How has been the historical performance of Dhanlaxmi Bank?

Sep 03 2025 10:36 PM IST
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Dhanlaxmi Bank has shown positive growth in interest earned, net interest income, and profit before and after tax from Mar'22 to Mar'25, alongside improved capital adequacy and reduced gross NPAs. However, it has faced challenges with rising expenditures impacting profitability.
Answer:
The historical performance of Dhanlaxmi Bank shows a mixed trend over the years, with notable fluctuations in key financial metrics.

Breakdown:
Dhanlaxmi Bank's interest earned has increased from 916.64 Cr in Mar'22 to 1,319.88 Cr in Mar'25, indicating a positive growth trajectory. The net interest income also rose from 362.32 Cr in Mar'22 to 483.29 Cr in Mar'25. However, total expenditure has also increased, from 397.14 Cr in Mar'22 to 557.39 Cr in Mar'25, which includes a rise in employee costs. The profit before tax showed improvement, climbing from 37.09 Cr in Mar'22 to 71.62 Cr in Mar'25, while profit after tax increased from 35.90 Cr to 66.64 Cr in the same period. The bank's total assets grew from 13,800.14 Cr in Mar'22 to 15,963.40 Cr in Mar'24, alongside a rise in deposits from 12,402.89 Cr to 14,290.31 Cr. The capital adequacy ratio improved to 16.12% in Mar'25 from 12.98% in Mar'22, reflecting a stronger capital position. However, the percentage of gross NPAs decreased from 6.32% in Mar'22 to 2.98% in Mar'25, indicating better asset quality. Overall, while Dhanlaxmi Bank has shown growth in several areas, it has faced challenges with rising expenditures and fluctuating profitability.
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