Mumbai/ Bengaluru: 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:

  • 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%.
  • Advances growth year-on-year was at 21% (Year-on-year Mortgages growth 17%, Co- lending growth 162%, Construction Finance growth 34% and Agri & Inclusive Banking growth 12%) and Deposits growth year-on-year was at 20%.
  • 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%.
  • 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, 2025Mar 31, 2025Dec 31, 2024Sep 30, 2024Jun 30, 2024
Total Assets77,39576,81071,56768,95564,516
Deposits62,03960,03156,67854,53251,690
Net Advances51,21551,04747,78044,46542,181
Investments19,94820,15017,96318,20516,652
Shareholders’ Equity5,8405,6915,4895,3515,185
Gross NPA Ratio2.98%2.99%3.11%3.29%3.33%
Net NPA Ratio1.22%1.12%1.18%1.17%1.18%
Coverage Ratio74.04%74.48%74.76%75.62%76.00%
CASA Ratio23.32%24.52%25.09%25.61%25.41%
Credit Deposit Ratio82.55%85.03%84.30%81.54%81.60%

DCB Bank Unaudited Results for the Quarter ended June 30, 2025

INR Cr.Q1 FY 2025-26Q4 FY 2024-25Q3 FY 2024-25Q2 FY 2024-25Q1 FY 2024-25FY 2024-25
Interest Income1,8141,7421,6711,5681,4896,471
Interest Expense(1,233)(1,184)(1,128)(1,059)(992)(4,364)
Net Interest Income5815585435094972,107
Non-Interest Income236219184205143750
Total Income8177777277146402,857
Operating Expenses(490)(472)(456)(459)(435)(1,820)
Operating Profit3273052712552051,037
Provisions other than Tax(115)(67)(67)(46)(28)(208)
Net Profit Before Tax212238204209177829
Tax(55)(61)(53)(54)(46)(214)
Net Profit After Tax157177151155131615