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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 |