DCB Bank announced Q3FY25 results The Bank’s Profit After Tax (PAT) for Q3 FY 2025 was at Rs 151 crore. In comparison Profit After Tax for Q3FY24 was at Rs 127 crore, growth of 20%. Advances growth year-on-year was at 23% and Deposits growth year-on-year was at 20%. The Gross NPA as on December 31, 2024 was at 3.11%. Net NPA was at 1.18% as on December 31, 2024. The Provision Coverage Ratio (PCR) as on December 31, 2024 was at 74.76% and PCR without considering Gold Loans NPAs was at 75.56%. Capital Adequacy continues to be strong and as on December 31, 2024, the Capital Adequacy Ratio was at 16.29% (with Tier I at 13.54% and Tier II at 2.75% as per Basel III norms). Speaking on the Q3FY25 results Praveen Kutty, Managing Director & CEO said, “We are happy to see the consistency of growth momentum both on advances and deposits. NIM has shown an uptick and fee momentum remains robust. While there are headwinds in the microfinance and unsecured space, we are able to improve the overall asset quality. The focus on productivity is improving the cost income ratio. We expect these positive trends to continue in the times ahead”. Result PDF
DCB Bank announced Q2FY25 results The Bank’s Profit After Tax (PAT) for Q2FY25 was at Rs 155 crore. In comparison Profit After Tax for Q2FY24 was at Rs 127 crore., growth of 23%. Advances growth year-on-year was at 19% and Deposit growth YoY was at 20%. The Gross NPA as on Q2FY25 was at 3.29%. Net NPA was at 1.17% as on Q2FY24. The Provision Coverage Ratio (PCR) as on Q2FY24 was at 75.62% and PCR without considering Gold Loans NPAs was at 76.41%. Capital Adequacy continues to be strong and as on Q2FY25, the Capital Adequacy Ratio was at 15.55% (with Tier I at 13.65% and Tier II at 1.90% as per Basel III norms). Praveen Kutty, Managing Director & CEO said: “Our growth trajectory continues to be robust both in deposits and advances. Greater focus on analytics and engagement to give us benefits on the fee line. Recoveries and upgrades continue to be encouraging. We are working on improving the productivity and looking ahead we expect steady improvement in profitability.” Result PDF