Dhanlaxmi Bank Reports Strong PAT Growth Amid Liquidity and Income Source Concerns in June 2025

Dhanlaxmi Bank, a small-cap player in the private sector banking industry, has recently reported its financial results for the quarter ending June 2025. The results indicate a notable shift in the bank's evaluation, with a revision in its score reflecting changes in its financial metrics over the past three months.
The bank's Profit After Tax (PAT) for the quarter stands at Rs 12.18 crore, showcasing a significant year-on-year growth of 252.3%. This positive trend is complemented by a record Net Interest Income of Rs 139.10 crore, which has consistently increased over the last five quarters, indicating a strengthening core business. Additionally, Interest Earned reached Rs 367.76 crore, marking a year-on-year growth of 20.25%, further highlighting the bank's improving sales trend.

On the liquidity front, Dhanlaxmi Bank reported its highest cash and cash equivalents at Rs 992.40 crore over the last six half-yearly periods, suggesting an enhancement in short-term liquidity. The Capital Adequacy Ratio (CAR) also improved to 18.26%, reflecting a better capital base relative to risk assets.

However, challenges remain, particularly with non-operating income constituting 322.66% of Profit Before Tax, raising concerns about the sustainability of the bank's income sources.

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