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THE LAKSHMI VILAS BANK LTD.

THE LAKSHMI VILAS BANK LTD. AUDITED FINANCIAL RESULTS FOR THE YEAR ENDED 31 ST MARCH 2011. PERFORMANCE HIGHLIGHTS 2010-11. NET PROFIT CROSSED ` 100 CRORES , FIRST TIME IN THE HISTORY OF THE BANK.

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THE LAKSHMI VILAS BANK LTD.

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  1. THE LAKSHMI VILAS BANK LTD. AUDITED FINANCIAL RESULTS FOR THE YEAR ENDED 31ST MARCH 2011

  2. PERFORMANCE HIGHLIGHTS 2010-11 NET PROFIT CROSSED `100 CRORES, FIRST TIME IN THE HISTORY OF THE BANK. OPERATING PROFIT `273.86 CRORES UP BY 65% ON YOY BASIS (Prev. Year `166.21 crores) GROSS NPA LESS THAN 2%, STANDS AT 1.93% AS ON 31.03.2011 NET NPA LESS THAN 1%, STANDS AT 0.90% AS ON 31.03.2011 PROVISION COVERAGE RATIO IS 77.17%, WELL ABOVE THE RBI STIPULATION OF MINIMUM 70%. NET INTEREST MARGIN (NIM) CONTINUES TO BE ROBUST AT 3.75% NET INTEREST INCOME (NII) `364.99 CRORES UP BY 46.50% ON YOY BASIS (Prev. Year `249.13 crores)

  3. CONSISTENT PERFORMANCE 2010-11

  4. DEPOSITS

  5. ADVANCES

  6. INVESTMENTS

  7. INCOME

  8. EXPENDITURE

  9. OTHER INCOME

  10. NET PROFIT

  11. CAPITAL FUNDS • CAPITAL TO RISK WEIGHTED ASSETS - BASEL II - 13.19 % - TIER I - 10.78 % - TIER II - 2.41 % • BANK CAN ISSUE UPTO 40% ADDITIONAL EQUITY AS ALREADY AUTHORISED BY SHAREHOLDERS TO IMPROVE CAPITAL ADEQUACY RATIO IN LINE WITH THE PROJECTED BUSINESS LEVEL. OF COURSE, OTHER OPTIONS LIKE PREFERENTIAL ISSUE OR RIGHTS CAN ALSO BE DONE WITH SHARE HOLDERS’ APPROVAL. • BANK ALSO HAS ADEQUATE HEADROOM TO RAISE FUNDS UNDER TIER II.

  12. ANALYTICAL RATIOS

  13. NON PERFORMING ASSETS

  14. MOVEMENT OF NPA (GROSS)

  15. THANK YOU

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