DCB Bank Ltd. Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

5,497.20

4,728.70

3,917.44

3,020.99

2,592.85

2,620.93

2,634.72

Income On Investments

1,095.77

969.05

761.36

511.01

443.95

436.02

464.15

Interest On Balances With Rbi Other Inter Bank Funds

27.61

23.30

25.77

43.89

41.58

43.93

25.99

Interest / Discount On Advances / Bills

4,350.70

3,714.02

3,099.38

2,444.59

2,081.40

2,114.07

2,120.16

Others

23.12

22.33

30.93

21.50

25.92

26.91

24.42

Other Income

643.63

531.69

338.01

287.06

337.24

313.94

281.22

Total Income

6,140.83

5,260.39

4,255.45

3,308.05

2,930.09

2,934.87

2,915.94

Interest Expended

3,695.88

3,180.09

2,497.02

1,789.94

1,615.81

1,645.52

1,693.51

Net Interest Income

1,801.32

1,548.61

1,420.42

1,231.05

977.04

975.41

941.21

Total Expenditure (Excl Depreciation)

1,491.30

1,348.70

1,127.73

975.32

738.13

606.73

681.44

Employee Cost

763.81

691.63

582.43

506.37

392.86

322.35

346.41

Other Operating Expenses

727.49

657.07

545.30

468.95

345.27

284.38

335.03

Operating Profit Before Provisions and Contingencies

953.65

731.60

630.70

542.79

576.15

682.62

540.99

Exceptional Items

0.00

Provisions and contingencies

249.78

141.17

118.41

106.69

339.84

333.83

142.91

Profit Before Tax

703.87

590.43

512.29

436.10

236.31

348.79

398.08

Tax

177.96

152.16

131.99

112.75

62.24

90.91

128.91

Profit After Tax

525.91

438.27

380.30

323.35

174.07

257.88

269.17

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

525.91

438.27

380.30

323.35

174.07

257.88

269.17

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

5.72

4.79

4.02

3.62

2.41

3.07

Operating Profit Margin (Excl OI)

72.87%

71.48%

71.21%

67.72%

71.53%

76.85%

74.14%

Gross Profit Margin

0.0%

PAT Margin

9.57%

9.27%

9.71%

10.7%

6.71%

9.84%

10.22%

Net Interest Margin

3.27%

3.3%

3.48%

4.02%

3.61%

3.75%

3.71%

Return on Assets

0.0%

CASA (%)

22.77%

25.09%

26.13%

27.62%

26.0%

23.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

15.84%

16.29%

15.72%

16.26%

18.21%

18.32%

15.8%

Capital Adequacy Ratio (Tier 1)

13.45%

13.54%

13.69%

14.47%

15.1%

14.26%

12.3%

Provision Coverage Ratio (%)

75.35%

74.76%

76.42%

74.68%

62.17%

84.25%

71.98%

Amount of Gross NPAs

1,567.51

1,517.18

1,367.62

1,223.31

1,339.75

502.27

552.03

Amount of Net NPAs

622.98

562.45

476.85

453.23

696.52

149.74

260.76

% of Net NPAs

1.1%

1.18%

1.22%

1.37%

2.55%

0.59%

1.03%

% of Gross NPAs

2.72%

3.11%

3.43%

3.62%

4.78%

1.96%

2.15%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

430.0

416.0

385.0

353.0

471.0

501.0

Number of Branches

469.0

457.0

440.0

418.0

367.0

347.0

334.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 16.25% vs 20.71% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 20.00% vs 15.24% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 30.35% vs 16.00% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.08% vs -0.04% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.39% vs -0.32% in Dec 2024

Compare Nine Monthly Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

5,497.20

3,304.33

2,192.87

66.36%

Income On Investments

1,095.77

561.72

534.05

95.07%

Interest On Balances With Rbi Other Inter Bank Funds

27.61

22.80

4.81

21.1%

Interest / Discount On Advances / Bills

4,350.70

2,711.51

1,639.19

60.45%

Others

23.12

8.30

14.82

178.55%

Other Income

643.63

870.39

-226.76

-26.05%

Total Income

6,140.83

4,174.72

1,966.11

47.1%

Interest Expended

3,695.88

2,048.17

1,647.71

80.45%

Net Interest Income

1,801.32

1,256.16

545.16

43.4%

Total Expenditure (Excl Depreciation)

1,491.30

1,334.83

156.47

11.72%

Employee Cost

763.81

681.00

82.81

12.16%

Other Operating Expenses

727.49

653.83

73.66

11.27%

Operating Profit Before Provisions and Contingencies

953.65

791.72

161.93

20.45%

Exceptional Items

0.00

Provisions and contingencies

249.78

211.21

38.57

18.26%

Profit Before Tax

703.87

580.51

123.36

21.25%

Tax

177.96

148.91

29.05

19.51%

Profit After Tax

525.91

431.60

94.31

21.85%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

525.91

431.60

94.31

21.85%

Face Value

10.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

9.57%

13.06%

0.00

-3.49%

Net Interest Margin

3.27%

3.86%

-0.59

-0.59%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

22.77%

20.55%

2.22

2.22%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

15.84%

19.41%

-3.57

-3.57%

Capital Adequacy Ratio (Tier 1)

13.45%

17.66%

-4.21

-4.21%

Provision Coverage Ratio (%)

75.35%

79.87%

-4.52

-4.52%

Amount of Gross NPAs

1,567.51

729.42

838.09

114.9%

Amount of Net NPAs

622.98

245.66

377.32

153.59%

% of Net NPAs

1.10%

0.67%

0.43

0.43%

% of Gross NPAs

2.72%

1.96%

0.76

0.76%

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

818.00

-818.00

-100.0%

Number of Branches

469.00

846.00

-377.00

-44.56%

Nine Monthly - Interest Earned

Interest Earned 5497.2 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 16.25% vs 20.71% in Dec 2024

Nine Monthly - Net Profit

Net Profit 525.91 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 20.00% vs 15.24% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 953.65 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 30.35% vs 16.00% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 1.10%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.08% vs -0.04% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.72%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.39% vs -0.32% in Dec 2024