Newspatrolling.com News cum Content Syndication Portal Online
DCBBankannouncesFullYear2025Results
April30,2025,Bengaluru:TheBoardofDirectorsofDCBBankLtd.(BSE:532772;NSE:DCB) at its meeting in Mumbai on April 25, 2025, approved the audited financial results for the quarterendedMarch31,2025(Q4FY2025)andYearendedMarch31,2025(FY2025)along withaudit reportbystatutoryauditors‘Varma&Varma, CharteredAccountants’and‘BSR& Co. LLP, Chartered Accountants’.
Highlights:
1)The BankֱProfitAfterTax(PAT)forQ4 FY2025wasatINR177Cr.Incomparison
ProfitAfterTaxforQ4FY2024wasatINR156Cr., growthof14%.
The Bankֱ 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)Advancesgrowthyear-on-yearwasat25%(Year-on-yearMortgagesgrowth21%,Co- lending growth 117%, Construction Finance growth 38% and Agri &Inclusive Banking growth 14%) andDepositsgrowth year-on-year was at 22%.
3)TheGross NPAas on March 31, 2025 was at 2.99%.Net NPAwas at 1.12% as on March 31, 2025.
TheProvisionCoverageRatio(PCR)asonMarch31,2025wasat74.48%and PCR without considering Gold Loans NPAs was at 75.22%.
4)Capital Adequacy continues to be strong and as on March 31, 2025, theCapital AdequacyRatiowasat16.77%(withTierIat14.30%andTierIIat2.47%asperBasel III norms).
SpeakingontheFY2025resultsMr.PraveenKutty,ManagingDirector&CEOsaid,
“Thegrowthmomentumcontinuestoberobustacrossbothadvancesanddeposits.NIMis stabilizing and feeincome continuestogrowconsistently. Productivity gains arereflectedin 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”.
KeyBalanceSheetParameters
| INRCr. | Mar31,
2025 |
Dec31,
2024 |
Sep30,
2024 |
Jun30,
2024 |
Mar31,
2024 |
| TotalAssets | 76,810 | 71,567 | 68,955 | 64,516 | 63,037 |
| Deposits | 60,031 | 56,678 | 54,532 | 51,690 | 49,353 |
| NetAdvances | 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 |
| GrossNPARatio | 2.99% | 3.11% | 3.29% | 3.33% | 3.23% |
| NetNPARatio | 1.12% | 1.18% | 1.17% | 1.18% | 1.11% |
| CoverageRatio | 74.48% | 74.76% | 75.62% | 76.00% | 77.30% |
| CASARatio | 24.52% | 25.09% | 25.61% | 25.41% | 26.02% |
| CreditDepositRatio | 85.03% | 84.30% | 81.54% | 81.60% | 82.92% |
DCBBankAuditedResultsfortheQuarterandYearendedMarch31,2025
| INRCr. | Q4 FY2024-25 | Q3 FY2024-25 | Q2 FY2024-25 | Q1 FY2024-25 | Q4 FY2023-24 | FY2024-25 |
| InterestIncome | 1,742 | 1,671 | 1,568 | 1,489 | 1,445 | 6,471 |
| InterestExpense | (1,184) | (1,128) | (1,059) | (992) | (937) | (4364) |
| NetInterestIncome | 558 | 543 | 509 | 497 | 508 | 2,107 |
| Non-InterestIncome | 219 | 184 | 205 | 143 | 136 | 750 |
| TotalIncome | 777 | 727 | 714 | 640 | 644 | 2,857 |
| OperatingExpenses | (472) | (456) | (459) | (435) | (410) | (1,820) |
| OperatingProfit | 305 | 271 | 255 | 205 | 234 | 1,037 |
| ProvisionsotherthanTax | (67) | (67) | (46) | (28) | (24) | (208) |
| NetProfitBeforeTax | 238 | 204 | 209 | 177 | 210 | 829 |
| Tax | (61) | (53) | (54) | (46) | (54) | (214) |
| NetProfitAfterTax | 177 | 151 | 155 | 131 | 156 | 615 |
