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Informist, Friday, Oct. 17, 2025

 

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--DCB Bank Jul-Sept net profit INR 1.84 bln 
--Analysts saw DCB Bank Jul-Sept net profit INR 1.54 bln 
--DCB Bank Jul-Sept net profit INR 1.84 bln vs INR 1.55 bln year ago 
--DCB Bank Jul-Sept total income INR 20.09 bln vs INR 17.73 bln yr ago 
--DCB Bank Jul-Sept provisions INR 605.30 mln vs INR 456.0 mln year ago 
--DCB Bank gross NPA ratio 2.91% as on Sept 30 vs 2.98% qtr ago 
--DCB Bank net NPA ratio 1.21% as on Sept 30 vs 1.22% qtr ago 
--DCB Bank Apr-Sept net profit INR 3.41 bln vs INR 2.87 bln year ago 
--DCB Bank Apr-Sept total income INR 40.59 bln vs INR 34.05 bln yr ago 
--DCB Bank provision coverage ratio 74.15% as on Sept 30 
--DCB Bank Basel III capital adequacy ratio 16.41% as on Sept 30 
 

 

By Arundathi A R and Adhithya Aji 

 

MUMBAI – DCB Bank Ltd. beat the Street's estimates for net profit during the September quarter on higher interest income. Its total income rose over 13% on year during the quarter and expenses rose at a slightly slower pace of 12%, which helped improve profitability.

 

DCB Bank reported a net profit of INR 1.84 billion for the September quarter, up over 18% on year and nearly 17% sequentially. The net profit was higher than the analysts' estimate of INR 1.54 billion for the quarter. The bank reported a total income of INR 20.09 billion for the reporting quarter, up over 13% on year but fell nearly 2% compared with the trailing quarter.

 

DCB Bank's interest expended for the September quarter rose nearly 16% on year to INR 12.27 billion. This took its total expenses before provisioning to INR 17.05 billion, up over 12% on year. Provisions by the bank were up nearly 33% on year to INR 605.30 million during the quarter. 

 

The bank's net interest margin improved sequentially. Its NIMs during the September quarter was 3.23% as compared with 3.20% a year ago. "Strides made in reduction of cost of deposits and cost of borrowing has helped in NIM uptick", Praveen Kutty, managing director and chief executive officer of the bank, said in a press release.   

 

Net interest income of DCB bank was at INR 5.96 billion for the September quarter, up 17% on year and 2.5% sequentially. Asset quality improved slightly with gross non-performing assets ratio for the reporting quarter at 2.91% as compared with 2.98% in the June quarter. Its net non-performing assets ratio was 1.21%, a marginal improvement from 1.22% a quarter ago. The capital adequacy ratio under Basel III as of Sept. 30 was at 16.41%. Provision coverage ratio as of Sept. 30 was at 74.15% and provision coverage ratio without considering gold loans non-performing assets was 74.81%. 

 

Total assets of the bank rose over 14% on year at INR 788.90 billion for the September quarter. The deposits with DCB Bank as of Sept. 30 were at INR 647.77 billion, nearly 19% higher on year and over 4% higher on quarter. The bank's advances grew 19% on year at INR 529.75 billion from INR 444.65 billion reported during the previous year.

  

DCB Bank's net profit for the first half of 2025-26 (Apr-Mar) was INR 3.14 billion, up 19% on year. The total income of the bank for the same period was INR 40.59 billion, up over 19% on year. Friday, shares of the bank closed at INR 129.03, down nearly 1% on the National Stock Exchange. The bank detailed its September quarter earnings post market hours.   End 

 

Edited by Deepshikha Bhardwaj

 

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