Advances growth year-on-year at 25%
FinTech BizNews Service
April 25, 2025, Mumbai: The Board of Directors of DCB Bank Ltd. (BSE: 532772; NSE: DCB)
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”.
