DCB Bank Limited announced its unaudited financial results for the third quarter of FY 2026, ending December 31, 2025. The bank reported a Profit After Tax (PAT) of INR 185 crore, marking a 22% increase compared to INR 151 crore in Q3 FY 2025. This is the highest ever quarterly PAT for the bank.
Key Highlights
Advances Growth: 18% year-on-year
Deposits Growth: 20% year-on-year
Gross NPA: 2.72% (three-year low)
Net NPA: 1.10%
Provision Coverage Ratio (PCR): 75.35%
Capital Adequacy Ratio: 15.84% (Tier I: 13.45%, Tier II: 2.39%)
Balance Sheet Snapshot (Dec 31, 2025)
Total Assets: INR 81,840 crore
Deposits: INR 67,754 crore
Net Advances: INR 56,600 crore
Investments: INR 19,620 crore
Shareholders’ Equity: INR 6,350 crore
Income & Profitability
Net Interest Income (NII): INR 625 crore
Non-Interest Income: INR 221 crore
Operating Profit: INR 323 crore
Net Profit Before Tax: INR 249 crore
Net Profit After Tax: INR 185 crore
CEO’s Statement
Praveen Kutty, Managing Director & CEO, highlighted that the growth momentum in advances and deposits remains robust. Net Interest Margin (NIM) continues to improve, fee income is strong, and credit costs remain benign. He emphasized that despite a one-time impact of INR 26.87 crore due to new labour codes, the bank achieved record profitability.
About DCB Bank
DCB Bank is a new-generation private sector bank with 469 branches across 20 states and 2 union territories. It serves diverse segments including retail, SMEs, microfinance institutions, agriculture, and corporate banking. The bank is known for its innovative technology, including Aadhaar-based biometric ATMs and advanced internet banking services.
