DCB Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

1,822.75

1,813.57

1,741.89

1,671.05

1,568.40

1,489.25

1,444.60

Income On Investments

367.16

367.85

341.31

334.74

325.72

308.59

288.56

Interest On Balances With Rbi Other Inter Bank Funds

7.53

8.46

8.57

6.69

8.95

7.66

6.37

Interest / Discount On Advances / Bills

1,441.59

1,430.28

1,385.24

1,322.42

1,226.23

1,165.37

1,138.58

Others

6.47

6.98

6.77

7.20

7.50

7.63

11.09

Other Income

186.09

236.12

218.82

184.05

204.64

143.00

136.22

Total Income

2,008.84

2,049.69

1,960.71

1,855.10

1,773.04

1,632.25

1,580.82

Interest Expended

1,226.54

1,233.13

1,183.93

1,128.18

1,059.24

992.67

937.12

Net Interest Income

596.21

580.44

557.96

542.87

509.16

496.58

507.48

Total Expenditure (Excl Depreciation)

478.38

489.67

471.38

455.81

458.68

434.21

409.95

Employee Cost

243.23

251.04

231.43

231.18

235.13

225.32

211.90

Other Operating Expenses

235.15

238.63

239.95

224.63

223.55

208.89

198.05

Operating Profit Before Provisions and Contingencies

303.92

326.89

305.40

271.11

255.12

205.37

233.75

Exceptional Items

0.00

Provisions and contingencies

60.53

115.14

67.22

67.18

45.60

28.39

24.08

Profit Before Tax

243.39

211.75

238.18

203.93

209.52

176.98

209.67

Tax

59.48

54.49

61.11

52.49

54.05

45.62

53.99

Profit After Tax

183.91

157.26

177.07

151.44

155.47

131.36

155.68

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

183.91

157.26

177.07

151.44

155.47

131.36

155.68

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

5.84

5.0

5.63

4.83

4.96

4.19

4.98

Diluted Earnings per share

5.81

4.97

5.6

4.79

4.92

4.16

4.93

Operating Profit Margin (Excl OI)

70.43%

66.65%

69.08%

68.7%

67.85%

68.94%

69.96%

Gross Profit Margin

13.35%

11.68%

13.67%

12.2%

13.36%

11.88%

14.51%

PAT Margin

10.09%

8.67%

10.17%

9.06%

9.91%

8.82%

10.78%

Net Interest Margin

3.23%

3.2%

3.29%

3.3%

3.27%

3.39%

3.62%

Return on Assets

0.0%

CASA (%)

23.52%

23.32%

24.52%

25.09%

25.61%

25.41%

26.02%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.41%

16.66%

16.77%

16.29%

15.55%

15.95%

16.59%

Capital Adequacy Ratio (Tier 1)

13.97%

14.2%

14.3%

13.54%

13.65%

14.0%

14.53%

Provision Coverage Ratio (%)

74.15%

74.04%

74.48%

74.76%

75.62%

76.0%

77.3%

Amount of Gross NPAs

1,568.03

1,553.63

1,554.43

1,517.18

1,496.64

1,434.55

1,353.47

Amount of Net NPAs

640.54

625.40

571.55

562.45

521.28

499.22

454.33

% of Net NPAs

1.21%

1.22%

1.12%

1.18%

1.17%

1.18%

1.11%

% of Gross NPAs

2.91%

2.98%

2.99%

3.11%

3.29%

3.33%

3.23%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

430.0

428.0

418.0

Number of Branches

468.0

465.0

464.0

457.0

451.0

445.0

442.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 0.51% vs 4.12% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 16.95% vs -11.19% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -7.03% vs 7.04% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.01% vs 0.10% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.01% in Jun 2025

Compare Quarterly Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,822.75

1,109.16

713.59

64.34%

Income On Investments

367.16

186.97

180.19

96.37%

Interest On Balances With Rbi Other Inter Bank Funds

7.53

4.93

2.60

52.74%

Interest / Discount On Advances / Bills

1,441.59

914.37

527.22

57.66%

Others

6.47

2.89

3.58

123.88%

Other Income

186.09

349.20

-163.11

-46.71%

Total Income

2,008.84

1,458.36

550.48

37.75%

Interest Expended

1,226.54

685.60

540.94

78.9%

Net Interest Income

596.21

423.56

172.65

40.76%

Total Expenditure (Excl Depreciation)

478.38

493.46

-15.08

-3.06%

Employee Cost

243.23

228.14

15.09

6.61%

Other Operating Expenses

235.15

265.32

-30.17

-11.37%

Operating Profit Before Provisions and Contingencies

303.92

279.30

24.62

8.81%

Exceptional Items

0.00

Provisions and contingencies

60.53

63.65

-3.12

-4.9%

Profit Before Tax

243.39

215.65

27.74

12.86%

Tax

59.48

55.32

4.16

7.52%

Profit After Tax

183.91

160.33

23.58

14.71%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

183.91

160.33

23.58

14.71%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.84

9.24

-3.40

-36.8%

Diluted Earnings per share

5.81

9.24

-3.43

-37.12%

Operating Profit Margin (Excl OI)

70.43%

49.77%

0.00

20.66%

Gross Profit Margin

13.35%

19.44%

0.00

-6.09%

PAT Margin

10.09%

14.46%

0.00

-4.37%

Net Interest Margin

3.23%

3.81%

-0.58

-0.58%

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%

Quarterly - Interest Earned

Interest Earned 1822.75 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 0.51% vs 4.12% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 16.22% vs 20.13% in Sep 2024

Quarterly - Net Profit

Net Profit 183.91 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 16.95% vs -11.19% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 18.29% vs 22.62% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 303.92 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -7.03% vs 7.04% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 19.13% vs 21.19% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.21%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.01% vs 0.10% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 0.04% vs -0.11% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.91%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.01% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.38% vs -0.07% in Sep 2024