DCB Bank announces First Quarter FY 2026 Results
by Shrutee Kate
July 31, 2025, Mumbai: The Board of Directors of DCB Bank
Ltd. (BSE: 532772; NSE: DCB) at its meeting in Mumbai on July 31, 2025,
approved the unaudited financial results for the quarter ended June 30, 2025
(Q1 FY 2026) along with limited review report by statutory auditors ‘Varma
& Varma, Chartered Accountants’ and ‘B S R & Co. LLP, Chartered
Accountants’.
Highlights:
1)
The Bank’s Profit After Tax (PAT)
for Q1 FY 2026 was at INR 157 Cr. In comparison Profit After Tax for Q1 FY 2025
was at INR 131 Cr., growth of 20%.
2)
Advances growth year-on-year was at
21% (Year-on-year Mortgages growth 17%, Colending growth 162%, Construction
Finance growth 34% and Agri & Inclusive Banking growth 12%) and Deposits
growth year-on-year was at 20%.
3)
The Gross NPA as on June 30, 2025,
was at 2.98%. Net NPA was at 1.22% as on June 30, 2025.
The Provision Coverage Ratio (PCR) as on June 30, 2025 was
at 74.04% and PCR without considering Gold Loans NPAs was at 75.00%.
4)
Capital Adequacy continues to be
strong and as on June 30, 2025, the Capital Adequacy Ratio was at 16.66% (with
Tier I at 14.20% and Tier II at 2.46% as per Basel III norms).
Speaking on the Q1 FY 2026 results
Mr. Praveen Kutty, Managing Director & CEO said,
“We are happy
with the consistency demonstrated on both the top line and the bottom line,
quarter after quarter. Managing the NIM in a challenging environment by
optimizing the cost of funds has been a highlight of the quarter Q1. We are
focused on reducing the slippage ratio and continue to ensure that cost to
average assets ratio improves even further going forward”.
Key Balance Sheet Parameters
|
INR Cr. |
Jun 30, 2025 |
Mar 31, 2025 |
Dec
31, 2024 |
Sep
30, 2024 |
Jun 30, 2024 |
|
Total
Assets |
77,395
|
76,810
|
71,567
|
68,955
|
64,516
|
|
Deposits |
62,039
|
60,031
|
56,678
|
54,532
|
51,690
|
|
Net
Advances |
51,215
|
51,047
|
47,780
|
44,465
|
42,181
|
|
Investments |
19,948
|
20,150
|
17,963
|
18,205
|
16,652
|
|
Shareholders’
Equity |
5,840 |
5,691
|
5,489
|
5,351
|
5,185
|
|
Gross
NPA Ratio |
2.98%
|
2.99%
|
3.11%
|
3.29%
|
3.33%
|
|
Net
NPA Ratio |
1.22%
|
1.12%
|
1.18%
|
1.17%
|
1.18%
|
|
Coverage
Ratio |
74.04%
|
74.48%
|
74.76%
|
75.62%
|
76.00%
|
|
CASA
Ratio |
23.32%
|
24.52%
|
25.09%
|
25.61%
|
25.41%
|
|
Credit
Deposit Ratio |
82.55%
|
85.03%
|
84.30%
|
81.54%
|
81.60%
|
DCB Bank Unaudited Results for the Quarter ended June 30, 2025
|
INR Cr. |
Q1
FY 2025-26 |
Q4
FY 2024-25 |
Q3
FY 2024-25 |
Q2
FY 2024-25 |
Q1
FY 2024-25 |
FY
2024-25 |
|
Interest Income |
1,814
|
1,742
|
1,671
|
1,568
|
1,489
|
6,471
|
|
Interest Expense |
(1,233)
|
(1,184)
|
(1,128)
|
(1,059)
|
(992)
|
(4,364)
|
|
Net Interest Income
|
581 |
558 |
543 |
509 |
497 |
2,107
|
|
Non-Interest Income
|
236 |
219 |
184 |
205 |
143 |
750 |
|
Total Income |
817 |
777 |
727 |
714 |
640 |
2,857
|
|
Operating Expenses |
(490)
|
(472)
|
(456)
|
(459)
|
(435)
|
(1,820)
|
|
Operating Profit |
327 |
305 |
271 |
255 |
205 |
1,037
|
|
Provisions other than Tax |
(115)
|
(67) |
(67) |
(46) |
(28) |
(208) |
|
Net Profit Before Tax |
212 |
238 |
204 |
209 |
177 |
829 |
|
Tax |
(55) |
(61) |
(53) |
(54) |
(46) |
(214) |
|
Net Profit After Tax
|
157 |
177 |
151 |
155 |
131 |
615 |
About DCB Bank : DCB Bank Limited is a new generation private sector bank with 465 branches across 20 states and 2 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure, including state-of-the-art India’s first Aadhaar number & fingerprint based biometric ATMs, and internet banking for personal as well as business banking customers.
The Bank’s business segments are Retail, micro-SMEs, SMEs,
mid-Corporate, Microfinance Institutions (MFI), Agriculture, Commodities,
Government, Public Sector, Indian Banks, Cooperative Banks and Non Banking
Finance Companies (NBFC).
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