Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q4 FY25 Earnings Presentation
31 slides from Dhanlaxmi Bank's earnings presentation, March 2025
Slide 1: Dhanlaxmi Bank - Banking on Relationships forever
DhanlaxmiBank established 1927 Fy. Banking on Relationships forever
Slide 2: Board of Directors
BOARD OF DIRECTORS Shri. K.N Madhusoodanan Shri. Ajith Kumar K.K Shri. P. Suriaraj Shri. G. Rajagopalan Nair Shri. D. K. Kashyap INDEPENDENT DIRECTOR RBI ADDITIONAL DIRECTOR DIRECTORS PART-TIME CHAIRMAN MD & CEO EXECUTIVE DIRECTOR Dr. Nirmala Padmanabhan Ms. Vardhini Kalyanaraman Shri.Nageswara Rao
Slide 3: Performance Y-o-Y highlights
❖ Total Business of the Bank grew by 14.31% and reached ₹ 28,219 Crore as on March 31st, 2025. ❖ Total Deposit of the Bank grew by 12.06 % to reach ₹ 16,013 Crore. ❖ Gross Advance of the Bank grew by 17.40% to reach ₹ 12,206 Crore. ❖ Gold Loan Portfolio registered a growth of 33.81% to reach ₹ 3,799
Slide 4: Performance Y-o-Y ratios
❖ CRAR Basel III (%) improved to 16.12% from 12.71%. ❖ Cost to Income Ratio reduced to 85.42% from 88.66%. ❖ CD Ratio improved to 76.22% from 72.76% Performance ❖ RoA improved to 0.41% from 0.38% Y-o-Y ❖ NIM improved to 3.20% from 3.17% ❖ Yield on Investments improved to 6.23% from 5.73%.
Slide 5: Business Performance: Total Business
BUSINESS PERFORMANCE ₹ in Crore TOTAL BUSINESS 29000 ₹ 28,219 28000 27000 ₹ 26,443 26000 ₹ 25,650 TOTAL ₹ 25,084 ₹ 24,687 BUSINESS 25000 Performance 24000 Y-o-Y 23000 22000 21000 20000 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25
Slide 6: Total Deposit
₹ in Crore Retail Deposit 12 TOTAL DEPOSIT % 12% ₹ 12,509 ₹ 12,612 ₹ 12,934 ₹ 16,013 ₹ 12,279 ₹ 11,571 ₹ 15,068 ₹ 14,441 ₹ 14,632 ₹ 14,290 TOTAL Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 DEPOSIT Performance Bulk Deposit 13 Y-o-Y % ₹ 3,079 ₹ 2,719 ₹ 2,456 ₹ 2,162 ₹ 2,123 Q4 FY 24 Q1 FY 25 Q2 FY 25
Slide 7: Deposit Mix
₹ in Crore CA SA CASA CASA to Total Deposit % 6% ₹ 4,504 ₹ 4,633 ₹ 4,602 ₹ 4,647 30.66% 31.19% 31.66% 30.54% 29.02% ₹ 4,381 ₹ 3,533 ₹ 3,610 ₹ 3,730 ₹ 3,704 ₹ 3,722 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Retail TD to Total Deposit % ₹ 848 ₹ 894 ₹ 903 ₹ 898 ₹ 925 DEPOSIT Q4 FY 24 Q1 FY 25 Q2 FY
Slide 8: Gross Advance
₹ in Crore Gross Advance Retail Advance 17% 16% ₹ 8,595 ₹ 8,972 ₹ 8,018 ₹ 8,402 ₹ 12,206 ₹ 7,757 ₹ 11,375 ₹ 11,018 ₹ 10,643 ₹ 10,397 GROSS Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 ADVANCE Performance Y-o-Y Corporate Advance 23% ₹ 3,234 ₹ 2,640 ₹ 2,625 ₹ 2,616 ₹ 2,780 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q
Slide 9: Advance Mix
Gold Loan ₹ in Crore 34 Other Retail ₹ 3,553 ₹ 3,799 % ₹ 3,153 ₹ 3,372 17 ₹ 2,839 ₹ 2,641 ₹ 2,767 % ₹ 2,428 ₹ 2,534 ₹ 2,358 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 SME -4% ₹ 1,706 ₹ 1,658 ₹ 1,705 ₹ 1,616 ₹ 1,631 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Advance Mix Corporate Advance 23 Perfo
Slide 10: Personal Loans under Retail Segment
₹ in Crore Gold Loan 34 Housing Loan 10 % % ₹ 3,799 ₹ 1,003 ₹ 1,029 ₹ 1,059 ₹ 1,095 ₹ 1,105 ₹ 3,372 ₹ 3,553 ₹ 3,153 ₹ 2,839 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Loan against property 89 Personal Loans Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 ₹ 462 % ₹ 379 ₹ 416 under Retail ₹ 310 ₹ 245 S
Slide 11: Sector wise Exposure Performance
₹ in Crore Industry ₹ 1,554 15% Agriculture and Allied Activities ₹ 1,528 14% ₹ 3,257 ₹ 1,351 ₹ 1,376 ₹ 1,333 ₹ 2,744 ₹ 2,784 ₹ 2,709 ₹ 2,372 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 Services Sector wise 16% Exposure ₹ 3,616 ₹ 3,559 ₹ 3,943 ₹ 4,211 Q4 FY 24 Q1 FY 25 Q2 FY 25 Q3 FY 25 Q4 FY 25 ₹
Slide 12: Key Financial Indicators For the Quarter
₹ in Crore Net Interest Income 28 Other Income 5% ₹ 128 ₹ 134 % ₹ 52 ₹ 121 ₹ 105 ₹ 100 ₹ 41 ₹ 42 ₹ 43 ₹ 32 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Fee Based Income Treasury Income 1% 16 Key Financial % ₹ 69 ₹ 67 ₹ 68 Indicators ₹ 41 ₹ 36 ₹ 36 ₹ 31 ₹ 60 ₹ 59 Fo
Slide 13: Key Financial Indicators For the Quarter
Cost to Income Ratio ₹ in Crore Operating expenses ₹ 163 111.95% 102.50% ₹ 135 ₹ 140 ₹ 144 ₹ 139 80.81% 84.42% 78.18% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 CD Ratio NIM 3.25% 3.40% 3.46% 2.98% 2.76% Key Financial 72.76% 73.70% 75.30% 75.49% 76.22% Indicators
Slide 14: Key Financial Indicators For the Quarter
Gross NPA% Net NPA% ₹ in Crore 1.25% 1.26% 4.05% 4.04% 3.82% 1.12% 3.53% 0.99% 2.98% 0.86% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Key Financial Provision Coverage Ratio Provision Coverage Ratio Indicators (without Technical W/Off) (inclusive of Technical W/Of
Slide 15: Financial Ratios For the Quarter
ROA ROE 0.64% 0.67% 9.70% 0.48% 7.34% 8.42% 0.08% 1.29% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 -0.20% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 -3.12% Book Value (Rs.) EPS (Rs.) ₹ 40.70 ₹ 40.64 ₹ 41.72 ₹ 42.43 Financial Ratios ₹ 35.35 ₹ 0.99 ₹ 0.76 ₹ 0.85 For the Quarter ₹ 0.13 Q4 FY24 Q1 FY25 Q2 FY2
Slide 16: Total Restructured Advances Rs.182.64 Crore
Total Restructured Advances Rs.182.64 Crore on 31st March, 2025 ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard Gross Advance, Gross Advance 12206 12206 Education Loan Scheme 2.54 1.39 MSME standard Restructuring 25.69 2.71 Restructured Advances O
Slide 17: External Rating of Corporate Advances
External Rating of Corporate Advances 2% Rating Distribution 18% 17% Rating Q4 FY25 AAA 2% AA 17% A 24% 21% Rating 24% BBB 18% Distribution <BBB 21% Unrated 18% 18% AAA AA A BBB <BBB Unrated Total 100%
Slide 18: SMA Movement Asset Quality
SMA Movement ₹ in Crore ₹ 135 ₹ 105 ₹ 103 ₹ 82 ₹ 75 ₹ 74 ₹ 73 Asset ₹ 62 ₹ 58 Quality ₹ 53 ₹ 49 ₹ 48 ₹ 46 ₹ 43 ₹ 40 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 SMA 0 SMA 1 SMA 2
Slide 19: Performance: Branches and Staff
₹ in Crore Number of Branches Per Branch Business ₹ 108 261 261 261 261 261 ₹ 96 ₹ 98 ₹ 101 ₹ 95 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Performance Number of Staff Business Per Employee 1686 1689 1725 1762 1756 ₹ 16 ₹ 15 ₹ 15 ₹ 15 ₹ 15 Q4 FY24 Q1 FY25 Q2 FY25
Slide 20: CRAR
CRAR ₹ in Crore Particulars Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 CRAR 16.12% CRAR (%) 12.71% 13.37% 13.06% 12.79% 16.12% 0.88% 13.37% 13.06% 12.71% 12.79% TIER I (%) 11.36% 12.36% 12.10% 11.83% 15.24% 1.01% 0.96% 1.35% 0.96% Risk Weighted Assets 7462 7060 7295 7434 8155 Credit Risk 6029 5987 6222
Slide 21: Business Result
₹ in Crore For the Quarter Ended For the Year Ended 31.03.2025 31.12.2024 31.03.2024 31.03.2025 31.03.2024 Particulars (Audited) (Reviewed) (Audited) (Audited) (Audited) Q4 FY 25 Q3 FY 25 Q4 FY 24 Q4 FY 25 Q4 FY 24 Interest Income-A 350.62 334.59 306.23 1319.88 1206.99 Interest Expenses- B 216.39 20
Slide 22: Balance Sheet Overview
31.03.2024 30.06.2024 30.09.2024 31.12.2024 31.03.2025 ₹ in Crore Particulars (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) CAPITAL AND LIABILITIES Capital 253 253 253 253 394 Reserves and Surplus 777 775 803 821 1001 Deposits 14290 14441 14631 15068 16013 Borrowings 299 150 150 150 200 Other
Slide 23: Shareholding Pattern (as on 31st March, 2025)
Shareholding Pattern(as on 31st March, 2025) No. of Total % To Category Holders Shares Equity 8.44% 15.30% Resident Individuals 43.48% 186214 171612773 43.48% (Including HUF) 15.26% Non Resident Indians 1618 69168865 17.52% 17.52% Foreign Portfolio - Corp 28 60239955 15.26% Bodies Corporates 439 603
Slide 24: Over 560 Customer Touch Points
Over 560 Customer Touch Points including 261 Branches, 282 ATMs and 17 BCs Branch Presence No. of Branches Population 31.03.24 31.03.25 Metropolitan 58 58 Urban 71 71 Semi Urban 112 112 Performance Rural 20 20 Grand Total 261 261
Slide 25: Digital Migration
Digital Migration Internet Transaction Volume In ‘000 86 525 532 % 465 343 363 82.54 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Share of Digital Mobile Transaction Volume Banking 14 488 % Transaction @ 82.54% as on 263 272 277 272 31st March, 2025 Compared to 78.68% as on Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY2
Slide 26: Strong Management Team
Strong Management Team 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 Scien
Slide 27: Strong Management Team
Strong Management Team 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,
Slide 28: Strong Management Team
Strong Management Team Mr. Binoy B S, DGM, Head-Business Development (Liabilities) ▪ Over 27 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
Slide 29: Strong Management Team
Strong Management Team Ms. Kavitha T. A., DGM, Chief Financial Officer ▪ Qualified Chartered Accountant and Graduate in Commerce with CAIIB. Associated with DLB for over 21 years in different capacities. ▪ Has played a pivotal role in setting up the Integrated Risk Management Department and Operatio
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 { Banking on Relat ips forever Thank You!