DCB Bank’s net profit for the fourth quarter of FY25 has risen by 14% compared to last year, reaching Rs 177 crore. This increase in profit has caused the bank’s stock price to jump by 5.43%, reaching Rs 134.
The bank’s total income grew by 24.03% to Rs 1,960.71 crore in Q4 FY25, up from Rs 1,580.82 crore in the same period last year. Profit before tax (PBT) also rose by 13.6% to Rs 238.18 crore during this period.
Net interest income (NII), which is the bank’s income from lending, increased by 9.84% to Rs 558 crore in Q4 FY25, compared to Rs 508 crore in Q4 FY24.
DCB Bank’s deposits reached Rs 60,031 crore as of March 31, 2025, marking a 21.64% increase from Rs 49,353 crore a year earlier. Net advances, or the bank’s loans, grew by 22.67% to Rs 51,047 crore.
Read More: Tejas Networks Shares Drop 9.51% to Rs 778.10 After Reporting Q4 FY25 Loss of Rs 71.80 Crore
The bank’s CASA ratio (current and savings account deposits) was 24.25% as of March 31, 2025, slightly lower than 26.02% the previous year.
The bank’s non-performing assets (NPAs) saw a slight rise. Gross NPAs stood at Rs 1,517.18 crore, up from Rs 1,367.62 crore in December 2024. The gross NPA ratio improved to 2.99% from 3.23% last year, but the net NPA ratio increased slightly to 1.12% from 1.11%.
The Provision Coverage Ratio (PCR), which indicates how well the bank is covering potential loan losses, stood at 74.48%, with a slightly higher ratio of 75.22% excluding gold loans.
The bank’s capital adequacy ratio, which shows how well the bank can absorb losses, remained strong at 16.77%, with Tier I capital at 14.30% and Tier II at 2.47%, meeting Basel III regulations.
For the full year, the bank’s net profit grew by 14.81%, reaching Rs 615.33 crore, up from Rs 535.97 crore in FY24. Total income for FY25 jumped 23.73% to Rs 7,221.10 crore, up from Rs 5,836.28 crore in FY24.
Also See: Nifty May Drop More! See Why ICICI Securities Says Now’s the Time to Buy IT Stocks
Praveen Kutty, the bank’s Managing Director and CEO, said, “We continue to see strong growth in both loans and deposits. Our fee income is also growing steadily, and our cost efficiency has improved. Despite challenges, we have maintained the quality of our loan portfolio, and we expect this positive trend to continue.”
Additionally, the bank’s board has recommended a dividend of Rs 1.35 per share, which will be paid after approval at the upcoming Annual General Meeting (AGM). The bank’s board also approved plans to raise up to Rs 500 crore through the issuance of debt securities and up to Rs 750 crore through the issuance of equity shares, subject to shareholder approval.
DCB Bank is a private sector bank with 464 branches across 20 states and 2 union territories in India. It is regulated by the Reserve Bank of India.
