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The Board of Directors of DCB Bank Ltd. at its meeting in Mumbai on January 23, 2026, approved the unaudited financial results for the quarter ended December 31, 2025 (Q3 FY 2026) along with limited review report by statutory auditors ‘Varma & Varma, Chartered Accountants’ and ‘B S R & Co. LLP, Chartered Accountants’.
Highlights:
1) The Bank’s Profit After Tax (PAT) for Q3 FY 2026 was at INR 185 Cr. In comparison Profit After Tax for Q3 FY 2025 was at INR 151 Cr., growth of 22%.
2) Advances growth year-on-year was at 18% and Deposits growth year-on-year was at 20%.
3) The Gross NPA as on December 31, 2025, was at 2.72%. Net NPA was at 1.10% as on December 31, 2025.
The Provision Coverage Ratio (PCR) as on December 31, 2025 was at 75.35% and PCR without considering Gold Loans NPAs was at 76.06%.
4) Capital Adequacy continues to be strong and as on December 31, 2025, the Capital Adequacy Ratio was at 15.84% (with Tier I at 13.45% and Tier II at 2.39% as per Basel III norms).
Speaking on the Q3 FY 2026 results Mr. Praveen Kutty, Managing Director & CEO said,
“The growth momentum in both advances and deposits continues to be robust. As indicated in the last quarter, the NIM continues its upward trend in this quarter as well. Fee income momentum continues to remain strong. Credit costs remain benign with slippages reducing and GNPA & NNPA at their three-year lows. The Bank has registered the highest ever quarterly PAT, despite taking a one-time impact of Rs. 26.87 crore on account of the ‘New Labour Codes’.”
Key Balance Sheet Parameters
INR Cr. | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 |
Total Assets | 81,840 | 78,890 | 77,395 | 76,810 | 71,567 |
Deposits | 67,754 | 64,777 | 62,039 | 60,031 | 56,678 |
Net Advances | 56,600 | 52,975 | 51,215 | 51,047 | 47,780 |
Investments | 19,620 | 20,496 | 19,948 | 20,150 | 17,963 |
Shareholders’ Equity | 6,350 | 5,973 | 5,840 | 5,691 | 5,489 |
Gross NPA Ratio | 2.72% | 2.91% | 2.98% | 2.99% | 3.11% |
Net NPA Ratio | 1.10% | 1.21% | 1.22% | 1.12% | 1.18% |
Coverage Ratio | 75.35% | 74.15% | 74.04% | 74.48% | 74.76% |
CASA Ratio | 22.77% | 23.52% | 23.32% | 24.52% | 25.09% |
Credit Deposit Ratio | 83.54% | 81.78% | 82.55% | 85.03% | 84.30% |
DCB Bank Unaudited Results for the Quarter ended December 31, 2025
INR Cr. | Q3 FY 2025-26 | Q2 FY 2025-26 | Q1 FY 2025-26 | Q4 FY 2024-25 | Q3 FY 2024-25 | FY 2024-25 |
Interest Income | 1,861 | 1,823 | 1,814 | 1,742 | 1,671 | 6,471 |
Interest Expense | (1,236) | (1,227) | (1,233) | (1,184) | (1,128) | (4,364) |
Net Interest Income | 625 | 596 | 581 | 558 | 543 | 2,107 |
Non-Interest Income | 221 | 186 | 236 | 219 | 184 | 750 |
Total Income | 846 | 782 | 817 | 777 | 727 | 2,857 |
Operating Expenses | (523) | (478) | (490) | (472) | (456) | (1,820) |
Operating Profit | 323 | 304 | 327 | 305 | 271 | 1,037 |
Provisions other than Tax | (74) | (61) | (115) | (67) | (67) | (208) |
Net Profit Before Tax | 249 | 243 | 212 | 238 | 204 | 829 |
Tax | (64) | (59) | (55) | (61) | (53) | (214) |
Net Profit After Tax | 185 | 184 | 157 | 177 | 151 | 615 |