Dhanlaxmi Bank Ltd · NSE:DHANBANK
Dhanlaxmi Bank — Q2 FY2026-27 Earnings Presentation
32 slides from Dhanlaxmi Bank's earnings presentation, September 2026
Slide 1: Investor Presentation Q2 FY 2026-27
Pron a Investor Presentation Q2 - 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 PART-TIME CHAIRMAN MD & CEO EXECUTIVE DIRECTOR Shri. G. Rajagopalan Nair Dr. Nirmala Padmanabhan Ms. Vardhini Kalyanaraman INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR
Slide 3: Board of Directors
Board of Directors Shri. C. Nageswara Rao Dr. Jineesh Nath C.K Shri. Ashutosh Khajuria RBI ADDITIONAL DIRECTOR DIRECTOR INDEPENDENT DIRECTOR Ms. Sujatha Jaganathan Shri. Rajan T. K Shri. T.V. Rao RBI ADDITIONAL DIRECTOR INDEPENDENT DIRECTOR INDEPENDENT DIRECTOR
Slide 4: Performance Highlights
Performance Highlights ❖ Total Business grew by 21.07% and reached ₹ 36,499 Crore ❖ Total Deposit grew by 20.15% to reach ₹ 20,551 Crore. ❖ Retail Deposit grew by 19.33% to reach ₹ 16,449 Crore. ❖ Gross Advance grew by 22.29% to reach ₹ 15,948 Crore. Q2 FY 2026-27 Y-o-Y ❖ Gold Loan Portfolio registe
Slide 5: Performance Highlights
Performance Highlights ❖ Provision Coverage Ratio improved to 92.86% from 86.94% ❖ CRAR Basel III (%) improved to 18.86% from 17.81%. ❖ CD Ratio improved to 77.60% from 76.24% ❖ Yield on Investments improved to 6.38% from 6.25% Q2 FY 2026-27 Y-o-Y ❖ NIM improved to 3.61% from 3.25% ❖ Cost of Funds r
Slide 6: Total Business
Total Business ₹ in Crore 21.08% 38000 ₹ 36,499 ₹ 35,190 36000 ₹ 33,772 34000 ₹ 31,929 32000 ₹ 30,146 Performance 30000 Y-o-Y 28000 26000 24000 22000 20000 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27
Slide 7: Total Deposit
Total Deposit ₹ in Crore 20.15% ₹ 20,551 21000 ₹ 19,404 ₹ 18,643 19000 ₹ 17,839 ₹ 17,105 17000 Performance Y-o-Y 15000 13000 11000 9000 7000 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27
Slide 8: Deposit Mix
Deposit Mix ₹ in Crore CA SA CASA 17% CASA to Total Deposit % 28.87% 28.13% 28.86% 28.81% 28.07% ₹ 5,591 ₹ 5,769 ₹ 5,380 ₹ 4,938 ₹ 5,018 ₹ 4,204 ₹ 4,312 ₹ 4,395 ₹ 3,794 ₹ 3,880 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 ₹ 1,144 ₹ 1,138 ₹ 1,176 ₹ 1,279 ₹ 1,374 Retail TD to Total Deposit % Performan
Slide 9: Gross Advance
Gross Advance ₹ in Crore 22.29% 17000 ₹ 15,786 ₹ 15,948 ₹ 15,129 ₹ 14,090 15000 ₹ 13,041 13000 Performance Y-o-Y 11000 9000 7000 5000 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27
Slide 10: Segment wise Advance Mix
Segment wise Advance Mix ₹ in Crore Gold Loan 53% Other Retail Advance -2% ₹ 7,105 ₹ 3,496 ₹ 3,535 ₹ 3,432 ₹ 3,379 ₹ 3,422 ₹ 6,512 ₹ 6,823 ₹ 5,361 ₹ 4,447 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 Performance Y-o-Y MSME 36% Corporate Advance -2% ₹ 3,22
Slide 11: Loans under Retail Segment
Loans under Retail Segment ₹ in Crore Gold Loan 53% Housing Loan 6% ₹ 1,172 ₹ 1,208 ₹ 1,227 ₹ 1,228 ₹ 1,243 ₹ 7,105 ₹ 6,823 ₹ 6,512 ₹ 5,361 ₹ 4,447 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 Loan against property 31% Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 Performance ₹ 630 ₹ 649 ₹ 685 ₹ 607
Slide 12: Sector wise Exposure
Sector wise Exposure ₹ in Crore Industry 18% Agriculture and Allied Activities 35% ₹ 2,125 ₹ 1,799 ₹ 1,785 ₹ 1,630 ₹ 1,844 ₹ 3,531 ₹ 3,343 ₹ 2,460 ₹ 2,487 ₹ 1,840 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 27 Services -4% Performance ₹ 4,958 ₹ 4,653 ₹ 4,756 Q2 FY 26 Q3 FY 26 Q4 FY 26 Q1 FY 27 Q2 FY 2
Slide 13: Key Financial Indicators
Key Financial Indicators ₹ in Crore Net Interest Income Non Interest Income ₹ 187 ₹ 178 ₹ 188 ₹ 142 ₹ 154 ₹ 69 ₹ 49 ₹ 47 ₹ 35 ₹ 35 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Fee Based Income Treasury Income ₹ 50 For the ₹ 44 ₹ 81 ₹ 33 ₹ 36 ₹ 76 Quarter ₹ 29 ₹ 74
Slide 14: Key Financial Indicators
Key Financial Indicators ₹ in Crore Operating expenses Cost to Income Ratio ₹ 165.38 84.03% 79.78% ₹ 162.33 ₹ 161.06 75.79% 70.31% ₹ 148.32 55.66% ₹ 142.67 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CD Ratio NIM 76.24% 78.98% 81.15% 81.35% 77.60% 3.98% For the 3.
Slide 15: Key Financial Indicators
Key Financial Indicators ₹ in Crore Gross NPA% Net NPA% 3.10% 1.12% 1.11% 2.36% 1.89% 1.82% 1.76% 0.51% 0.47% 0.45% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 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% 12.48% 0.84% 0.86% 0.48% 0.47% 0.45% 6.49% 6.59% 6.60% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Book Value (Rs.) EPS (Rs.) ₹ 39.10 ₹ 1.23 For the ₹ 38.34 ₹ 1.10 ₹ 37.34 Quarter ₹ 35.91 ₹ 36.45 ₹ 0.59 ₹ 0.61 ₹ 0.63 Q2 FY26
Slide 17: Restructured Advances
Restructured Advances ₹ in Crore Restructured Advance Total Restructured Particulars Restructured Advance Advance Standard ₹ 15,948 Gross Advance 15,948 Education Loan Scheme 2.35 1.25 MSME standard 20.03 2.23 Restructuring Other restructuring 3.79 0.17 Prudential Framework 3.88 0.00 Project Under 1
Slide 18: External Rating of Corporate Advances
External Rating of Corporate Advances 0 Rating Distribution 21% Rating Q2 - FY27 30% AAA - AA 21% Rating A 26% Distribution BBB 18% 5% 26% <BBB 5% 18% Unrated 30% AAA AA A BBB <BBB Unrated Total 100%
Slide 19: Asset Quality
Asset Quality ₹ in Crore SMA Movement 155.67 105.19 78 71 70 72 53 31 40 33 33 40 29.11 21 31 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 SMA 0 SMA 1 SMA 2
Slide 20: Number of Branches and Per Branch Business
₹ in Crore Number of Branches Per Branch Business ₹ 133 ₹ 136 264 264 269 ₹ 122 ₹ 128 261 261 ₹ 116 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Number of Staff Business Per Employee ₹ 18 ₹ 19 ₹ 19 1948 ₹ 17 ₹ 17 1756 1849 1856 1851 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27
Slide 21: CRAR
CRAR ₹ in Crore CRAR Particulars Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 18.92% 19.19% 18.86% CRAR (%) 17.81% 17.19% 18.92% 19.19% 18.86% 17.81% 17.19% 2.45% 2.40% 2.81% 2.77% TIER I (%) 15.04% 14.47% 16.11% 16.74% 16.46% 2.72% Risk Weighted Assets 8152 8453 8316 8423 8763 Credit Risk 6890 7190 6932
Slide 22: Business Result
Business Result ₹ in Crore For the quarter ended For the half year ended For the year ended Particulars 30.09.25 30.06.26 30.09.26 30.09.25 30.09.26 31.03.2026 (Reviewed) (Reviewed) (Audited) Interest Income-A 383.61 449.36 471.15 751.37 920.51 1601.48 Interest Expenses- B 241.65 271.74 283.40 470.3
Slide 23: Balance Sheet Overview
Balance Sheet Overview ₹ in Crore 30.09.2025 31.12.2025 31.03.2026 30.06.2026 30.09.2026 Particulars (Reviewed) (Reviewed) (Audited) (Reviewed) (Reviewed) CAPITAL AND LIABILITIES Capital 395 395 395 395 395 Reserves and Surplus 1022 1044 1079 1119 1149 Deposits 17105 17839 18643 19404 20551 Borrowin
Slide 24: Shareholding Pattern (as on 30th September 2026)
Shareholding Pattern(as on 30th September 2026) No. of Total % To Category Holders Shares Equity 8.60% Resident Individuals 38.93% 160616 153652442 38.93% 20.89% (Including HUF) Non Resident Indians 1648 68998709 17.48% 14.10% 17.48% Foreign Portfolio - Corp 36 55644913 14.10% Bodies Corporates 394
Slide 25: Over 558 Customer Touch Points: Branch Presence
Over 558 Customer Touch Points including 269 Branches, 289 ATMs Branch Presence No. of Population Branches 30.09.2026 Metropolitan 59 Urban 72 Semi Urban 118 Rural 20 Grand Total 269
Slide 26: Digital Migration
Digital Migration in ‘000 Digital Transaction Trends 91.43% 20992, (91.43%) 19231, (91.10%) 18741, (90.50%)19218, (90.12%) 16683, (89.82%) Share of Digital Banking Transaction @ 91.43% as on th 30 September, 2026 Compared to 89.82% as on 1890, 10.18% 1967, 9.50% 2106, 9.88% 1878, 8.90% 1967, 8.57% 3
Slide 27: 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 28: Senior Management Profiles
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 29: Senior Management Profiles
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 30: Senior Management Profiles
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 31: Partners / Tie Ups
Partners / Tie Ups AGRI & MICRO CREDIT TRADING PARTNERS FINTECH PARTNERS GOVERNMENT BUSINESS LIFE INSURANCE GENERAL INSURANCE
Slide 32: Thank You!
DhanlaxmiBank cette 927 Thank You!