DCB Bank Ltd. Half-Yearly Results: Standalone & Consolidated Reports

Half Yearly Results

Results Snapshot

Figures in Cr

Standalone Half Yearly Results

Sep'25

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Interest Earned

3,636.32

3,057.65

2,543.34

1,949.26

1,714.77

1,751.58

1,736.90

Income On Investments

735.01

634.31

486.19

329.90

299.53

293.06

310.15

Interest On Balances With Rbi Other Inter Bank Funds

15.99

16.61

17.50

32.68

26.79

30.99

18.26

Interest / Discount On Advances / Bills

2,871.87

2,391.60

2,018.11

1,572.86

1,370.49

1,409.52

1,392.54

Others

13.45

15.13

21.54

13.82

17.96

18.01

15.95

Other Income

422.21

347.64

214.29

191.64

218.90

159.43

188.15

Total Income

4,058.53

3,405.29

2,757.63

2,140.90

1,933.67

1,911.01

1,925.05

Interest Expended

2,459.67

2,051.91

1,596.91

1,164.22

1,082.76

1,110.94

1,118.79

Net Interest Income

1,176.65

1,005.74

946.43

785.04

632.01

640.64

618.11

Total Expenditure (Excl Depreciation)

968.05

892.89

741.53

628.00

473.60

394.79

455.19

Employee Cost

494.27

460.45

383.99

326.77

254.89

213.69

230.84

Other Operating Expenses

473.78

432.44

357.54

301.23

218.71

181.10

224.35

Operating Profit Before Provisions and Contingencies

630.81

460.49

419.19

348.68

377.31

405.28

351.07

Exceptional Items

0.00

Provisions and contingencies

175.67

73.99

77.41

66.01

242.86

186.12

83.91

Profit Before Tax

455.14

386.50

341.78

282.67

134.45

219.16

267.16

Tax

113.97

99.67

88.06

73.17

35.75

57.49

94.69

Profit After Tax

341.17

286.83

253.72

209.50

98.70

161.67

172.47

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

341.17

286.83

253.72

209.50

98.70

161.67

172.47

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

10.83

9.15

8.13

6.73

3.18

5.21

5.56

Diluted Earnings per share

10.78

9.08

8.06

6.69

3.15

5.17

5.47

Operating Profit Margin (Excl OI)

68.55%

68.38%

67.8%

64.4%

58.22%

66.84%

68.96%

Gross Profit Margin

12.52%

12.64%

13.44%

14.5%

7.84%

12.51%

15.38%

PAT Margin

9.38%

9.98%

10.75%

5.76%

9.23%

9.93%

Net Interest Margin

0.0%

Return on Assets

0.0%

CASA (%)

23.52%

25.61%

25.04%

29.34%

25.38%

22.0%

23.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.41%

15.55%

16.55%

17.91%

19.34%

18.28%

16.16%

Capital Adequacy Ratio (Tier 1)

13.97%

13.65%

14.28%

14.94%

15.28%

14.22%

12.58%

Provision Coverage Ratio (%)

74.15%

75.62%

75.49%

72.83%

60.46%

79.06%

73.09%

Amount of Gross NPAs

1,568.03

1,496.64

1,281.25

1,249.19

1,284.93

573.70

523.24

Amount of Net NPAs

640.54

521.28

476.43

482.90

706.95

205.77

237.86

% of Net NPAs

1.21%

1.17%

1.28%

1.54%

2.63%

0.83%

0.96%

% of Gross NPAs

2.91%

3.29%

3.36%

3.89%

4.68%

2.27%

2.09%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

428.0

414.0

0.0

344.0

480.0

499.0

Number of Branches

468.0

451.0

439.0

410.0

356.0

344.0

334.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2025 is 18.93% vs 20.22% in Sep 2024

Net Profit

Growth in half year ended Sep 2025 is 18.95% vs 13.05% in Sep 2024

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is 36.99% vs 9.85% in Sep 2024

% of Net NPAs

Growth in half year ended Sep 2025 is 0.04% vs -0.11% in Sep 2024

% of Gross NPAs

Growth in half year ended Sep 2025 is -0.38% vs -0.07% in Sep 2024

Compare Half Yearly Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

3,636.32

2,150.10

1,486.22

69.12%

Income On Investments

735.01

374.34

360.67

96.35%

Interest On Balances With Rbi Other Inter Bank Funds

15.99

12.15

3.84

31.6%

Interest / Discount On Advances / Bills

2,871.87

1,759.47

1,112.40

63.22%

Others

13.45

4.14

9.31

224.88%

Other Income

422.21

593.91

-171.70

-28.91%

Total Income

4,058.53

2,744.01

1,314.52

47.91%

Interest Expended

2,459.67

1,347.13

1,112.54

82.59%

Net Interest Income

1,176.65

802.97

373.68

46.54%

Total Expenditure (Excl Depreciation)

968.05

897.27

70.78

7.89%

Employee Cost

494.27

449.19

45.08

10.04%

Other Operating Expenses

473.78

448.08

25.70

5.74%

Operating Profit Before Provisions and Contingencies

630.81

499.61

131.20

26.26%

Exceptional Items

0.00

Provisions and contingencies

175.67

124.44

51.23

41.17%

Profit Before Tax

455.14

375.17

79.97

21.32%

Tax

113.97

96.24

17.73

18.42%

Profit After Tax

341.17

278.93

62.24

22.31%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

341.17

278.93

62.24

22.31%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

10.83

16.07

-5.24

-32.61%

Diluted Earnings per share

10.78

16.08

-5.30

-32.96%

Operating Profit Margin (Excl OI)

68.55%

52.48%

0.00

16.07%

Gross Profit Margin

12.52%

17.45%

0.00

-4.93%

PAT Margin

9.38%

12.97%

0.00

-3.59%

Net Interest Margin

0.00%

3.68%

-3.68

-3.68%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

23.52%

21.17%

2.35

2.35%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.41%

20.99%

-4.58

-4.58%

Capital Adequacy Ratio (Tier 1)

13.97%

19.19%

-5.22

-5.22%

Provision Coverage Ratio (%)

74.15%

84.14%

-9.99

-9.99%

Amount of Gross NPAs

1,568.03

628.75

939.28

149.39%

Amount of Net NPAs

640.54

178.46

462.08

258.93%

% of Net NPAs

1.21%

0.52%

0.69

0.69%

% of Gross NPAs

2.91%

1.81%

1.10

1.10%

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

810.00

-810.00

-100.0%

Number of Branches

468.00

838.00

-370.00

-44.15%

Half Yearly - Interest Earned

Interest Earned 3636.32 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 18.93% vs 20.22% in Sep 2024

Half Yearly - Net Profit

Net Profit 341.17 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 18.95% vs 13.05% in Sep 2024

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 630.81 Cr

in Sep 2025

Figures in Cr

Growth in half year ended Sep 2025 is 36.99% vs 9.85% in Sep 2024

Half Yearly - % of Net NPAs

% of Net NPAs 1.21%

in Sep 2025

Figures in %

Growth in half year ended Sep 2025 is 0.04% vs -0.11% in Sep 2024

Half Yearly - % of Gross NPAs

% of Gross NPAs 2.91%

in Sep 2025

Figures in %

Growth in half year ended Sep 2025 is -0.38% vs -0.07% in Sep 2024