Net interest income (NII), the difference between interest earned and interest paid, rose 17.8% to ₹684 crore from ₹580.4 crore a year earlier. The bank’s provisions declined to ₹57.1 crore from ₹115.1 crore in the year-ago quarter.
DCB Bank said its advances grew 17% year-on-year, while deposits increased 20% from the year-ago period. The bank’s Provision Coverage Ratio (PCR) stood at 79.81% as of June 30, 2026. Excluding gold loan NPAs, the PCR was 80.46%.
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The lender said its Capital Adequacy Ratio under Basel III norms remained at 17.03% at the end of the quarter, comprising Tier I capital of 14.90% and Tier II capital of 2.13%.
DCB Bank’s total assets stood at ₹88,752 crore as of June 30, 2026, compared with ₹77,395 crore a year earlier. Deposits increased to ₹74,482 crore from ₹62,039 crore, while net advances rose to ₹59,951 crore from ₹51,215 crore over the same period. The bank’s investments grew to ₹20,873 crore from ₹19,948 crore, while shareholders’ equity increased to ₹6,771 crore from ₹5,840 crore.
Asset quality improved on a year-on-year basis, with the gross non-performing asset (Gross NPA) ratio declining to 2.43% from 2.98%, while the net non-performing asset (Net NPA) ratio improved to 0.84% from 1.22%. The coverage ratio strengthened to 79.81% from 74.04%.
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The bank’s current account and savings account (CASA) ratio stood at 21.65% as of June 30, 2026, compared with 23.32% a year earlier. The credit-deposit ratio was 80.49%, versus 82.55% in the corresponding period last year.
Praveen Kutty, Managing Director and CEO, said, “The growth momentum over the year on both deposits and advances continues to be strong. There has been marked improvement on most levers of profitability, resulting in a 36% increase in profit after tax, compared to the previous year.
Cost to average assets is at a historic low; the portfolio quality improvement continues with lower credit costs and lower gross and net NPAs. The combination of the above has resulted in the Bank registering the highest ever quarterly PAT, for the fourth consecutive quarter, with a 2.05% improvement in ROE since last year.”
Shares of DCB Bank Ltd ended at ₹186.10, down by ₹3.65, or 1.92%, on the BSE.
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