DCB Bank Ltd. Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

7,404.46

6,470.59

5,362.04

4,200.27

3,512.77

3,458.21

3,536.63

Income On Investments

1,439.80

1,310.36

1,049.93

707.82

590.66

583.16

622.79

Interest On Balances With Rbi Other Inter Bank Funds

47.39

31.87

32.13

63.50

57.15

53.73

37.08

Interest / Discount On Advances / Bills

5,890.03

5,099.26

4,237.96

3,394.82

2,831.77

2,785.54

2,843.19

Others

27.24

29.10

42.02

34.13

33.19

35.78

33.57

Other Income

855.14

750.51

474.24

409.39

452.04

445.83

391.10

Total Income

8,259.60

7,221.10

5,836.28

4,609.66

3,964.81

3,904.04

3,927.73

Interest Expended

4,947.93

4,364.02

3,434.14

2,483.26

2,155.26

2,171.60

2,271.72

Net Interest Income

2,456.53

2,106.57

1,927.90

1,717.01

1,357.51

1,286.61

1,264.91

Total Expenditure (Excl Depreciation)

2,015.92

1,820.08

1,537.70

1,339.67

1,012.57

846.63

902.95

Employee Cost

1,025.94

923.07

794.33

692.90

539.14

433.50

458.80

Other Operating Expenses

989.98

897.01

743.37

646.77

473.43

413.13

444.15

Operating Profit Before Provisions and Contingencies

1,295.75

1,037.00

864.44

786.73

796.98

885.81

753.06

Exceptional Items

0.00

Provisions and contingencies

318.78

208.39

142.48

159.17

407.43

433.01

261.14

Profit Before Tax

976.97

828.61

721.96

627.56

389.55

452.80

491.92

Tax

245.41

213.28

185.99

162.00

102.05

117.01

153.98

Profit After Tax

731.56

615.33

535.97

465.56

287.50

335.79

337.94

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

731.56

615.33

535.97

465.56

287.50

335.79

337.94

Face Value

10.0

Reserves

5,824.24

5,090.18

4,464.99

3,954.61

3,511.20

3,215.74

2,873.36

Earnings per share (EPS)

22.73

19.58

17.13

14.95

9.24

10.81

10.89

Diluted Earnings per share

22.82

19.49

16.99

14.79

9.19

10.7

10.74

Operating Profit Margin (Excl OI)

68.47%

68.65%

68.67%

64.32%

59.58%

63.0%

67.08%

Gross Profit Margin

13.19%

12.81%

13.46%

14.94%

11.09%

13.09%

13.91%

PAT Margin

9.88%

9.51%

10.0%

11.08%

8.18%

9.71%

9.56%

Net Interest Margin

3.28%

3.31%

3.65%

3.93%

3.56%

3.59%

3.67%

Return on Assets

0.0%

CASA (%)

22.38%

24.52%

26.02%

26.42%

26.75%

22.85%

21.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.55%

16.77%

16.59%

17.55%

18.92%

19.67%

17.75%

Capital Adequacy Ratio (Tier 1)

14.26%

14.3%

14.53%

15.18%

15.84%

15.49%

13.9%

Provision Coverage Ratio (%)

78.42%

74.48%

77.3%

79.34%

67.84%

62.35%

70.81%

Amount of Gross NPAs

1,495.73

1,554.43

1,353.47

1,122.84

1,289.93

1,083.44

631.51

Amount of Net NPAs

533.97

571.55

454.33

356.92

573.23

594.15

293.51

% of Net NPAs

0.89%

1.12%

1.11%

1.04%

1.97%

2.31%

1.16%

% of Gross NPAs

2.45%

2.99%

3.23%

3.19%

4.32%

4.13%

2.46%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

418.0

396.0

349.0

410.0

504.0

Number of Branches

480.0

464.0

442.0

427.0

400.0

352.0

336.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 14.43% vs 20.67% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 18.89% vs 14.81% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 24.95% vs 19.96% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.23% vs 0.01% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.54% vs -0.24% in Mar 2025

Compare Annual Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

7,404.46

4,505.19

2,899.27

64.35%

Income On Investments

1,439.80

762.87

676.93

88.73%

Interest On Balances With Rbi Other Inter Bank Funds

47.39

25.24

22.15

87.76%

Interest / Discount On Advances / Bills

5,890.03

3,707.47

2,182.56

58.87%

Others

27.24

9.61

17.63

183.45%

Other Income

855.14

1,176.60

-321.46

-27.32%

Total Income

8,259.60

5,681.79

2,577.81

45.37%

Interest Expended

4,947.93

2,784.87

2,163.06

77.67%

Net Interest Income

2,456.53

1,720.32

736.21

42.79%

Total Expenditure (Excl Depreciation)

2,015.92

1,811.53

204.39

11.28%

Employee Cost

1,025.94

932.34

93.60

10.04%

Other Operating Expenses

989.98

879.19

110.79

12.6%

Operating Profit Before Provisions and Contingencies

1,295.75

1,085.39

210.36

19.38%

Exceptional Items

0.00

Provisions and contingencies

318.78

234.23

84.55

36.1%

Profit Before Tax

976.97

851.16

125.81

14.78%

Tax

245.41

217.98

27.43

12.58%

Profit After Tax

731.56

633.18

98.38

15.54%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

731.56

633.18

98.38

15.54%

Face Value

10.00

0.00

Reserves

5,824.24

4,549.91

1,274.33

28.01%

Earnings per share (EPS)

22.73

36.49

-13.76

-37.71%

Diluted Earnings per share

22.82

36.50

-13.68

-37.48%

Operating Profit Margin (Excl OI)

68.47%

54.59%

0.00

13.88%

Gross Profit Margin

13.19%

18.89%

0.00

-5.70%

PAT Margin

9.88%

14.05%

0.00

-4.17%

Net Interest Margin

3.28%

0.00%

3.28

3.28%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

22.38%

0.00%

22.38

22.38%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.55%

20.66%

-4.11

-4.11%

Capital Adequacy Ratio (Tier 1)

14.26%

0.00%

14.26

14.26%

Provision Coverage Ratio (%)

78.42%

0.00%

78.42

78.42%

Amount of Gross NPAs

1,495.73

669.78

825.95

123.32%

Amount of Net NPAs

533.97

158.23

375.74

237.46%

% of Net NPAs

0.89%

0.40%

0.49

0.49%

% of Gross NPAs

2.45%

1.66%

0.79

0.79%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

Number of Branches

480.00

0.00

480.00

Annual - Interest Earned

Interest Earned 7404.46 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 14.43% vs 20.67% in Mar 2025

Annual - Net Profit

Net Profit 731.56 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 18.89% vs 14.81% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,295.75 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 24.95% vs 19.96% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.89%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.23% vs 0.01% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.45%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.54% vs -0.24% in Mar 2025