DCB Bank

Market Cap: Small Cap
Industry: Bank - Private
ISIN: INE503A01015
NSEID: DCBBANK
BSEID: 532772

INR

118.45

3.15 (2.73%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 6.31 lacs

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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

4,728.70

3,917.44

3,020.99

2,592.85

2,620.93

2,634.72

2,214.39

Income On Investments

969.05

761.36

511.01

443.95

436.02

464.15

387.60

Interest On Balances With Rbi Other Inter Bank Funds

23.30

25.77

43.89

41.58

43.93

25.99

20.34

Interest / Discount On Advances / Bills

3,714.02

3,099.38

2,444.59

2,081.40

2,114.07

2,120.16

1,786.55

Others

22.33

30.93

21.50

25.92

26.91

24.42

19.90

Other Income

531.69

338.01

287.06

337.24

313.94

281.22

250.80

Total Income

5,260.39

4,255.45

3,308.05

2,930.09

2,934.87

2,915.94

2,465.19

Interest Expended

3,180.09

2,497.02

1,789.94

1,615.81

1,645.52

1,693.51

1,365.97

Net Interest Income

1,548.61

1,420.42

1,231.05

977.04

975.41

941.21

848.42

Total Expenditure (Excl Depreciation)

1,348.70

1,127.73

975.32

738.13

606.73

681.44

637.91

Employee Cost

691.63

582.43

506.37

392.86

322.35

346.41

329.12

Other Operating Expenses

657.07

545.30

468.95

345.27

284.38

335.03

308.79

Operating Profit Before Provisions and Contingencies

731.60

630.70

542.79

576.15

682.62

540.99

461.31

Exceptional Items

0.00

Provisions and contingencies

141.17

118.41

106.69

339.84

333.83

142.91

105.27

Profit Before Tax

590.43

512.29

436.10

236.31

348.79

398.08

356.04

Tax

152.16

131.99

112.75

62.24

90.91

128.91

127.00

Profit After Tax

438.27

380.30

323.35

174.07

257.88

269.17

229.04

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

438.27

380.30

323.35

174.07

257.88

269.17

229.04

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

4.79

4.02

3.62

2.41

3.07

2.74

Operating Profit Margin (Excl OI)

71.48%

71.21%

67.72%

71.53%

76.85%

74.14%

71.19%

Gross Profit Margin

0.0%

PAT Margin

9.27%

9.71%

10.7%

6.71%

9.84%

10.22%

10.34%

Net Interest Margin

3.3%

3.48%

4.02%

3.61%

3.75%

3.71%

3.83%

Return on Assets

0.0%

1.03%

CASA (%)

25.09%

26.13%

27.62%

26.0%

23.0%

24.0%

CASA Amount

0.00

6,670.10

Capital Adequacy Ratio (Total)

16.29%

15.72%

16.26%

18.21%

18.32%

15.8%

15.45%

Capital Adequacy Ratio (Tier 1)

13.54%

13.69%

14.47%

15.1%

14.26%

12.3%

11.93%

Provision Coverage Ratio (%)

74.76%

76.42%

74.68%

62.17%

84.25%

71.98%

76.99%

Amount of Gross NPAs

1,517.18

1,367.62

1,223.31

1,339.75

502.27

552.03

445.12

Amount of Net NPAs

562.45

476.85

453.23

696.52

149.74

260.76

163.44

% of Net NPAs

1.18%

1.22%

1.37%

2.55%

0.59%

1.03%

0.71%

% of Gross NPAs

3.11%

3.43%

3.62%

4.78%

1.96%

2.15%

1.92%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

430.0

416.0

385.0

353.0

471.0

501.0

505.0

Number of Branches

457.0

440.0

418.0

367.0

347.0

334.0

331.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 20.71% vs 29.67% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 15.24% vs 17.61% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 16.00% vs 16.20% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.04% vs -0.15% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -0.32% vs -0.19% in Dec 2023

Compare Nine Monthly Results Of DCB Bank With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

4,728.70

23,278.78

-18,550.08

-79.69%

Income On Investments

969.05

4,354.90

-3,385.85

-77.75%

Interest On Balances With Rbi Other Inter Bank Funds

23.30

291.40

-268.10

-92.0%

Interest / Discount On Advances / Bills

3,714.02

17,464.10

-13,750.08

-78.73%

Others

22.33

1,168.38

-1,146.05

-98.09%

Other Income

531.69

4,117.60

-3,585.91

-87.09%

Total Income

5,260.39

27,396.38

-22,135.99

-80.8%

Interest Expended

3,180.09

16,610.78

-13,430.69

-80.86%

Net Interest Income

1,548.61

6,668.00

-5,119.39

-76.78%

Total Expenditure (Excl Depreciation)

1,348.70

7,846.02

-6,497.32

-82.81%

Employee Cost

691.63

2,991.59

-2,299.96

-76.88%

Other Operating Expenses

657.07

4,854.43

-4,197.36

-86.46%

Operating Profit Before Provisions and Contingencies

731.60

2,939.58

-2,207.98

-75.11%

Exceptional Items

0.00

Provisions and contingencies

141.17

767.55

-626.38

-81.61%

Profit Before Tax

590.43

2,172.03

-1,581.60

-72.82%

Tax

152.16

504.29

-352.13

-69.83%

Profit After Tax

438.27

1,667.74

-1,229.47

-73.72%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

438.27

1,667.74

-1,229.47

-73.72%

Face Value

10.00

2.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

9.27%

7.16%

0.00

2.11%

Net Interest Margin

3.30%

2.40%

0.90

0.90%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

25.09%

33.10%

-8.01

-8.01%

CASA Amount

0.00

91,650.00

-91,650.00

-100.0%

Capital Adequacy Ratio (Total)

16.29%

15.20%

1.09

1.09%

Capital Adequacy Ratio (Tier 1)

13.54%

12.59%

0.95

0.95%

Provision Coverage Ratio (%)

74.76%

71.20%

3.56

3.56%

Amount of Gross NPAs

1,517.18

3,963.47

-2,446.29

-61.72%

Amount of Net NPAs

562.45

1,142.62

-580.17

-50.78%

% of Net NPAs

1.18%

0.50%

0.68

0.68%

% of Gross NPAs

3.11%

1.60%

1.51

1.51%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

430.00

1,326.00

-896.00

-67.57%

Number of Branches

457.00

1,247.00

-790.00

-63.35%

Nine Monthly - Interest Earned

Interest Earned 4728.7 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 20.71% vs 29.67% in Dec 2023

Nine Monthly - Net Profit

Net Profit 438.27 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 15.24% vs 17.61% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 731.60 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 16.00% vs 16.20% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 1.18%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.04% vs -0.15% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 3.11%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.32% vs -0.19% in Dec 2023