Background: Lakshmi Vilas Bank Limited is old-gen private bank with total business of INR 321bn; predominant focus on Retail 32.3%, SME 19.7% , and Wholesale 29.6% and Agri 18.4% lending in South India especially in the state of Tamil Nadu. LVB's network entails 361 branches with 688+ ATMs & 3292 employees. Deposits are largely retail dominated comprising Retail TD 75% & CASA 15.4%, with working capital focused loan book (~70%) augurs well for re-pricing of loans across interest rate cycles as a similar maturity...