Annual Report

SH: 48 /2026-27 August 31, 2026 The General Manager The Manager, Department of Corporate Services Listing Department, BSE Limited National Stock Exchange of India Limited I Floor, New Trading Ring 'Exchange Plaza', Bandra - Kurla Complex Rotunda Building, P J Towers Bandra (E), Mumbai - 400 051 Dalal Street Fort, Mumbai - 400 001 Dear Sir, Sub: Annual Report for the Financial Year 2025-26 Further to our letter nos SH:43 /2026-27 dated August 19, 2026 and SH:47 /2026-27 dated August 31, 2026 and pursuant to Regulation 34(1) SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Annual Report of the Bank for the financial year 2025-26. The Annual Report will also be hosted on the website of the Bank www.dhan.bank.in in the link "Investor Relations> 99th Annual General Meeting". Please take the same on record. Thanking you, Yours faithfully. Venkatesh.H Company Secretary & Secretary to the Board Corporate Office : Dhanlaxrni Bank Limited, Corporate Office, Punkunnam, Thrissur, Kerala-680 002. Ph: 0487 7107100, 2226100 Registered Office : Dhonlaxrni Bank Limited, Dhanalakshmi Building, Naickanal, Thrissur, Kerala-680 001. Ph: 0487 2999711 Fax: 0487 2335367, Corporate Identity No.L65191 KL1 927PLC000307 Customer care e-mail Id: customercare@dhanbank.co.in Customer Care No. 044-42413000 (cid:9) www.dhanbarik.com Shaping Tomorrow Together 2025-2026 Over 549 customers touch points including 264 Branches, 285 ATMs and 2 corporate BCs Branch Presence 58 72 Metro Branches Urban Branches 114 20 Semi - Urban Branches Rural Branches 148 ATM/CDM Presence 248 37 Onsite Offsite Vision Banking on Relationships Forever Mission To Become a strong and Innovative Bank with Integrity and Social Responsibility to Maximise Customer Satisfaction as well as that of the Employees, Shareholders and the Society. Board of Directors K N Madhusoodanan Ajith Kumar K K P Suriaraj Chairman Managing Director & CEO Executive Director G Rajagopalan Nair Dr. Nirmala Padmanabhan Vardhini Kalyanaraman Independent Director Independent Director Independent Director Dr. Jineesh Nath C K Ashutosh Khajuria Rajan T K T V Rao Director Independent Director Additional Director Additional Director (Non-Executive Independent ) (Non-Executive Independent ) (w.e.f. 01.09.2026) C Nageswara Rao Sujatha J RBI Additional Director RBI Additional Director Registrar & Transfer Agents Corporate M/s.Kfin Technologies Limited (Previously Known as M/s.Karvy Information Fintech Private Limited) "Selenium Tower B", Plot No.31 & 32, Financial District, Nanakramguda, Serilingampally, Hyderabad - 500 032 Chief Financial Officer Registered Office Krishnakumar K Dhanlaxmi Bank Limited, P.B No.9, Dhanalakshmi Buildings, Company Secretary & Naickanal, Thrissur - 680001 Secretary To the Board Corporate Office Venkatesh H Dhanlaxmi Bank Limited Punkunnam, Thrissur - 680002 General Managers Kindly refer the website for other offices John Varughese Santoy John Secretarial Auditors Balasubramanian R Santhosh Kumar R Satheesan V Krishnakumar K Sri M. Vasudevan F.C.S. Gopalakrishnan V N Practicing Company Secretary, Soorya Gardens Apartments, Deputy General Managers Paliyam Road, Thrissur - 680001 Statutory Auditors Sreekumar M P Binoy B S Sunny George Rajan Sleeba Sagar and Associates, Rajesh P Kavitha T A Chartered Accountants, Abhilash R Biju Kumar P H Hyderabad Sijo Joseph Arun Somanathan Nair Ranjith P Sunil Kumar A Abraham & Jose Abhiram Unni M Raghunath R Chartered Accountants, Mission Quarters Road, Thrissur Assistant General Managers Legal Advisors M/s. Menon & Pai, Ernakulam Anup Nair Sunil K M/s. B S Krishnan Associates, Ernakulam Krishna Kumar A Manoj S J M/s. C K Karunakaran & Associates, Aneesh S Jimmy P Ernakulam Vikram Baranwal Sreekanth V V Pradeep A Venkatesh H Stock Exchanges Suresh Kumar P V Binoy V G Jerry Thanangadan Nimish P N National Stock Exchange of India Ani K Nair Saji P Limited (NSE) Sundaresan K Ravi Teja M Sreekumar K Rejaneesh V Pillai BSE Limited (Formely Known as Bombay Stock Exchange Limited) PERFORMANCE DASHBOARD (Value in Cr) Total Business 35000 ₹33,772 30000 ₹28,219 ₹24,687 25000 ₹23,206 ₹20,847 20000 15000 10000 5000 FY FY FY FY FY 2022 2023 2024 2025 2026 Total Deposits Gross Advance 20000 ₹18,643 18000 ₹16,013 16000 16000 ₹15,129 ₹14,290 14000 14000 ₹13,352 ₹12,403 ₹12,206 12000 12000 ₹10,397 10000 10000 ₹9,854 ₹8,444 8000 8000 6000 6000 4000 4000 2000 2000 FY FY FY FY FY FY FY FY FY FY 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 PERFORMANCE DASHBOARD (Value in Cr) Deposit Composition Advance Composition CASA Retail Advance (Excl. Gold and Corporate) ₹5,567 6000 ₹4,647₹5,380 6000 ₹4,040₹4,670₹4,917₹5173 5000 ₹4,260₹4,381 4000 ₹4,252 4000 2000 3000 0 FY FY FY FY FY 2000 2022 2023 2024 2025 2026 1000 Gold Loan 0 8000 ₹6,512 FY FY FY FY FY 6000 2022 2023 2024 2025 2026 ₹3,799 4000 ₹2,840 ₹2,274 ₹1,843 2000 FY FY FY FY FY Term Deposit 2022 2023 2024 2025 2026 Corporate Advance 15000 ₹13,263 ₹11,366 10000 ₹8,151₹9,092₹9,909 4000 ₹2,561₹2,910 ₹2,640₹3,234₹3,050 5000 2000 FY FY FY FY FY FY FY FY FY FY 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Net Profit Operating Profit 300 150 ₹102.75 ₹216 200 ₹134 ₹123 100 ₹66.64 ₹57.82 100 ₹69 ₹95 50 ₹35.90₹49.26 FY FY FY FY FY FY FY FY FY FY 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Gross NPA Net NPA ₹534 ₹511 600 (6.32%)(5.19%)₹421 300 ₹232 (4.05%) (2.85%) ₹364 ₹118 ₹118 400 (2.98%) ₹286 200 ₹109 ₹109 (0.99%)(0.51%) (1.89%) (1.16%)(1.05%) 200 100 FY FY FY FY FY FY FY FY FY FY 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Net Interest Income Total Income 800 ₹622 2000 ₹1,794 ₹476 ₹458 ₹483 1500 ₹1,086₹1,146₹1,360₹1,489 400 ₹362 1000 200 500 FY FY FY FY FY FY FY FY FY FY 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Chairman's Message Dear Shareholders, It gives me immense pleasure to present the Annual Report of Dhanlaxmi Bank for the financial year 2025–26. The year reflects the Bank's unwavering commitment to sustainable growth, responsible banking, and the trust reposed in us by our customers, shareholders, employees, and other stakeholders. With utmost joy, this Bank, which was established years back as a small bank in the small town of Thrissur by a group of enterprising people, is entering into its 100th year of operations a few days from now. At this juncture, I humbly bow my head before the memories of its visionary founders as well as the early patrons whose untiring efforts, which are inspiring for younger generations, had helped the Bank to move forward. During the year, the Bank registered encouraging growth in deposits, advances, income, and operating profitability. We remained focused on understanding the evolving needs of our customers and delivering banking services that are faster, safer, and more convenient. Significant investments were made to strengthen our digital capabilities and enhance the overall customer experience, enabling us to offer innovative and seamless banking solutions. Customer centricity continues to be at the heart of everything we do. Service excellence, transparency, integrity, and long-term relationships remain the cornerstones of our business philosophy. We are committed to delivering superior value to our customers while maintaining the highest standards of governance and operational excellence. As we move forward, our focus will remain on sustainable growth, financial resilience, and long-term value creation. We will continue to strengthen our products, services, and digital infrastructure while embracing innovation to meet the changing expectations of our customers. We are confident that the Bank is well-positioned to capitalize on future opportunities and navigate the evolving financial landscape with strength and agility. I extend my sincere gratitude to our valued customers, shareholders, employees, business partners, and regulators for their continued trust, confidence, and unwavering support. Their encouragement has b [Showing first 8,000 characters — download PDF for full document]