DCB Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

1,860.88

1,822.75

1,813.57

1,741.89

1,671.05

1,568.40

1,489.25

Income On Investments

360.76

367.16

367.85

341.31

334.74

325.72

308.59

Interest On Balances With Rbi Other Inter Bank Funds

11.62

7.53

8.46

8.57

6.69

8.95

7.66

Interest / Discount On Advances / Bills

1,478.83

1,441.59

1,430.28

1,385.24

1,322.42

1,226.23

1,165.37

Others

9.67

6.47

6.98

6.77

7.20

7.50

7.63

Other Income

221.42

186.09

236.12

218.82

184.05

204.64

143.00

Total Income

2,082.30

2,008.84

2,049.69

1,960.71

1,855.10

1,773.04

1,632.25

Interest Expended

1,236.21

1,226.54

1,233.13

1,183.93

1,128.18

1,059.24

992.67

Net Interest Income

624.67

596.21

580.44

557.96

542.87

509.16

496.58

Total Expenditure (Excl Depreciation)

523.25

478.38

489.67

471.38

455.81

458.68

434.21

Employee Cost

269.54

243.23

251.04

231.43

231.18

235.13

225.32

Other Operating Expenses

253.71

235.15

238.63

239.95

224.63

223.55

208.89

Operating Profit Before Provisions and Contingencies

322.84

303.92

326.89

305.40

271.11

255.12

205.37

Exceptional Items

0.00

Provisions and contingencies

74.11

60.53

115.14

67.22

67.18

45.60

28.39

Profit Before Tax

248.73

243.39

211.75

238.18

203.93

209.52

176.98

Tax

63.99

59.48

54.49

61.11

52.49

54.05

45.62

Profit After Tax

184.74

183.91

157.26

177.07

151.44

155.47

131.36

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

184.74

183.91

157.26

177.07

151.44

155.47

131.36

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

5.74

5.84

5.0

5.63

4.83

4.96

4.19

Diluted Earnings per share

5.72

5.81

4.97

5.6

4.79

4.92

4.16

Operating Profit Margin (Excl OI)

67.9%

70.43%

66.65%

69.08%

68.7%

67.85%

68.94%

Gross Profit Margin

13.37%

13.35%

11.68%

13.67%

12.2%

13.36%

11.88%

PAT Margin

9.93%

10.09%

8.67%

10.17%

9.06%

9.91%

8.82%

Net Interest Margin

3.27%

3.23%

3.2%

3.29%

3.3%

3.27%

3.39%

Return on Assets

0.0%

CASA (%)

22.77%

23.52%

23.32%

24.52%

25.09%

25.61%

25.41%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

15.84%

16.41%

16.66%

16.77%

16.29%

15.55%

15.95%

Capital Adequacy Ratio (Tier 1)

13.45%

13.97%

14.2%

14.3%

13.54%

13.65%

14.0%

Provision Coverage Ratio (%)

75.35%

74.15%

74.04%

74.48%

74.76%

75.62%

76.0%

Amount of Gross NPAs

1,567.51

1,568.03

1,553.63

1,554.43

1,517.18

1,496.64

1,434.55

Amount of Net NPAs

622.98

640.54

625.40

571.55

562.45

521.28

499.22

% of Net NPAs

1.1%

1.21%

1.22%

1.12%

1.18%

1.17%

1.18%

% of Gross NPAs

2.72%

2.91%

2.98%

2.99%

3.11%

3.29%

3.33%

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

469.0

468.0

465.0

464.0

457.0

451.0

445.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 2.09% vs 0.51% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 0.45% vs 16.95% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 6.23% vs -7.03% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.01% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.19% vs -0.07% in Sep 2025

Compare Quarterly Results Of DCB Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,860.88

2,179.18

-318.30

-14.61%

Income On Investments

360.76

406.46

-45.70

-11.24%

Interest On Balances With Rbi Other Inter Bank Funds

11.62

22.04

-10.42

-47.28%

Interest / Discount On Advances / Bills

1,478.83

1,640.79

-161.96

-9.87%

Others

9.67

109.89

-100.22

-91.2%

Other Income

221.42

343.37

-121.95

-35.52%

Total Income

2,082.30

2,522.55

-440.25

-17.45%

Interest Expended

1,236.21

1,451.06

-214.85

-14.81%

Net Interest Income

624.67

728.12

-103.45

-14.21%

Total Expenditure (Excl Depreciation)

523.25

631.45

-108.20

-17.14%

Employee Cost

269.54

316.49

-46.95

-14.83%

Other Operating Expenses

253.71

314.96

-61.25

-19.45%

Operating Profit Before Provisions and Contingencies

322.84

440.04

-117.20

-26.63%

Exceptional Items

0.00

Provisions and contingencies

74.11

20.07

54.04

269.26%

Profit Before Tax

248.73

419.97

-171.24

-40.77%

Tax

63.99

100.85

-36.86

-36.55%

Profit After Tax

184.74

319.12

-134.38

-42.11%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

184.74

319.12

-134.38

-42.11%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.74

8.44

-2.70

-31.99%

Diluted Earnings per share

5.72

8.43

-2.71

-32.15%

Operating Profit Margin (Excl OI)

67.90%

70.10%

0.00

-2.20%

Gross Profit Margin

13.37%

19.27%

0.00

-5.90%

PAT Margin

9.93%

14.64%

0.00

-4.71%

Net Interest Margin

3.27%

2.72%

0.55

0.55%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

22.77%

31.01%

-8.24

-8.24%

CASA Amount

0.00

31,882.00

-31,882.00

-100.0%

Capital Adequacy Ratio (Total)

15.84%

20.84%

-5.00

-5.00%

Capital Adequacy Ratio (Tier 1)

13.45%

19.30%

-5.85

-5.85%

Provision Coverage Ratio (%)

75.35%

81.05%

-5.70

-5.70%

Amount of Gross NPAs

1,567.51

2,453.10

-885.59

-36.1%

Amount of Net NPAs

622.98

975.96

-352.98

-36.17%

% of Net NPAs

1.10%

1.35%

-0.25

-0.25%

% of Gross NPAs

2.72%

3.33%

-0.61

-0.61%

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

1,488.00

-1,488.00

-100.0%

Number of Branches

469.00

955.00

-486.00

-50.89%

Quarterly - Interest Earned

Interest Earned 1860.88 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.09% vs 0.51% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 11.36% vs 21.61% in Dec 2024

Quarterly - Net Profit

Net Profit 184.74 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 0.45% vs 16.95% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 21.99% vs 19.64% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 322.84 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.23% vs -7.03% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 19.08% vs 28.18% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.10%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.01% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.72%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.19% vs -0.07% in Sep 2025

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