DCB Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

1,907.27

1,860.88

1,822.75

1,813.57

1,741.89

1,671.05

1,568.40

Income On Investments

344.03

360.76

367.16

367.85

341.31

334.74

325.72

Interest On Balances With Rbi Other Inter Bank Funds

19.79

11.62

7.53

8.46

8.57

6.69

8.95

Interest / Discount On Advances / Bills

1,539.33

1,478.83

1,441.59

1,430.28

1,385.24

1,322.42

1,226.23

Others

4.12

9.67

6.47

6.98

6.77

7.20

7.50

Other Income

211.51

221.42

186.09

236.12

218.82

184.05

204.64

Total Income

2,118.78

2,082.30

2,008.84

2,049.69

1,960.71

1,855.10

1,773.04

Interest Expended

1,252.05

1,236.21

1,226.54

1,233.13

1,183.93

1,128.18

1,059.24

Net Interest Income

655.22

624.67

596.21

580.44

557.96

542.87

509.16

Total Expenditure (Excl Depreciation)

524.63

523.25

478.38

489.67

471.38

455.81

458.68

Employee Cost

262.13

269.54

243.23

251.04

231.43

231.18

235.13

Other Operating Expenses

262.50

253.71

235.15

238.63

239.95

224.63

223.55

Operating Profit Before Provisions and Contingencies

342.10

322.84

303.92

326.89

305.40

271.11

255.12

Exceptional Items

0.00

Provisions and contingencies

69.00

74.11

60.53

115.14

67.22

67.18

45.60

Profit Before Tax

273.10

248.73

243.39

211.75

238.18

203.93

209.52

Tax

67.45

63.99

59.48

54.49

61.11

52.49

54.05

Profit After Tax

205.65

184.74

183.91

157.26

177.07

151.44

155.47

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

205.65

184.74

183.91

157.26

177.07

151.44

155.47

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

6.39

5.74

5.84

5.0

5.63

4.83

4.96

Diluted Earnings per share

6.35

5.72

5.81

4.97

5.6

4.79

4.92

Operating Profit Margin (Excl OI)

68.88%

67.9%

70.43%

66.65%

69.08%

68.7%

67.85%

Gross Profit Margin

14.32%

13.37%

13.35%

11.68%

13.67%

12.2%

13.36%

PAT Margin

10.78%

9.93%

10.09%

8.67%

10.17%

9.06%

9.91%

Net Interest Margin

3.39%

3.27%

3.23%

3.2%

3.29%

3.3%

3.27%

Return on Assets

0.0%

CASA (%)

22.38%

22.77%

23.52%

23.32%

24.52%

25.09%

25.61%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.55%

15.84%

16.41%

16.66%

16.77%

16.29%

15.55%

Capital Adequacy Ratio (Tier 1)

14.26%

13.45%

13.97%

14.2%

14.3%

13.54%

13.65%

Provision Coverage Ratio (%)

78.42%

75.35%

74.15%

74.04%

74.48%

74.76%

75.62%

Amount of Gross NPAs

1,495.73

1,567.51

1,568.03

1,553.63

1,554.43

1,517.18

1,496.64

Amount of Net NPAs

533.97

622.98

640.54

625.40

571.55

562.45

521.28

% of Net NPAs

0.89%

1.1%

1.21%

1.22%

1.12%

1.18%

1.17%

% of Gross NPAs

2.45%

2.72%

2.91%

2.98%

2.99%

3.11%

3.29%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

430.0

428.0

Number of Branches

480.0

469.0

468.0

465.0

464.0

457.0

451.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 2.49% vs 2.09% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 11.32% vs 0.45% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 5.97% vs 6.23% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.21% vs -0.11% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.27% vs -0.19% in Dec 2025

Compare Quarterly Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,907.27

1,200.86

706.41

58.83%

Income On Investments

344.03

201.15

142.88

71.03%

Interest On Balances With Rbi Other Inter Bank Funds

19.79

2.44

17.35

711.07%

Interest / Discount On Advances / Bills

1,539.33

995.96

543.37

54.56%

Others

4.12

1.31

2.81

214.5%

Other Income

211.51

306.21

-94.70

-30.93%

Total Income

2,118.78

1,507.07

611.71

40.59%

Interest Expended

1,252.05

736.70

515.35

69.95%

Net Interest Income

655.22

464.16

191.06

41.16%

Total Expenditure (Excl Depreciation)

524.63

476.70

47.93

10.05%

Employee Cost

262.13

251.34

10.79

4.29%

Other Operating Expenses

262.50

225.36

37.14

16.48%

Operating Profit Before Provisions and Contingencies

342.10

293.67

48.43

16.49%

Exceptional Items

0.00

Provisions and contingencies

69.00

23.02

45.98

199.74%

Profit Before Tax

273.10

270.65

2.45

0.91%

Tax

67.45

69.07

-1.62

-2.35%

Profit After Tax

205.65

201.58

4.07

2.02%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

205.65

201.58

4.07

2.02%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

6.39

11.62

-5.23

-45.01%

Diluted Earnings per share

6.35

11.62

-5.27

-45.35%

Operating Profit Margin (Excl OI)

68.88%

58.39%

0.00

10.49%

Gross Profit Margin

14.32%

22.54%

0.00

-8.22%

PAT Margin

10.78%

16.79%

0.00

-6.01%

Net Interest Margin

3.39%

0.00%

3.39

3.39%

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

Quarterly - Interest Earned

Interest Earned 1907.27 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 2.49% vs 2.09% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 9.49% vs 20.58% in Mar 2025

Quarterly - Net Profit

Net Profit 205.65 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 11.32% vs 0.45% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 16.14% vs 13.74% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 342.10 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 5.97% vs 6.23% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 12.02% vs 30.65% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.89%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.21% vs -0.11% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.45%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.27% vs -0.19% in Dec 2025

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