DHANBANK2023-04-012023-06-30in-bse-fin:OneOperatingExpenses01Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentRevenue01Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentRevenue02Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentRevenue03Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentResults01Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentResults02Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentResults03Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets01Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets02Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets03Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets04Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets05Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentAssets06Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities01Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities01Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities02Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities02Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities03Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities03Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities04Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities04Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities05Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities05Member DHANBANK2023-04-012023-06-30in-bse-fin:OneReportableSegmentLiabilities06Member DHANBANK2023-06-30in-bse-fin:OneReportableSegmentLiabilities06Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares DHANBANK Dhanlaxmi Bank Limited 2023-04-01 2024-03-31 INR First quarter Not applicable 2023-06-30 Unaudited Standalone 2323500000.00 543600000.00 6300000.00 18000000.00 2891400000.00 522600000.00 3414000000.00 1705100000.00 646100000.00 483400000.00 1129500000.00 2834600000.00 579400000.00 276400000.00 0.00 303000000.00 20000000.00 283000000.00 0.00 283000000.00 283000000.00 2530100000.00 10.00 0.00 0.1079 0.0178 1.12 1.12 1.12 1.12 5233800000.00 1051800000.00 0.0521 0.0109 0.0076 Notes The above unaudited financial results for the quarter ended 30th June 2023 were reviewed by the Audit Committee and thereafter approved by the Board of Directors at its meeting held on July 31, 2023. These Results have been subjected to limited review by the Statutory Central Auditors of the Bank, M/s Krishnamoorthy & Krishnamoorthy, Chartered Accountants and an unqualified review report has been issued. The Deferred Tax Asset (‘DTA’) has been determined at Rs. 6712 lakhs as on 30th June 2023 as against DTA of Rs. 6912 lakhs as on 31st March 2023. The loans transferred/ acquired during the quarter ended June 30, 2023 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 is Nil. Reserve Bank of India vide letter dated October 4, 2021 has permitted all member banks of Indian Banks' Association covered under the 11th Bipartite Settlement to amortize the additional liability on account of revision in family pension over a period not exceeding five years, beginning with the Financial Year ended March 31, 2022 The bank has recognized the entire additional liability estimated at Rs. 1429 Lakhs and opted to amortize the same over a period of five years beginning with the financial year ended March 31, 2022. Accordingly, an amount of Rs. 71 Lakhs has been written off during the quarter ended June 30, 2023 in respect of the said estimated additional liability and the balance amounting to Rs.786 Lakhs has been carried forward as unamortized expenditure. As permitted by Reserve Bank of India (RBI) vide Circular DBR. No.BP.BC.92/21.04.048/2015-16 dated April 18, 2016, the Bank had exercised the option to make provisions towards Non- Performing Advances identified as fraud account during the quarter ended September 30, 2022 over a period of four quarters. Accordingly, in the quarter ended June 30, 2023, the Bank has reversed Rs. 1078.97 lakhs which was charged against revenue reserves under reserves and surplus as on 31.03.2023 and has debited a sum of Rs. 787.86 lakhs (net of recoveries of Rs. 291.11 lakhs) being the remaining provision required towards the account identified as fraud, to the Profit & Loss Account. There is no unamortized provision as at June 30, 2023. Provision coverage ratio (Including Technical Write off) as on 30th June 2023 is 90.79 %. Other Operating Expenses 483400000.00 Corporate/ wholesale Banking 1090000000.00 Retail Banking 1686200000.00 Treasury 637800000.00 3414000000.00 3414000000.00 Corporate/ wholesale Banking 117100000.00 Retail Banking 301200000.00 Treasury 161100000.00 579400000.00 0.00 276400000.00 303000000.00 Corporate/ wholesale Banking 44790800000.00 Corporate/ wholesale Banking 44790800000.00 Retail Banking 63765900000.00 Retail Banking 63765900000.00 Treasury 39383300000.00 Treasury 39383300000.00 147940000000.00 1183700000.00 149123700000.00 Corporate/ wholesale Banking 42489800000.00 Corporate/ wholesale Banking 42489800000.00 Retail Banking 60490000000.00 Retail Banking 60490000000.00 Treasury 36141500000.00 Treasury 36141500000.00 139121300000.00 0.00 139121300000.00 For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations in Compliance with the revised RBI Guidelines. For the purpose of the disclosure under Accounting Standard 17 - Segment Reporting, issued by the Institute of Chartered Accountants of India (ICAI), ‘Digital Banking’ has been identified as a sub segment under the existing ‘Retail Banking’ segment. Bank has not set up separate ‘Digital Banking Unit’ (DBU) as on 30th June 2023 as per RBI circular No. RBI/2022-23/19 DOR AUT.REC.12/22.01.001/2022-23 dated April 7 2022 and existing digital banking products are forming part of ‘Retail Banking’ segment only. The business operations of the Bank are substantially concentrated in India and for the purpose of segment Reporting as per Accounting Standard -17, the bank is considered to operate only in domestic segment. 1. The above unaudited financial results for the quarter ended 30th June 2023 were reviewed by the Audit Committee and thereafter approved by the Board of Directors at its meeting held on July 31, 2023. These Results have been subjected to limited review by the Statutory Central Auditors of the Bank, M/s Krishnamoorthy & Krishnamoorthy, Chartered Accountants and an unqualified review report has been issued.