Dear Respected Shareholders,
It gives me great pleasure to address you in this annual report of our
esteemed bank, a cornerstone of trust and stability in the Indian banking sector. As we
reflec on the past year, we take pride in our achievements amidst a backdrop of dynamic
challenges and promising opportunities.
Throughout the year, we have diligently expanded our footprint into
previously untouched regions, reinforcing our commitment to serve a broader spectrum of
customers across the country. This strategic expansion not only enhances our geographical
reach butalso underscores our dedication to inclusive growth and financial empowerment.
May I highlight our robust performance in key segments. Leveraging
decades-old strong relationships, we achieved considerable growth in our gold loan
portfolio and secured retail loan book. This growth is a testament to the unwavering trust
our customers piece in us, and our ability to meettheir evolving financial needs with
tailored solutions.
In tandem with our traditional strengths, we remain at the forefront of
technological innovation. Embracing the latest advancements, we conrinue to enhance our
service delivery and operational efficiencies. Looking ahead, we are enthusiastic about
our plans to further integrate fintech solutions, explore new verticals, and bolster our
capabilities through strategic capital infusion.
These initiatives are poised to not only drive growth but also ensure
that we remain agile and competitive in a ropidly evolving financial landscape. In light
of the changing scenario and to cope up with the current technology advancements so as to
be at parwitn the industry, the Bonk has made considerable investments in IT.
As we navigate the opportunities and challenges that lie ahead, our
commitment to excellence, integrity, and customer-centricity remains steadfast. I extend
my sincere gratitude to our shareholders,Regulators, customers, employees,and all other
stakeholders for their unwavering support. Together, we all will continue to build on our
legacy of trust and innovation, delivering sustainable value and prosperity for all.
Thonkyou foryour continued confidence in Dhanlaxmi Bank.
With warm regards, Chairman