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InFocus Banking & Finance

DCB Bank Reports ₹615 Cr PAT for FY 2025, Up 15% YoY

Mr. Praveen Kutty, Managing Director & CEO said, The growth momentum continues to be robust across both advances and deposits. NIM is stabilizing and fee income continues to grow consistently. Productivity gains are reflected in the improving cost efficiency.

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SMEStreet Edit Desk
26 Apr 2025 11:22 IST

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The Board of Directors of DCB Bank Ltd. at its meeting in Mumbai on April 25, 2025, approved the audited financial results for the quarter ended March 31, 2025 (Q4 FY 2025) and Year ended March 31, 2025 (FY2025) along with audit 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 Q4 FY 2025 was at INR 177 Cr. In comparison

Profit After Tax for Q4 FY 2024 was at INR 156 Cr., growth of 14%.

The Bank’s Profit After Tax (PAT) for FY 2025 was INR 615 Cr. In comparison Profit After Tax for FY 2024 was at INR 536 Cr., growth of 15%.

2) Advances growth year-on-year was at 25% (Year-on-year Mortgages growth 21%, Co- lending growth 117%, Construction Finance growth 38% and Agri & Inclusive Banking growth 14%) and Deposits growth year-on-year was at 22%.

3) The Gross NPA as on March 31, 2025 was at 2.99%. Net NPA was at 1.12% as on March 31, 2025.

The Provision Coverage Ratio (PCR) as on March 31, 2025 was at 74.48% and PCR without considering Gold Loans NPAs was at 75.22%.

4) Capital Adequacy continues to be strong and as on March 31, 2025, the Capital Adequacy Ratio was at 16.77% (with Tier I at 14.30% and Tier II at 2.47% as per Basel III norms).

Speaking on the FY 2025 results Mr. Praveen Kutty, Managing Director & CEO said,

“The growth momentum continues to be robust across both advances and deposits. NIM is stabilizing and fee income continues to grow consistently. Productivity gains are reflected in the improving cost efficiency. We are happy to see the consistency in the improvement of portfolio quality despite the challenges posed by the environment. We expect that the measures we have taken will further improve these trends in the times to come”.

Key Balance Sheet Parameters

INR Cr.

Mar 31,

2025

Dec 31,

2024

Sep 30,

2024

Jun 30,

2024

Mar 31,

2024

Total Assets

76,810

71,567

68,955

64,516

63,037

Deposits

60,031

56,678

54,532

51,690

49,353

Net Advances

51,047

47,780

44,465

42,181

40,925

Investments

20,150

17,963

18,205

16,652

16,211

Shareholders’ Equity

5,691

5,489

5,351

5,185

5,071

Gross NPA Ratio

2.99%

3.11%

3.29%

3.33%

3.23%

Net NPA Ratio

1.12%

1.18%

1.17%

1.18%

1.11%

Coverage Ratio

74.48%

74.76%

75.62%

76.00%

77.30%

CASA Ratio

24.52%

25.09%

25.61%

25.41%

26.02%

Credit Deposit Ratio

85.03%

84.30%

81.54%

81.60%

82.92%

DCB Bank Audited Results for the Quarter and Year ended March 31, 2025 

INR Cr.

Q4 FY 2024-25

Q3 FY 2024-25

Q2 FY 2024-25

Q1 FY 2024-25

Q4 FY 2023-24

FY 2024-25

Interest Income

1,742

1,671

1,568

1,489

1,445

6,471

Interest Expense

(1,184)

(1,128)

(1,059)

(992)

(937)

(4364)

Net Interest Income

558

543

509

497

508

2,107

Non-Interest Income

219

184

205

143

136

750

Total Income

777

727

714

640

644

2,857

Operating Expenses

(472)

(456)

(459)

(435)

(410)

(1,820)

Operating Profit

305

271

255

205

234

1,037

Provisions other than Tax

(67)

(67)

(46)

(28)

(24)

(208)

Net Profit Before Tax

238

204

209

177

210

829

Tax

(61)

(53)

(54)

(46)

(54)

(214)

Net Profit After Tax

177

151

155

131

156

615

Banking DCB Bank
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