Are DCB Bank latest results good or bad?

DCB Bank has reported its financial results for the quarter ending March 2025, highlighting several key operational trends. The bank achieved a record high in interest earned, reaching Rs 1,741.89 crore, which reflects consistent growth over the last five quarters. The net interest income also increased to Rs 557.96 crore, and profit after tax (PAT) rose to Rs 177.07 crore, both representing the highest figures in the last five quarters. Additionally, earnings per share (EPS) stood at Rs 5.63, indicating enhanced profitability for shareholders.
A notable improvement was observed in the gross non-performing assets (NPA) ratio, which decreased to 2.99%, marking the lowest level in the same period. The capital adequacy ratio (CAR) also improved to 16.77%, suggesting a stronger capital base relative to risk assets.

However, it is important to note that a significant portion of the bank's profit before tax, approximately 91.87%, was derived from non-operating income, which raises questions about the sustainability of the bank's business model moving forward.

Overall, the company saw an adjustment in its evaluation, reflecting the mixed operational trends and financial metrics reported.