Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Investor Presentation (June 2025)
31 slides from Dhanlaxmi Bank's investor presentation, June 2025
Slide 1: Investor Presentation Q1 FY 2025-26
pet Dhanlaxmi8ank { Banking on Relationships forever Investor Presentation Q1- FY - 2025-26 © www.dhanbank.com
Slide 2: Board of Directors
Shri. K.N Madhusoodanan Shri. Ajith Kumar K.K Shri. P. Suriaraj Shri. D. K. Kashyap PART-TIME CHAIRMAN Shri. G. Rajagopalan Nair MD & CEO EXECUTIVE DIRECTOR INDEPENDENT DIRECTOR RBI ADDITIONAL DIRECTOR Dr. Nirmala Padmanabhan Ms. Vardhini Kalyanaraman Shri.Nageswara Rao - Dr. Jineesh Nath C.K Shri.
Slide 3: Performance Y-o-Y: Business, Deposit and Advance Growth
❖ Total Business of the Bank grew by 15.82% and reached ₹ 29051 Crore as on 30th June, 2025. ❖ Total Deposit of the Bank grew by 14.74 % to reach ₹ 16,570 Crore. ❖ Gross Advance of the Bank grew by 17.27% to reach ₹ 12,482 Crore. ❖ Gold Loan Portfolio registered a growth of 28.11% to reach ₹ 4,039 C
Slide 4: Performance Y-o-Y: Ratios Improvement
❖ CRAR Basel III (%) improved to 18.26% from 13.37%. ❖ Cost to Income Ratio reduced to 81.35% from 102.50% ❖ CD Ratio improved to 75.33% from 73.70% ❖ RoA improved to 0.27% from (0.20)% ❖ RoE improved to 3.48% from (3.12) % ❖ NIM improved to 3.39% from 2.76% Performance Y-o-Y ❖ Cost of Funds reduced
Slide 5: Total Business
Total Business ₹ in Crore 30000 ₹ 29,051 29000 ₹ 28,219 28000 27000 ₹ 26,443 26000 ₹ 25,650 ₹ 25,084 25000 24000 23000 Performance Y-o-Y 22000 21000 20000 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26
Slide 6: Deposit
Deposit ₹ in Crore Retail Deposit 8 Total Deposit 15 % % ₹ 12,934 ₹ 13,255 ₹ 12,279 ₹ 12,509 ₹ 12,612 ₹ 16,570 ₹ 16,013 ₹ 15,068 ₹ 14,441 ₹ 14,632 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Bulk Deposit 53 ₹ 3,315 % ₹ 3,079 Performance ₹ 2,456 ₹ 2,162 ₹ 2,123 Y-o-Y Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY
Slide 7: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 4 CASA to Total Deposit % ₹ 4,633 ₹ 4,647 ₹ 4,675 % 31.19% 31.66% ₹ 4,504 ₹ 4,602 30.54% 29.02% 28.21% ₹ 3,610 ₹ 3,730 ₹ 3,704 ₹ 3,722 ₹ 3,650 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 ₹ 894 ₹ 903 ₹ 898 ₹ 925 ₹ 1,025 Retail TD to Total Deposit % 53.84% 53.83% 53.
Slide 8: Gross Advance
Gross Advance ₹ in Crore Gross Advance Retail Advance 17% 15% ₹ 12,482 ₹ 8,972 ₹ 9,212 ₹ 8,402 ₹ 8,595 ₹ 12,206 ₹ 8,018 ₹ 11,375 ₹ 11,018 ₹ 10,643 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Corporate Advance 25% ₹ 3,234 ₹ 3,269 Performance ₹ 2,625 ₹ 2,616 ₹ 2,780 Y-o-Y Q1 FY 25 Q2 FY 25 Q3 FY 25 Q
Slide 9: Advance Mix
Advance Mix Gold Loan ₹ in Crore 28 % Other Retail 13 ₹ 3,553 ₹ 3,799 ₹ 4,039 ₹ 3,153 ₹ 3,372 ₹ 2,641 ₹ 2,767 ₹ 2,755 % ₹ 2,428 ₹ 2,534 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 SME 5 % ₹ 1,658 ₹ 1,705 ₹ 1,616 ₹ 1,631 ₹ 1,741 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Corporate Advance 25 % Q1
Slide 10: Personal Loans under Retail Segment
Personal Loans under Retail Segment ₹ in Crore Gold Loan 28 Housing Loan 9 % % ₹ 1,029 ₹ 1,059 ₹ 1,095 ₹ 1,105 ₹ 1,124 ₹ 3,799 ₹ 4,039 ₹ 3,372 ₹ 3,553 ₹ 3,153 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Loan against property 54 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 % ₹ 462 ₹ 476 ₹ 379 ₹ 416
Slide 11: Sector wise Exposure
Sector wise Exposure ₹ in Crore Industry 3 -41 Agriculture and Allied Activities ₹ 1,528 ₹ 1,554 % % ₹ 1,412 ₹ 3,257 ₹ 1,376 ₹ 1,333 ₹ 2,744 ₹ 2,784 ₹ 2,709 ₹ 1,937 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Services 10 % ₹ 3,943 ₹ 4,211 ₹ 3,859 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 ₹ 3,504
Slide 12: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income Other Income 22 39 ₹ 128 ₹ 134 ₹ 139 % ₹ 121 % ₹ 52 ₹ 100 ₹ 42 ₹ 43 ₹ 39 ₹ 32 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Treasury Income 27 Fee Based Income 7 % % ₹ 76 ₹ 69 ₹ 68 ₹ 41 ₹ 60 ₹ 59 ₹ 36 ₹ 36 ₹ 26
Slide 13: Key Financial Indicators
Key Financial Indicators Operating expenses Cost to Income Ratio ₹ in Crore ₹ 144 ₹ 145 102.50% 80.81% 84.42% 78.18% 81.35% ₹ 140 ₹ 139 ₹ 135 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 CD Ratio NIM 3.25% 3.40% 3.46% 3.39% 73.70% 75.30% 75.49% 76.22% 75.33% 2.76%
Slide 14: Key Financial Indicators
Key Financial Indicators Gross NPA% Net NPA% ₹ in Crore 1.26% 4.04% 3.82% 1.12% 1.13% 3.53% 0.99% 2.98% 3.22% 0.86% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Provision Coverage Ratio Provision Coverage Ratio (without Technical W/Off) (inclusive of Technical W/Of
Slide 15: Key Financial Indicators
Key Financial Indicators ROA ROE 0.64% 0.67% 9.70% 0.48% 7.34% 8.42% 0.27% 3.48% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 -0.20% -3.12% Book Value (Rs.) EPS (Rs.) ₹ 40.64 ₹ 41.72 ₹ 42.43 ₹ 0.99 ₹ 35.35 ₹ 35.59 ₹ 0.76 ₹ 0.85 ₹ 0.31 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY2
Slide 16: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 12,482 Gross Advance 12482 Education Loan Scheme 2.49 1.28 MSME standard Restructuring 25.66 2.68 Other restructuring 8.34 0.36 Prudential Framework 52.52 - Project Under Impl
Slide 17: External Rating of Corporate Advances
External Rating of Corporate Advances 2% Rating Distribution 17% 19% Rating Q1 FY26 AAA 2% AA 19% 20% A 24% BBB 18% 24% <BBB 20% Rating Distribution 18% Unrated 17% AAA AA A BBB <BBB Unrated Total 100%
Slide 18: Asset Quality
Asset Quality SMA Movement ₹ in Crore ₹ 135 ₹ 105 ₹ 103 ₹ 82 ₹ 73 ₹ 74 ₹ 66 ₹ 69 ₹ 62 ₹ 58 ₹ 79 ₹ 49 ₹ 46 ₹ 43 ₹ 40 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 SMA 0 SMA 1 SMA 2
Slide 19: Performance
₹ in Crore Number of Branches Per Branch Business ₹ 108 ₹ 111 261 261 261 261 261 ₹ 96 ₹ 98 ₹ 101 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Number of Staff Business Per Employee 1689 1725 1762 1756 1758 ₹ 16 ₹ 17 ₹ 15 ₹ 15 ₹ 15 Performance Q1 FY25 Q2 FY25 Q3 FY2
Slide 20: CRAR
CRAR ₹ in Crore CRAR Particulars Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 18.26% CRAR (%) 13.37% 13.06% 12.79% 16.12% 18.26% 16.12% 2.79% 0.88% 13.37% 13.06% TIER I (%) 12.36% 12.10% 11.83% 15.25% 15.47% 12.79% 1.01% 0.96% 0.96% Risk Weighted Assets 7060 7295 7434 8155 8022 Credit Risk 5987 6222 6361
Slide 21: Business Result
Business Result ₹ in Crore For the Quarter Ended For the Year Ended Particulars 30.06.2024 31.03.2025 30.06.2025 31.03.2025 (Reviewed) (Audited) (Reviewed) (Audited) Q1 FY 25 Q4 FY 25 Q1 FY 26 Q4 FY 25 Interest Income-A 305.84 350.62 367.76 1319.88 Interest Expenses- B 205.95 216.39 228.66 836.59 Ne
Slide 22: Balance Sheet Overview
Balance Sheet Overview 30.06.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 ₹ in Crore Particulars (Reviewed) (Reviewed) (Reviewed) (Audited) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 253 394 394 Reserves and Surplus 775 803 821 1001 1010 Deposits 14441 14631 15068 16013 16570 Borrowings
Slide 23: Shareholding Pattern (as on 30th June, 2025)
Shareholding Pattern(as on 30th June, 2025) No. of Total % To Category Holders Shares Equity 8.44% 15.10% Resident Individuals 182881 170976660 43.32% 43.32% (Including HUF) 15.52% Non Resident Indians 1661 69541673 17.62% 17.62% Foreign Portfolio - Corp 30 61274780 15.52% Bodies Corporates 438 5960
Slide 24: Over 560 Customer Touch Points including 261 Branches
Over 560 Customer Touch Points including 261 Branches, 282 ATMs and 17 BCs Branch Presence No. of Branches Population 30.06.2024 30.06.2025 Metropolitan 58 58 Urban 71 71 Semi Urban 112 112 Rural 20 20 Performance Grand Total 261 261
Slide 25: Digital Migration
Digital Migration 89.70 Share of Digital Banking Transaction @ 89.70% as on 30th June, 2025 Compared to 81.21% as on 30th June, 2024
Slide 26: Management Profiles: MD & CEO and Executive Director
Mr. Ajith Kumar K.K, Managing Director & CEO ▪ Over 36 years of experience in various facets of banking including Credit, Human Resources, Business, Branch Banking etc., ▪ Graduate in Agriculture from Kerala Agricultural University (KAU) and MBA from Cochin University of Science and Technology (CUSA
Slide 27: Management Profiles: General Managers
Mr. Balasubramanian R, General Manager, Head-Treasury ▪ Over 25 years of experience in the banking and financial services. ▪ Was the Managing Director of Vruksha Micro Fin Pvt. Ltd, and vast experience in various areas of Banking in Indian Bank, Canara Bank including Treasury, Risk, Retail Assets, L
Slide 28: Management Profiles: DGMs
Mr. Binoy B S, DGM, Head-Business Development (Liabilities) ▪ Over 30 years of experience in banking including working with South Indian Bank and 4 years’ experience as a practicing lawyer. ▪ Graduate in Science, LLM & CAIIB. ▪ Vast experience in Legal, Credit Sanction, Credit Monitoring, Recovery a
Slide 29: Management Profiles: CFO and CRO
Ms. Kavitha T. A., DGM, Chief Financial Officer ▪ Qualified Chartered Accountant and Graduate in Commerce with CAIIB. Associated with DLB for over 22 years in different capacities. ▪ Has played a pivotal role in setting up the Integrated Risk Management Department and Operations Department of the Ba
Slide 30: Partners / Tie Ups
Partners / Tie Ups AGRI & MICRO CREDIT TRADING PARTNERS FINTECH PARTNERS GOVERNMENT BUSINESS LIFE INSURANCE GENERAL INSURANCE
Slide 31: Thank You
DhanlaxmiBank 4 ; certoblated 1927 Banking on Relationships forever T hank You!