The Gross NPA as on December 31, 2025, was at 2.72%. Net NPA was at 1.10% as on December 31, 2025.
The Board of Directors of DCB Bank Ltd. (BSE: 532772; NSE:
DCB) 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’.”
