DCB Bank Ltd

Total income increased 24.03% to Rs 1,960.71 crore in Q4 FY25 as against Rs 1580.82 crore in Q4 FY24. Profit before tax (PBT) jumped 13.6% YoY to Rs 238.18 crore in Q4 FY25. Net interest income (NII) climbed 9.84% to Rs 558 crore during the quarter as compared with Rs 508 crore posted in corresponding quarter last year. Deposits stood at Rs 60,031 crore as of 31st March 2025, registering the growth of 21.64% as compared with Rs 49,353 crore as of 31st March 2024. Net advances grew 22.67% year on year to Rs 51,047 crore in Q4 FY25. As of 31st March 2025, CASA ratio was at 24.25% as against 26.02% as of 31st March 2024. Gross non-performing assets (NPA) stood at Rs 1,554.43 crore as on 31st March 2025 as compared with Rs 1,353.47 crore as on 31st March 2024. Gross NPA ratio reduced to 2.99% in Q4 FY25 as compared with 3.23% in Q4 FY24. Net NPA ratio rose at 1.12% in Q4 FY25 as compared with 1.11% posted in the same quarter previous year. 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%. 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). On financial year basis, the bank's net profit increased 14.81% to Rs 615.33 crore in FY25 as compared with Rs 535.97 crore in FY24. Total income jumped 23.73% to Rs 7,221.10 crore in FY25 as compared with Rs 5,836.28 crore in FY24. 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.' Meanwhile, the bank's board recommended a dividend of Rs 1.35 per share of face value of Rs 10 each subject to approval of the Shareholders at the ensuing Annual General Meeting (AGM) of the Bank and other requisite approvals, if any. The dividend will be paid/despatched within the prescribed time, post approval of the Shareholders. Further, the bank's board approved the resolution for fund raising through the issuance of debt securities including unsecured redeemable non-convertible subordinated basel III compliant Tier II Bonds up to Rs 500 crore (with green shoe option) by way of private placement in one or more tranches during the period of one year from the conclusion of the 30th Annual General Meeting of the Bank, subject to approval of the shareholders of the Bank and any other regulatory approvals, as may be required under the applicable laws. Furthermore, the board proposed to the members at the ensuing Annual General Meeting, for raising of funds up to Rs 750 crore by way of issue of equity shares / other securities convertible into equity shares through Qualified Institutions Placement, as may be required by the Bank from time to time, subject to approval of the Shareholders and other approvals, if any, as may be required under the applicable laws / regulations. DCB Bank is a new generation private sector bank with 464 branches across 20 states and 2 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India.Powered by Capital Market - Live

DCB Bank announced that the Board of Directors of the Company at its meeting held on 25 April 2025, has recommended a Final dividend of Rs.1.35 per share (i.e.13.5%), subject to the approval of the shareholders.Powered by Capital Market - Live

DCB Bank will hold a meeting of the Board of Directors of the Company on 25 April 2025.Powered by Capital Market - Live

DCB Bank has allotted 1,17,456 equity shares under ESOP on 24 February 2025. Accordingly, the issued and paid-up share capital of the Bank stands increased from 314,018,602 equity shares of Rs.10/- each to 314,136,058 equity shares of Rs.10/- each.Powered by Capital Market - Live

The key equity benchmarks traded with substantial losses in the mid-morning trade as foreign outflows and mixed earnings dampened sentiment. Concerns over the Union Budget 2025 and Trump's 25% tariff on Colombian goods added to market jitters. The Nifty traded below the 22,900 level. IT shares witnessed profit booking after advancing in the past three consecutive trading sessions. At 11:30 IST, the barometer index, the S&P BSE Sensex, declined 639.26 points or 0.84% to 75,551.20. The Nifty 50 index fell 200.95 points or 0.87% to 22,891.25. The broader market underperformed the frontline indices. The S&P BSE Mid-Cap index fell 2.46% and the S&P BSE Small-Cap index slipped 3.56%. The market breadth was weak. On the BSE, 492 shares rose and 3,418 shares fell. A total of 148 shares were unchanged. Economy: India's forex reserves dropped by $1.88 billion to $623.983 billion in the week ended January 17, the RBI said on Friday. The forex reserves had increased to an all-time high of $704.885 billion in end-September. For the week ended January 17, foreign currency assets, a major component of the reserves, decreased by $2.878 billion to $533.133 billion, the data released on Friday showed. Gold reserves increased by $1.063 million to $68.947 billion during the week. The special drawing rights (SDRs) were up by $01 million to $17.782 billion, the RBI said. India's reserve position with the IMF was down by $74 million at $4.122 billion in the reporting week, the data showed. Buzzing Index: The Nifty IT index declined 2.13% to 42,596.55. The index rallied 2.16% in past three consecutive trading sessions. Persistent Systems (down 3.63%), LTIMindtree (down 3.35%), L&T Technology Services (down 2.83%), Wipro (down 2.78%), HCL Technologies (down 2.72%), Coforge (down 2.71%), Tech Mahindra (down 2.65%), Tata Consultancy Services (down 2.19%), Infosys (down 1.82%) and Mphasis (down 1.58%). Stocks in Spotlight: DCB Bank rallied 4.23% after the bank's standalone net profit jumped 19.64% to Rs 151.44 crore in Q3 FY25 compared with Rs 126.58 crore posted in Q3 FY24.Total income increased 23.85% YoY to Rs 1,855.10 crore during the quarter. Bank of India added 4.48% after the bank's standalone net jumped 34.62% to Rs 2,516.69 crore in Q3 FY25 compared with Rs 1,869.51 crore in Q3 FY24. Total income jumped 21.61% YoY to Rs 19,956.90 crore during the quarter. JSW Steel dropped 2.20% after the company reported a 70.65% decline in consolidated net profit to Rs 719 crore in Q3 FY25 compared with Rs 2,450 crore in Q3 FY24. Revenue from operations declined 1.32% YoY to Rs 40,793 crore during the quarter. Global Markets: The US Dow Jones index futures were currently down by 57 points, signaling a weak opening for US stocks today. Most Asian stocks advanced on Monday following an 11% year-on-year increase in China's industrial profits for December. However, investors also focused on the unexpected contraction in China's factory activity growth, with the official purchasing managers' index for January coming in at 49.1. Former President Donald Trump decided to impose tariffs and sanctions on Colombia for hindering U.S. immigration policies. The dollar also edged higher as markets awaited the Federal Reserve's interest rate decision and key inflation data later this week. Trading in Asia may see heightened volatility as major markets prepare to shut mid-week for the Lunar New Year holiday. On Sunday, Trump announced sanctions and steep tariffs on Colombia after its President, Gustavo Petro, refused to allow U.S. repatriation flights carrying deported individuals to land. Trump declared an immediate 25% tariff on all Colombian imports, escalating to 50% next week. Additionally, the U.S. imposed a travel ban and revoked visas for Colombian officials and affiliates. Trump also hinted at potential tariffs on Mexico, Canada, China, and the European Union by February 1. U.S. stocks ended lower on Friday as investors digested mixed economic data and corporate earnings. The Dow Jones Industrial Average slipped 0.32%, the S&P 500 closed flat, and the Nasdaq Composite dropped 0.5%. Tech earnings remain critical for global equities, with particular focus on artificial intelligence (AI). China's AI startup DeepSeek has unveiled its latest model, R1, rivaling leading U.S. systems like OpenAI's ChatGPT at a fraction of the cost. This development challenges industry giants like NVIDIA, which saw its stock decline in response. The Federal Reserve is widely expected to hold interest rates steady at the conclusion of its two-day meeting on Wednesday, pausing the rate-cutting cycle initiated in September. Key data points this week include the Fed's preferred inflation gauge'the Personal Consumption Expenditures (PCE) Price Index'and fourth-quarter GDP estimates. Weekly jobless claims for December and January's consumer confidence figures are also on the radar.Powered by Capital Market - Live

Total income increased 23.85% YoY to Rs 1,855.10 crore during the quarter. Operating profit before provisions and contingencies jumped 28.18% to Rs 271.11 crore in Q3 FY25 as compared with Rs 211.51 crore in Q3 FY24. Provisions (other than tax) and contingencies stood at Rs 67.18 crore during the quarter, up 63.85% compared with Rs 41 crore posted in Q3 FY24. Net interest income (NII) stood at Rs 543 crore in Q3 FY25, up 14.56% as compared with Rs 474 crore in Q3 FY24. Net interest margin (NIM) stood at 3.30% in Q3 FY25 as against 3.48% in Q3 FY24. Net advances grew 22.67% year on year to Rs 47,780 crore in Q3 FY25. Deposits jumped 20.28% year on year to Rs 56,678 crore in Q3 FY24. Gross non-performing assets (NPA) slipped Rs 1,517.18 crore as on 31st December 2024 as compared with Rs 1,367.62 crore as on 31st December 2024. Gross NPA rose 3.11% in Q3 FY5 as compared with 3.43% in Q3 FY24. Net NPA was at 1.18% in Q3 FY25 as compared with 1.22% posted in the same quarter previous year. The provision coverage ratio (PCR) as on 31 December 2024 was at 7476% and PCR without considering gold loans NPAs was at 75.56%. Capital adequacy continues to be strong and as on 31st December 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). 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.' DCB Bank is engaged in providing banking and financial services and governed by the Banking Regulation Act, 1949. As on 31 December 2024, the bank's headcount stood at 11,339, the bank has 457 branches along with 430 ATMs.Powered by Capital Market - Live

Net profit of DCB Bank rose 19.64% to Rs 151.44 crore in the quarter ended December 2024 as against Rs 126.58 crore during the previous quarter ended December 2023. Total Operating Income rose 21.61% to Rs 1671.05 crore in the quarter ended December 2024 as against Rs 1374.10 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Total Operating Income1671.051374.10 22 OPM %68.7068.91 - PBDT203.93170.51 20 PBT203.93170.51 20 NP151.44126.58 20 Powered by Capital Market - Live

DCB Bank has allotted 2,00,500 equity shares under ESOP. Accordingly, the issued and paid-up share capital of the Bank stands increased from 313,818,102 equity shares of Rs.10/- each to 314,018,602 equity shares of Rs.10/- each.Powered by Capital Market - Live

DCB Bank will hold a meeting of the Board of Directors of the Company on 24 January 2025.Powered by Capital Market - Live

The Board of DCB Bank at its meeting held on 18 November 2024 has allotted today on a private placement basis 9.20% non-convertible, listed, rated, unsecured, subordinated, taxable, fully paid-up, redeemable, cumulative, Basel III compliant Tier 2 bonds in the nature of debentures (Series I) for inclusion in Tier 2 Capital of the Bank, of the face value of Rs.100,000 each (Bonds) at par aggregating up to Rs. 400 crore. Powered by Capital Market - Live