Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q2 FY2025-26 Earnings Presentation
31 slides from Dhanlaxmi Bank's earnings presentation, September 2025
Slide 1: Investor Presentation Q2 FY 2025-26
0 DhanlaxmiBank {° Banking on Relationshios forever Investor Presentation Q2- FY - 2025-26 (%) www.dhan.bank.in
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 highlights
❖ Total Business grew by 17.53% and reached ₹ 30,146 Crore as on 30th September, 2025. ❖ Total Deposit grew by 16.90 % to reach ₹ 17,105 Crore. ❖ Gross Advance grew by 18.36% to reach ₹ 13,041 Crore. ❖ Gold Loan Portfolio registered a growth of 31.88% to reach ₹ 4,447 Crore. ❖ Retail Deposit grew by
Slide 4: Performance Y-o-Y highlights (continued)
❖ CRAR Basel III (%) improved to 17.81% from 13.06%. ❖ Provision Coverage Ratio as of September 30, 2025, is 86.94%. ❖ CD Ratio improved to 76.24% from 75.30% ❖ Interest Income increased by 16.66% to reach ₹ 383.61 Crore ❖ Total Income increased by 9.86% to reach ₹ 418.16 Crore ❖ NIM improved to 3.3
Slide 5: Total Business
Total Business ₹ in Crore 32000 ₹ 30,146 30000 ₹ 29,051 ₹ 28,219 28000 ₹ 26,443 26000 ₹ 25,650 24000 Performance Y-o-Y 22000 20000 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26
Slide 6: Total Deposit
Total Deposit ₹ in Crore 17 % ₹ 17,105 ₹ 16,570 ₹ 16,013 ₹ 15,068 ₹ 14,632 Performance Y-o-Y Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26
Slide 7: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 7 CASA to Total Deposit % % 31.66% 30.54% 29.02% 28.21% 28.87% ₹ 4,938 ₹ 4,633 ₹ 4,602 ₹ 4,647 ₹ 4,675 ₹ 3,730 ₹ 3,704 ₹ 3,722 ₹ 3,650 ₹ 3,794 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 ₹ 903 ₹ 898 ₹ 925 ₹ 1,025 ₹ 1,144 Retail TD to Total Deposit % 53.83% 53.16% 5
Slide 8: Gross Advance
Gross Advance ₹ in Crore Gross Advance 18 Retail Advance 17 % % ₹ 9,815 ₹ 13,041 ₹ 8,972 ₹ 9,212 ₹ 8,402 ₹ 8,595 ₹ 12,482 ₹ 12,206 ₹ 11,375 ₹ 11,018 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Corporate Advance 23 % ₹ 3,234 ₹ 3,269 ₹ 3,226 ₹ 2,616 ₹ 2,780 Performance Y-o-Y Q2 FY 25 Q3 FY 25 Q4 FY 2
Slide 9: Segment wise Advance Mix
Segment wise Advance Mix ₹ in Crore Gold Loan 32 Other Retail 22 % % ₹ 4,039 ₹ 4,447 ₹ 3,093 ₹ 3,372 ₹ 3,553 ₹ 3,799 ₹ 2,641 ₹ 2,767 ₹ 2,755 ₹ 2,534 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 SME 10 % Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 ₹ 1,705 ₹ 1,741 ₹ 1,872 ₹ 1,616 ₹ 1,631 Corporate Ad
Slide 10: Personal Loans under Retail Segment
Personal Loans under Retail Segment ₹ in Crore Gold Loan 32 Housing Loan 11 % % ₹ 1,059 ₹ 1,095 ₹ 1,105 ₹ 1,124 ₹ 1,172 ₹ 4,447 ₹ 3,799 ₹ 4,039 ₹ 3,372 ₹ 3,553 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Loan against property 38 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 ₹ 525 % ₹ 462 ₹ 476 ₹ 379
Slide 11: Sector wise Exposure
Sector wise Exposure ₹ in Crore -33 Industry 35 Agriculture and Allied Activities % ₹ 1,799 % ₹ 1,528 ₹ 1,554 ₹ 1,412 ₹ 1,333 ₹ 2,744 ₹ 2,784 ₹ 2,709 ₹ 1,937 ₹ 1,840 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Services 39 ₹ 4,958 % ₹ 3,943 ₹ 4,211 ₹ 3,859 ₹ 3,559 Q2 FY 25 Q3 FY 25 Q4 FY 25 Q1 FY 26
Slide 12: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income Other Income ₹ 52 ₹ 139 ₹ 142 ₹ 42 ₹ 43 ₹ 134 ₹ 39 ₹ 35 ₹ 128 ₹ 121 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Fee Based Income Treasury Income ₹ 41 ₹ 69 ₹ 68 ₹ 76 ₹ 74 ₹ 36 ₹ 36 ₹ 33 ₹ 59 ₹ 28 Q2 FY25 Q3 FY
Slide 13: Key Financial Indicators
Key Financial Indicators ₹ in Crore Operating expenses ₹ 148 84.42% Cost to Income Ratio 84.03% ₹ 144 ₹ 145 80.81% 81.35% ₹ 140 ₹ 139 78.18% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 CD Ratio NIM 3.46% 75.30% 75.49% 76.22% 75.33% 76.24% 3.40% 3.39% 3.33% 3.25% Q
Slide 14: Key Financial Indicators
Key Financial Indicators ₹ in Crore Gross NPA% Net NPA% 3.82% 1.12% 1.13% 1.12% 3.53% 3.22% 0.86% 0.99% 2.98% 3.10% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 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% 9.70% 0.67% 8.42% 0.48% 7.34% 6.49% 0.49% 0.27% 3.48% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Book Value (Rs.) EPS (Rs.) ₹ 41.72 ₹ 42.43 ₹ 35.35 ₹ 35.59 ₹ 35.91 ₹ 0.99 ₹ 0.76 ₹ 0.85 ₹ 0.59 ₹ 0.31 Q2 FY25 Q3 FY25 Q4 FY25 Q
Slide 16: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 13,041 Gross Advance 13041 Education Loan Scheme 2.38 1.30 MSME standard Restructuring 25.41 2.58 Other restructuring 8.06 0.20 Prudential Framework 52.30 - Project Under Impl
Slide 17: External Rating of Corporate Advances
External Rating of Corporate Advances 2% Rating Distribution 21% Rating Q2 FY26 22% AAA 2% AA 22% 11% A 27% BBB 17% <BBB 11% 27% Rating 17% Distribution Unrated 21% AAA AA A BBB <BBB Unrated Total 100%
Slide 18: Asset Quality
Asset Quality ₹ in Crore SMA Movement ₹ 105 ₹ 103 ₹ 82 ₹ 78 ₹ 74 ₹ 73 ₹ 72 ₹₹₹66 69 79 ₹ 58 ₹ 71 ₹ 46 ₹ 43 ₹ 40 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 SMA 0 SMA 1 SMA 2
Slide 19: Performance
₹ in Crore Number of Branches Per Branch Business 261 261 261 261 261 ₹ 111 ₹ 116 ₹ 108 ₹ 98 ₹ 101 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Number of Staff Business Per Employee 1725 1762 1756 1758 1756 ₹ 17 ₹ 17 ₹ 16 ₹ 15 ₹ 15 Performance Q2 FY25 Q3 FY25 Q4 FY
Slide 20: CRAR
CRAR ₹ in Crore CRAR Particulars Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 18.26% 17.81% 16.12% CRAR (%) 13.06% 12.79% 16.12% 18.26% 17.81% 2.79% 2.77% 0.88% TIER I (%) 12.10% 11.83% 15.25% 15.47% 15.04% 13.06% 12.79% 0.96% 0.96% Risk Weighted Assets 7295 7434 8155 8022 8152 Credit Risk 6222 6361 6984
Slide 21: Business Result
Business Result ₹ in Crore For the quarter ended For the half year ended Year Ended Particulars 30.09.24 30.06.25 30.09.25 30.09.24 30.09.25 31.03.25 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) Interest Income-A 328.83 367.76 383.61 634.67 751.37 1319.88 Interest Expenses- B 208
Slide 22: Balance Sheet Overview
Balance Sheet Overview Particulars 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 ₹ in Crore (Reviewed) (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 253 394 394 394 Reserves and Surplus 803 821 1001 1010 1023 Deposits 14631 15068 16013 16570 17105 Borrowings
Slide 23: Shareholding Pattern (as on 30th September, 2025)
Shareholding Pattern(as on 30th September, 2025) No. of Total % To Category Holders Shares Equity 8.44% Resident Individuals 14.84% 181331 172974661 43.82% 43.82% (Including HUF) 15.28% Non Resident Indians 1655 69549787 17.62% 17.62% Foreign Portfolio - Corp 29 60293415 15.28% Bodies Corporates 421
Slide 24: Over 543 Customer Touch Points, Branch Presence
Over 543 Customer Touch Points including 261 Branches, 282 ATMs Branch Presence No. of Branches Population 30.09.2024 30.09.2025 Metropolitan 58 58 Urban 71 71 Semi Urban 112 112 Rural 20 20 Performance Grand Total 261 261
Slide 25: Digital Migration
Digital Migration 89.82 Share of Digital Banking Transaction @ 89.82% as on 30th September, 2025 Compared to 81.14% as on 30th September, 2024
Slide 26: Management Profiles: MD & CEO, Executive Director
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 27: Management Profiles: General Managers
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 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!