Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q3 FY2025-26 Earnings Presentation
31 slides from Dhanlaxmi Bank's earnings presentation, December 2025
Slide 1: Investor Presentation Q3 FY 2025-26
Investor Presentation Q3 - 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 Y-o-Y highlights
❖ Total Business grew by 20.75% and reached ₹ 31,929 Crore as on 31st December, 2025. ❖ Total Deposit grew by 18.39 % to reach ₹ 17,839 Crore. ❖ Retail Deposit grew by 13.39% to reach ₹ 14,301 Crore. ❖ Gross Advance grew by 23.87% to reach ₹ 14,090 Crore. ❖ Gold Loan Portfolio registered a growth of
Slide 4: Performance Y-o-Y highlights (continued)
❖ CRAR Basel III (%) improved to 17.19% from 12.79%. ❖ Provision Coverage Ratio as of December 31, 2025, is 86.08%. ❖ CD Ratio improved to 78.98% from 75.49% ❖ Interest Income increased by 21.66% to reach ₹ 407.06 Crore ❖ Total Income increased by 21.10% to reach ₹ 456.31 Crore ❖ NIM improved to 3.4
Slide 5: Total Business
Total Business ₹ in Crore 34000 ₹ 31,929 32000 ₹ 30,146 30000 ₹ 29,051 ₹ 28,219 28000 ₹ 26,443 26000 24000 Performance Y-o-Y 22000 20000 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26
Slide 6: Total Deposit
Total Deposit ₹ in Crore 18 % ₹ 17,839 ₹ 17,105 ₹ 16,570 ₹ 16,013 ₹ 15,068 Performance Y-o-Y Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26
Slide 7: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 9 CASA to Total Deposit % % 30.54% 29.02% 28.21% 28.87% 28.13% ₹ 4,938 ₹ 5,018 ₹ 4,602 ₹ 4,647 ₹ 4,675 ₹ 3,704 ₹ 3,722 ₹ 3,650 ₹ 3,794 ₹ 3,880 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 ₹ 898 ₹ 925 ₹ 1,025 ₹ 1,144 ₹ 1,138 Retail TD to Total Deposit % 53.16% 51.76%
Slide 8: Gross Advance
Gross Advance ₹ in Crore Gross Advance 24 Retail Advance 28 % % ₹ 10,960 ₹ 14,090 ₹ 9,815 ₹ 8,972 ₹ 9,212 ₹ 8,595 ₹ 13,041 ₹ 12,482 ₹ 12,206 ₹ 11,375 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Corporate Advance 13 % ₹ 3,234 ₹ 3,269 ₹ 3,226 ₹ 3,130 ₹ 2,780 Performance Y-o-Y Q3 FY 25 Q4 FY 25 Q1 FY
Slide 9: Segment wise Advance Mix
Segment wise Advance Mix ₹ in Crore Gold Loan 51 Other Retail 3 % % ₹ 3,426 ₹ 3,541 ₹ 3,432 ₹ 3,496 ₹ 3,535 ₹ 5,361 ₹ 4,447 ₹ 3,799 ₹ 4,039 ₹ 3,553 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 SME 28 Corporate Advance 13 % % ₹ 3,234 ₹ 3,269 ₹ 3,226 ₹ 3,13
Slide 10: Personal Loans under Retail Segment
Personal Loans under Retail Segment ₹ in Crore Gold Loan 51 Housing Loan 10 % % ₹ 1,095 ₹ 1,105 ₹ 1,124 ₹ 1,172 ₹ 1,208 ₹ 5,361 ₹ 4,447 ₹ 3,799 ₹ 4,039 ₹ 3,553 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Loan against property 46 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 % ₹ 607 ₹ 462 ₹ 476 ₹ 525
Slide 11: Sector wise Exposure
Sector wise Exposure ₹ in Crore -12 Industry 17 Agriculture and Allied Activities % ₹ 1,799 ₹ 1,785 % ₹ 1,528 ₹ 1,554 ₹ 1,412 ₹ 2,784 ₹ 2,709 ₹ 2,460 ₹ 1,937 ₹ 1,840 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26 Q3 FY 26 Services 18 ₹ 4,958 ₹ 4,653 % ₹ 3,943 ₹ 4,211 ₹ 3,859 Q3 FY 25 Q4 FY 25 Q1 FY 26 Q2 FY 26
Slide 12: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income Other Income ₹ 142 ₹ 154 ₹ 49 ₹ 128 ₹ 134 ₹ 139 ₹ 42 ₹ 43 ₹ 39 ₹ 35 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Fee Based Income Treasury Income ₹ 44 ₹ 68 ₹ 76 ₹ 74 ₹ 75 ₹ 36 ₹ 36 ₹ 33 ₹ 59 ₹ 28 Q3 FY25 Q4 FY
Slide 13: Key Financial Indicators
Key Financial Indicators ₹ in Crore Operating expenses 84.42% Cost to Income Ratio 84.03% ₹ 162 81.35% ₹ 144 ₹ 145 ₹ 148 79.78% ₹ 139 78.18% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 CD Ratio NIM 3.46% 78.98% 3.43% 75.49% 76.22% 75.33% 76.24% 3.40% 3.39% 3.33% Q
Slide 14: Key Financial Indicators
Key Financial Indicators ₹ in Crore Gross NPA% Net NPA% 3.53% 3.22% 2.98% 3.10% 1.13% 1.12% 0.99% 1.11% 2.36% 0.86% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 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 8.42% 7.34% 0.67% 6.49% 6.59% 0.48% 0.49% 0.47% 3.48% 0.27% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Book Value (Rs.) EPS (Rs.) ₹ 0.85 ₹ 42.43 ₹ 0.76 ₹ 35.35 ₹ 35.59 ₹ 35.91 ₹ 36.45 ₹ 0.59 ₹ 0.61 ₹ 0.31 Q3 FY25 Q4 FY25 Q1 FY26 Q
Slide 16: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 14,090 Gross Advance 14090 Education Loan Scheme 1.30 2.34 MSME standard Restructuring 2.49 20.44 Other restructuring 0.19 4.28 Prudential Framework - 51.63 Project Under Impl
Slide 17: External Rating of Corporate Advances
External Rating of Corporate Advances 1% Rating Distribution 23% 21% Rating Q3 FY26 AAA 1% AA 21% A 27% 10% BBB 18% 27% <BBB 10% Rating 18% Distribution Unrated 23% AAA AA A BBB <BBB Unrated Total 100%
Slide 18: Asset Quality
Asset Quality ₹ in Crore SMA Movement ₹ 103 ₹ 82 ₹ 78 ₹ 74 ₹ 73 ₹₹66 69 ₹ 72 ₹ 79 ₹ 71 ₹ 53 ₹ 40 ₹ 43 ₹ 40 ₹ 31 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 SMA 0 SMA 1 SMA 2
Slide 19: Performance
₹ in Crore Number of Branches Per Branch Business ₹ 122 261 261 261 261 261 ₹ 111 ₹ 116 ₹ 108 ₹ 101 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Number of Staff Business Per Employee 1762 1756 1758 1756 1849 ₹ 17 ₹ 17 ₹ 17 ₹ 16 ₹ 15 Performance Q3 FY25 Q4 FY25 Q1 F
Slide 20: CRAR
CRAR ₹ in Crore CRAR Particulars Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 18.26% 17.81% 16.12% 17.19% CRAR (%) 12.79% 16.12% 18.26% 17.81% 17.19% 2.79% 2.77% 0.88% 2.72% TIER I (%) 11.83% 15.25% 15.47% 15.04% 14.47% 12.79% 0.96% Risk Weighted Assets 7434 8155 8022 8152 8453 Credit Risk 6361 6984 6826
Slide 21: Business Result
Business Result ₹ in Crore For the quarter ended For the half year ended Year Ended Particulars 31.12.2024 30.09.2025 31.12.2025 31.12.2024 31.12.2025 31.03.25 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) Interest Income-A 334.59 383.61 407.06 969.26 1158.43 1319.88 Interest Expe
Slide 22: Balance Sheet Overview
Balance Sheet Overview ₹ in Crore 31.12.2024 31.03.2025 30.06.2025 30.09.2025 31.12.2025 Particulars (Reviewed) (Audited) (Reviewed) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 253 394 394 394 394 Reserves and Surplus 821 1001 1010 1023 1044 Deposits 15068 16013 16570 17105 17839 Borrowing
Slide 23: Shareholding Pattern (as on 31st December 2025)
Shareholding Pattern(as on 31st December 2025 No. of Total % To Category Holders Shares Equity 8.52% Resident Individuals 14.78% 177280 172755940 177280 43.77% (Including HUF) 15.32% Non Resident Indians 1666 69522996 1666 17.61% Foreign Portfolio - Corp 30 60467139 30 Bodies Corporates 422 58339711
Slide 24: Over 545 Customer Touch Points including 261 Branches, 284 ATMs
Over 545 Customer Touch Points including 261 Branches, 284 ATMs Branch Presence No. of Branches Population 31.12.2024 31.12.2025 Metropolitan 58 58 Urban 71 71 Semi Urban 112 112 Rural 20 20 Performance Grand Total 261 261
Slide 25: Digital Migration
Digital Migration 90.50% Share of Digital Banking Transaction @ 90.50% as on 31st December 2025 Compared to 83.09% as on 31st December, 2024
Slide 26: Management Profiles: MD & CEO and 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 Than k You!