How has been the historical performance of Dhanlaxmi Bank?

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 increased from INR 916.64 crore in March 2022 to INR 1,319.88 crore in March 2025, reflecting a consistent upward trend. The net interest income also rose from INR 362.32 crore in March 2022 to INR 483.29 crore in March 2025. However, total expenditure, excluding depreciation, increased significantly from INR 397.14 crore in March 2022 to INR 557.39 crore in March 2025. Despite this rise in expenditure, profit before tax showed improvement, climbing from INR 37.09 crore in March 2022 to INR 71.62 crore in March 2025, while profit after tax also grew from INR 35.90 crore to INR 66.64 crore in the same period. The bank's total assets increased from INR 13,800.14 crore in March 2022 to INR 17,940.81 crore in March 2025, indicating growth in its financial base. Deposits also saw a rise, reaching INR 16,013.45 crore by March 2025, up from INR 12,402.89 crore in March 2022. Cash and cash equivalents improved from INR 735 crore in March 2022 to INR 1,079 crore in March 2025, suggesting a stronger liquidity position. Overall, while Dhanlaxmi Bank has shown growth in several areas, the increase in expenditures and fluctuations in profit metrics indicate challenges that the bank has faced during this period.