Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q1 FY2026-27 Earnings Presentation
31 slides from Dhanlaxmi Bank's earnings presentation, June 2026
Slide 1: Investor Presentation Q1 FY 2026-27
Pron a Investor Presentation Q1 - FY - 2026-27 www.dhan.bank.in
Slide 2: Board of Directors
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. C. Nageswara Rao Ms. Sujatha Jaganathan Ms. Vardhini Kalyanaraman Dr. Ji
Slide 3: Performance Highlights
Performance Highlights ❖ Total Business grew by 21.13% and reached ₹ 35,190 Crore ❖ Total Deposit grew by 17.10% to reach ₹ 19,404 Crore. ❖ Retail Deposit grew by 18.97% to reach ₹ 15,769 Crore. ❖ Gross Advance grew by 26.47% to reach ₹ 15,786 Crore. Q1 FY 2026-27 Y-o-Y ❖ Gold Loan Portfolio registe
Slide 4: Performance Highlights
Performance Highlights ❖ Provision Coverage Ratio improved to 92.77% from 87.31% ❖ CRAR Basel III (%) improved to 19.19% from 18.26%. ❖ CD Ratio improved to 81.35% from 75.33% Q1 FY 2026-27 ❖ Yield on Investments improved to 6.48% from 6.35% Y-o-Y ❖ NIM improved to 3.57% from 3.39% ❖ Cost of Funds r
Slide 5: Total Business
Total Business ₹ in Crore 21.13% ₹ 35,190 36000 ₹ 33,772 34000 ₹ 31,929 32000 ₹ 30,146 ₹ 29,052 30000 Performance Y-o-Y 28000 26000 24000 22000 20000 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27
Slide 6: Total Deposit
Total Deposit ₹ in Crore 17.10% 21000 ₹ 19,404 ₹ 18,643 ₹ 17,839 19000 ₹ 17,105 ₹ 16,570 17000 Performance Y-o-Y 15000 13000 11000 9000 7000 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27
Slide 7: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 20% CASA to Total Deposit % ₹ 5,380 ₹ 5,591 28.21% 28.87% 28.13% 28.86% 28.81% ₹ 4,938 ₹ 5,018 ₹ 4,675 ₹ 4,204 ₹ 4,312 ₹ 3,650 ₹ 3,794 ₹ 3,880 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 ₹ 1,025 ₹ 1,144 ₹ 1,138 ₹ 1,176 ₹ 1,279 Retail TD to Total Deposit % 51.78% 51
Slide 8: Gross Advance
Gross Advance ₹ in Crore 26.47% 17000 ₹ 15,786 ₹ 15,129 ₹ 14,090 15000 ₹ 13,041 ₹ 12,482 13000 Performance Y-o-Y 11000 9000 7000 5000 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27
Slide 9: Segment wise Advance Mix
Segment wise Advance Mix ₹ in Crore Gold Loan 76% Other Retail Advance -2% ₹ 7,105 ₹ 3,432 ₹ 3,496 ₹ 3,535 ₹ 3,432 ₹ 3,379 ₹ 6,512 ₹ 5,361 ₹ 4,039 ₹ 4,447 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Performance Y-o-Y MSME 29% Corporate Advance -7% ₹ 2,25
Slide 10: Loans under Retail Segment
Loans under Retail Segment ₹ in Crore Gold Loan 76% Housing Loan 9% ₹ 7,105 ₹ 1,124 ₹ 1,172 ₹ 1,208 ₹ 1,227 ₹ 1,228 ₹ 6,512 ₹ 5,361 ₹ 4,447 ₹ 4,039 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Loan against property 36% Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Performance ₹ 630 ₹ 649 ₹ 607 Y-o-Y
Slide 11: Sector wise Exposure
Sector wise Exposure ₹ in Crore Industry 31% Agriculture and Allied Activities 73% ₹ 1,799 ₹ 1,785 ₹ 1,844 ₹ 1,630 ₹ 1,412 ₹ 3,531 ₹ 3,343 ₹ 2,460 ₹ 1,937 ₹ 1,840 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Services 11% ₹ 4,958 ₹ 4,653 Performance ₹ 3,859 ₹ 4,216 ₹ 4,276 Q1 FY 26 Q2 FY 26 Q3 FY 26
Slide 12: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income ₹ 187 Non Interest Income ₹ 178 ₹ 139 ₹ 142 ₹ 154 ₹ 69 ₹ 49 ₹ 39 ₹ 35 ₹ 35 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Fee Based Income Treasury Income ₹ 50 ₹ 76 For the ₹ 44 ₹ 76 ₹ 74 ₹ 75 ₹ 33 ₹ 29 Quarter
Slide 13: Key Financial Indicators
Key Financial Indicators ₹ in Crore Operating expenses Cost to Income Ratio ₹ 162.33 81.35% 84.03% 79.78% ₹ 161.06 75.79% ₹ 148.32 55.66% ₹ 145.12 ₹ 142.67 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CD Ratio NIM 75.33% 76.24% 78.98% 81.15% 81.35% 3.98% For the Qu
Slide 14: Key Financial Indicators
Key Financial Indicators ₹ in Crore Gross NPA% Net NPA% 3.22% 3.10% 1.13% 1.12% 1.11% 2.36% 1.89% 1.82% 0.51% 0.47% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 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 11.97% 0.84% 0.49% 6.49% 6.59% 6.60% 0.27% 0.47% 0.45% 3.48% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Book Value (Rs.) EPS (Rs.) ₹ 38.34 ₹ 1.10 For the ₹ 37.34 Quarter ₹ 35.91 ₹ 36.45 ₹ 0.59 ₹ 0.61 ₹ 0.63 ₹ 35.59 ₹ 0.31 Q1 FY26
Slide 16: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 15,786 Gross Advance 15786 Education Loan Scheme 2.31 1.22 MSME standard Restructuring 20.12 2.31 Other restructuring 3.82 0.17 Prudential Framework 3.90 - Project Under Imple
Slide 17: External Rating of Corporate Advances
External Rating of Corporate Advances 0% Rating Distribution 24% Rating Q1 FY27 26% AAA - AA 24% Rating A 26% Distribution 7% BBB 17% 26% <BBB 7% 17% Unrated 26% AAA AA A BBB <BBB Unrated Total 100%
Slide 18: Asset Quality
Asset Quality ₹ in Crore SMA Movement 79 78 71 70 66 69 72 53 40 33 33 40 31 31 21 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 SMA 0 SMA 1 SMA 2
Slide 19: Number of Branches, Staff and Business per Branch/Employee
₹ in Crore Number of Branches Per Branch Business ₹ 128 ₹ 133 ₹ 122 261 261 261 264 264 ₹ 111 ₹ 116 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Number of Staff Business Per Employee 1849 1856 1851 ₹ 19 1758 1756 ₹ 18 ₹ 17 ₹ 17 ₹ 17 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26
Slide 20: CRAR
CRAR ₹ in Crore CRAR Particulars Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 18.92% 19.19% 18.26% 17.81% 17.19% CRAR (%) 18.26% 17.81% 17.19% 18.92% 19.19% 2.81% 2.45% 2.79% 2.77% 2.72% TIER I (%) 15.47% 15.04% 14.47% 16.11% 16.74% Risk Weighted Assets 8022 8152 8453 8316 8423 Credit Risk 6826 6890 7190
Slide 21: Business Result
Business Result ₹ in Crore For the quarter ended For the year Particulars 30.06.26 31.03.26 30.06.25 ended 31.03.2026 (Reviewed) (Audited) (Reviewed) Interest Income-A 449.36 443.05 367.76 1601.48 Interest Expenses- B 271.74 256.00 228.66 979.15 Net Interest Income 177.62 187.05 139.10 622.33 Non-In
Slide 22: Balance Sheet Overview
Balance Sheet Overview ₹ in Crore 30.06.2025 30.09.2025 31.12.2025 31.03.2026 30.06.2026 (Reviewed) (Reviewed) (Reviewed) (Audited) (Reviewed) Capital 395 395 395 395 395 Reserves and Surplus 1010 1022 1044 1079 1119 Deposits 16570 17105 17839 18643 19404 Borrowings 420 453 501 737 858 Other Liabili
Slide 23: Shareholding Pattern (as on 30th June 2026)
Shareholding Pattern(as on 30th June 2026) No. of Total % To Category Holders Shares Equity 8.60% Resident Individuals 39.74% 165044 156845010 39.74% 19.94% (Including HUF) Non Resident Indians 1670 69551836 17.62% 14.10% 17.62% Foreign Portfolio - Corp 35 55646717 14.10% Bodies Corporates 402 78711
Slide 24: Over 549 Customer Touch Points including 264 Branches, 285 ATMs
Over 549 Customer Touch Points including 264 Branches, 285 ATMs Branch Presence No. of Population Branches 30.06.2026 Metropolitan 58 Urban 72 Semi Urban 114 Rural 20 Grand Total 264
Slide 25: Digital Migration
Digital Migration in 000 Digital Transaction Trends 91.10% 19218, (90.12%) 19231, (91.10%) 18741, (90.50%) 16683, (89.82%) Share of Digital 15051, (89.70%) Banking Transaction @ 91.10% as on 30th June, 2026 Compared to 2106, 9.88% 1728, 10.30% 1890, 10.18% 1967, 9.50% 1878, 8.90% 89.70% as on 30th J
Slide 26: Mr. Ajith Kumar K.K, MD & CEO; Mr. P. Suriaraj, 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: Senior Management: Dr. Santoy John, Mr. Balasubramanian R
Dr. Santoy John, General Manager & Chief Compliance Officer ▪ Over 27 Years of experience in Retail Banking, Internal Audit, Information Security, Payment systems, Centralized Operations , Compliance and Teaching. ▪ PhD in Strategic Management. ▪ Post Graduate in Science, CISA & CAIIB and PGCP in Bu
Slide 28: Senior Management: Mr. Gopalakrishnan V N, Mr. Sunny George
Mr. Gopalakrishnan V N, General Manager, Chief Vigilance Officer ▪ Senior banking professional with 40+ years of experience across Indian and international banking institutions. ▪ Post Graduate Diploma in Counselling (Psychology), MBA (Finance), LLB & CAIIB. Mr. Sunny George, DGM, Head – Operations
Slide 29: Senior Management: Mr. Rajesh P, Mr. Abhilash R
Mr. Rajesh P, DGM, Head-Credit Monitoring and Administration ▪ Over 29 years of experience in various areas of Banking, including Retail Credit Sanction, Business Banking Mortgages, Banking Operations and hold the role of Regional Head. Previously worked with Canfin-Homes Ltd, ICICI Home Finance, HD
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 cette 927 Thank You!