Digital Migration Investor Presentation
Performance Highlights
Performance Highlights YoY:
Dhanlaxmi Bank
established 1927
Total Business of the Bank grew by 15.71% and reached Rs.21,857 Crore.
☐ Deposits registered a growth of 6.96% to reach Rs.12,748 Crore.
☐ CASA registered a growth of 8.21% to reach Rs.4324 Crore.
☐ Retail Deposits registered a growth of 6% to reach Rs.6382 Crore.
Gross Advance grew by 30.67% and reached Rs.9109 Crore.
☐ Retail advance grew by 21% and Gold loan by 19% to reach Rs.4144 Crore and Rs.2051 Crore respectively.
☐ Interest income increased from Rs.447.10 Crore to Rs.520.87 Crore, registering growth of 16.50%.
☐ Net interest income increased from Rs.170.16 Crore to Rs.233.74 Crore by registering growth of 37.37%.
☐ CD ratio improved from 58% to 71%
☐ NIM improved from 2.85% to 3.58%.
☐ Asset quality improved significantly with Gross NPA coming down by 263 bps and Net NPA by 260 bps on YoY basis to 6.04% and
2.32% respectively.
☐ PCR improved from 74.18% to 83.25%.
☐ Cost of deposit reduced from 4.60% to 4.39%
Recorded a net profit of Rs.15.89 Crore in Q2 of FY 23 as against net profit of Rs.3.66 Crore of Q2 FY 22.
☐ Operating Profit increased to Rs.35.35 Crore from Rs.26.06 Crore.
Investor Presentation - September 2022
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