Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q4 FY2025-26 Earnings Presentation
33 slides from Dhanlaxmi Bank's earnings presentation, March 2026
Slide 1: Investor Presentation Q4 FY 2025-26
Investor Presentation Q4 - FY - 2025-26
Slide 2: Board of Directors
Shri. K.N Madhusoodanan Shri. Ajith Kumar K.K Shri. P. Suriaraj Shri. G. Rajagopalan Nair Dr. Nirmala Padmanabhan PART-TIME CHAIRMAN MD & CEO EXECUTIVE DIRECTOR INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR Shri.Nageswara Rao - Ms. Vardhini Kalyanaraman Dr. Jineesh Nath C.K Shri. Ashutosh Khajuria Smt.
Slide 3: Performance Highlights
Performance Highlights ❖ Bank recorded an all-time high profit of ₹ 102.75 Crore ❖ Total Business grew by 19.68% and reached ₹ 33,772 Crore ❖ Total Deposit grew by 16.42% to reach ₹ 18,643 Crore. ❖ Retail Deposit grew by 16.66% to reach ₹ 15,090 Crore. ❖ Gross Advance grew by 23.95% to reach ₹ 15,12
Slide 4: Performance Highlights
Performance Highlights ❖ CRAR Basel III (%) improved to 18.92% from 16.13%. ❖ Provision Coverage Ratio improved to 92.46% from 88.84% ❖ CD Ratio improved to 81.15% from 76.22% ❖ Yield on Advance improved to 10.01% from 9.83% ❖ Yield on Investments improved to 6.30% from 6.23% ❖ NIM improved to 3.53%
Slide 5: Performance Highlights
Performance Highlights ❖ Operating profit increased by 193.87% to reach ₹ 113.67 Crore ❖ Interest Income increased by 26.36% to reach ₹ 443.05 Crore ❖ Total Income increased by 30.13% to reach ₹ 512.34 Crore ❖ Yield on Advance improved to 10.17% from 10.08% ❖ Yield on Investments improved to 6.38% f
Slide 6: Total Business
Total Business ₹ in Crore 36000 ₹ 33,772 34000 ₹ 31,929 32000 ₹ 30,146 30000 ₹ 29,051 ₹ 28,219 28000 26000 24000 Performance Y-o-Y 22000 20000 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26
Slide 7: Total Deposit
Total Deposit ₹ in Crore ₹ 18,643 ₹ 17,839 ₹ 17,105 ₹ 16,570 ₹ 16,013 Performance Y-o-Y Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26
Slide 8: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 16 CASA to Total Deposit % % ₹ 5,380 29.02% 28.21% 28.87% 28.13% 28.86% ₹ 4,938 ₹ 5,018 ₹ 4,647 ₹ 4,675 ₹ 4,204 ₹ 3,722 ₹ 3,650 ₹ 3,794 ₹ 3,880 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 ₹ 925 ₹ 1,025 ₹ 1,144 ₹ 1,138 ₹ 1,176 Retail TD to Total Deposit % 51.76% 51.
Slide 9: Gross Advance
Gross Advance ₹ in Crore ₹ 15,129 ₹ 14,090 ₹ 13,041 ₹ 12,482 ₹ 12,206 Performance Y-o-Y Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26
Slide 10: Segment wise Advance Mix
Segment wise Advance Mix ₹ in Crore Gold Loan 71 Other Retail Advance -3 % % ₹ 6,512 ₹ 3,541 ₹ 3,432 ₹ 3,496 ₹ 3,535 ₹ 3,432 ₹ 5,361 ₹ 4,039 ₹ 4,447 ₹ 3,799 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 -6 SME 31 Corporate Advance % % ₹ 3,234 ₹ 3,269 ₹ 3,2
Slide 11: Loans under Retail Segment
Loans under Retail Segment ₹ in Crore Gold Loan 71 Housing Loan 11 % % ₹ 1,105 ₹ 1,124 ₹ 1,172 ₹ 1,208 ₹ 1,227 ₹ 6,512 ₹ 5,361 ₹ 4,039 ₹ 4,447 ₹ 3,799 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Loan against property 36 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 % ₹ 607 ₹ 630 ₹ 462 ₹ 476 ₹ 525 -3
Slide 12: Sector wise Exposure
Sector wise Exposure ₹ in Crore Industry 5 Agriculture and Allied Activities 30 ₹ 1,799 ₹ 1,785 % % ₹ 1,554 ₹ 1,630 ₹ 1,412 ₹ 3,531 ₹ 2,709 ₹ 2,460 ₹ 1,937 ₹ 1,840 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Services 0.12 ₹ 4,958 ₹ 4,653 % ₹ 4,211 ₹ 3,859 ₹ 4,216 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26
Slide 13: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income ₹ 187 Non Interest Income ₹ 139 ₹ 142 ₹ 154 ₹ 134 ₹ 69 ₹ 43 ₹ 49 ₹ 39 ₹ 35 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Fee Based Income Treasury Income ₹ 50 ₹ 76 ₹ 44 ₹ 74 ₹ 75 ₹ 36 ₹ 33 ₹ 28 ₹ 68 ₹ 69 Q4 FY2
Slide 14: Key Financial Indicators
Key Financial Indicators ₹ in Crore Operating expenses Cost to Income Ratio ₹ 162 78.18% 81.35% 84.03% 79.78% ₹ 148 55.66% ₹ 145 ₹ 143 ₹ 139 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 CD Ratio NIM 76.22% 75.33% 76.24% 78.98% 81.15% 3.98% 3.46% 3.39% 3.35% 3.33% Q
Slide 15: Key Financial Indicators
Key Financial Indicators ₹ in Crore Gross NPA% Net NPA% 2.98% 3.22% 3.10% 1.13% 1.12% 1.11% 2.36% 0.99% 1.89% 0.51% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Provision Coverage Ratio Provision Coverage Ratio (without Technical W/Off) (inclusive of Technical W/Of
Slide 16: Key Financial Indicators
Key Financial Indicators ROA ROE 11.97% 0.67% 0.84% 8.42% 0.49% 0.47% 6.49% 6.59% 0.27% 3.48% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Book Value (Rs.) EPS (Rs.) ₹ 37.34 ₹ 1.10 ₹ 36.45 ₹ 0.85 ₹ 35.59 ₹ 35.91 ₹ 0.61 ₹ 35.35 ₹ 0.59 ₹ 0.31 Q4 FY25 Q1 FY26 Q2 FY26
Slide 17: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 15,129 Gross Advance 15129 Education Loan Scheme 2.44 1.37 MSME standard Restructuring 20.22 2.43 Other restructuring 3.85 0.18 Prudential Framework 3.94 - Project Under Imple
Slide 18: External Rating of Corporate Advances
External Rating of Corporate Advances 1% Rating Distribution 25% 21% Rating Q4 FY26 AAA 1% AA 21% A 27% 8% BBB 18% 27% <BBB 8% Rating 18% Distribution Unrated 25% AAA AA A BBB <BBB Unrated Total 100%
Slide 19: Asset Quality
Asset Quality ₹ in Crore SMA Movement 82 79 78 71 74 66 69 72 53 40 40 33 31 31 21 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 SMA 0 SMA 1 SMA 2
Slide 20: Performance
₹ in Crore Number of Branches Per Branch Business ₹ 122 ₹ 128 261 261 261 261 264 ₹ 111 ₹ 116 ₹ 108 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Number of Staff Business Per Employee 1849 1856 1756 1758 1756 ₹ 18 ₹ 17 ₹ 17 ₹ 17 ₹ 16 Performance Q4 FY25 Q1 FY26 Q2 F
Slide 21: CRAR
CRAR ₹ in Crore CRAR Particulars Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 18.26% 18.92% 17.81% 17.19% 16.13% 2.81% CRAR (%) 16.13% 18.26% 17.81% 17.19% 18.92% 2.79% 2.77% 0.88% 2.72% TIER I (%) 15.25% 15.47% 15.04% 14.47% 16.11% Risk Weighted Assets 8155 8022 8152 8453 8316 Credit Risk 6984 6826 6890
Slide 22: Movement of NPA
Movement of NPA For the quarter ended For the year ended ₹ in Crore Particulars 31.03.2026 31.12.2025 31.03.2025 31.03.2026 31.03.2025 (Audited) (Reviewed) (Audited) (Audited) Gross NPA ratio (%) 1.89 2.36 2.98 1.89 2.98 Net NPA ratio (%) 0.51 1.11 0.99 0.51 0.99 Provision Coverage Ratio (incl. Tech
Slide 23: Business Result
Business Result ₹ in Crore For the quarter ended For the year ended Particulars 31.03.2025 31.12.2025 31.03.2026 31.03.2025 31.03.2026 (Audited) (Reviewed) (Audited) (Audited) Interest Income-A 350.62 407.06 443.05 1319.88 1601.48 Interest Expenses- B 216.39 252.84 256 836.59 979.15 Net Interest Inc
Slide 24: Balance Sheet Overview
Balance Sheet Overview ₹ in Crore 31.03.2025 30.06.2025 30.09.2025 31.12.2025 31.03.2026 (Audited) (Reviewed) (Reviewed) (Reviewed) (Audited) CAPITAL AND LIABILITIES Capital 395 395 395 395 395 Reserves and Surplus 1001 1010 1022 1044 1079 Deposits 16013 16570 17105 17839 18643 Borrowings 200 420 45
Slide 25: Shareholding Pattern (as on 31st March 2026)
Shareholding Pattern(as on 31st March 2026) No. of Total % To Category Holders Shares Equity 8.60% Resident Individuals 15.27% 173590 169724378 43.00% 43.00% (Including HUF) 15.42% Non Resident Indians 1696 69884697 17.71% 17.71% Foreign Portfolio - Corp 31 60861364 15.42% Bodies Corporates 409 6028
Slide 26: Over 549 Customer Touch Points including 264 Branches, 285 ATMs
Over 549 Customer Touch Points including 264 Branches, 285 ATMs Branch Presence No. of Branches Population 31.03.2025 31.03.2026 Metropolitan 58 58 Urban 71 72 Semi Urban 112 114 Rural 20 20 Performance Grand Total 261 264
Slide 27: Digital Migration
Digital Migration in 000 Digital Transaction Trends 90.12% 19218, (90.12%) 15451, (88.27%) Share of Digital Banking Transaction @ 90.12% as on 31st March 2026 7397, (78.68%) 5259, (72.79%) Compared to 3383, (65.36%) 88.27% as on 1792 1965 2004 2053 2106 31st March, 2025 March 2022 March 2023 March 2
Slide 28: Management Team
Mr. Ajith Kumar K.K, Managing Director & CEO ▪ Over 37 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 29: Management Team
Mr. Balasubramanian R, General Manager, Head-Treasury ▪ Over 26 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 30: Management Team
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 31: Management Team
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 32: Partners / Tie Ups
Partners / Tie Ups AGRI & MICRO CREDIT TRADING PARTNERS FINTECH PARTNERS GOVERNMENT BUSINESS LIFE INSURANCE GENERAL INSURANCE
Slide 33: Thank You
DhanlaxmiBank 4 ; certoblated 1927 Banking on Relationships forever Than k You!