 68.55 66.48

59.87

Sep-15 Dec-15 Mar-16 Jun-16 Sep-16

LAKSHMI VILAS BANK

Movement Of Gross NPA – Q2 FY17 Rs. In Crs

OPENING BALANCE

ADD : ADDITIONS DURING Q2 FY17

SUB TOTAL

LESS : REDUCTIONS DURING Q2 FY17

CASH RECOVERIES

UPGRADATION

WRITE OFF

TOTAL

CLOSING BALANCE

431.91

173.46

605.37

3.82

4.46

50.96

59.26

546.11

LAKSHMI VILAS BANK