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 has increased from 916.64 crore in March 2022 to 1,319.88 crore in March 2025, reflecting a consistent upward trajectory. The bank's total income also rose significantly, from 1,085.76 crore in March 2022 to 1,489.08 crore in March 2025. However, net interest income showed variability, peaking at 483.29 crore in March 2025 after a dip in March 2023. Total expenditure, excluding depreciation, increased from 397.14 crore in March 2022 to 557.39 crore in March 2025, driven by rising employee costs and other operating expenses. Profit before tax improved slightly from 70.48 crore in March 2024 to 71.62 crore in March 2025, while profit after tax also increased from 57.82 crore to 66.64 crore in the same period. The bank's total assets grew from 13,800.14 crore in March 2022 to 17,940.81 crore in March 2025, indicating robust growth in the balance sheet. Cash and cash equivalents rose from 735 crore in March 2023 to 1,079 crore in March 2025, demonstrating improved liquidity. Overall, while Dhanlaxmi Bank has shown growth in income and assets, it has faced challenges in maintaining consistent profitability and managing expenditures effectively.