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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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

1,671.05

1,568.40

1,489.25

1,444.60

1,374.10

1,305.60

1,237.74

Income On Investments

334.74

325.72

308.59

288.56

275.17

249.43

236.76

Interest On Balances With Rbi Other Inter Bank Funds

6.69

8.95

7.66

6.37

8.27

7.24

10.26

Interest / Discount On Advances / Bills

1,322.42

1,226.23

1,165.37

1,138.58

1,081.27

1,038.69

979.42

Others

7.20

7.50

7.63

11.09

9.39

10.24

11.30

Other Income

184.05

204.64

143.00

136.22

123.72

107.35

106.94

Total Income

1,855.10

1,773.04

1,632.25

1,580.82

1,497.82

1,412.95

1,344.68

Interest Expended

1,128.18

1,059.24

992.67

937.12

900.11

829.89

767.02

Net Interest Income

542.87

509.16

496.58

507.48

473.99

475.71

470.72

Total Expenditure (Excl Depreciation)

455.81

458.68

434.21

409.95

386.20

372.54

368.99

Employee Cost

231.18

235.13

225.32

211.90

198.44

188.93

195.06

Other Operating Expenses

224.63

223.55

208.89

198.05

187.76

183.61

173.93

Operating Profit Before Provisions and Contingencies

271.11

255.12

205.37

233.75

211.51

210.52

208.67

Exceptional Items

0.00

Provisions and contingencies

67.18

45.60

28.39

24.08

41.00

39.68

37.73

Profit Before Tax

203.93

209.52

176.98

209.67

170.51

170.84

170.94

Tax

52.49

54.05

45.62

53.99

43.93

44.05

44.01

Profit After Tax

151.44

155.47

131.36

155.68

126.58

126.79

126.93

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

151.44

155.47

131.36

155.68

126.58

126.79

126.93

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

4.83

4.96

4.19

4.98

4.06

4.07

Diluted Earnings per share

4.79

4.92

4.16

4.93

4.02

4.03

Operating Profit Margin (Excl OI)

68.7%

67.85%

68.94%

69.96%

68.91%

68.43%

67.14%

Gross Profit Margin

12.2%

13.36%

11.88%

14.51%

12.41%

13.09%

13.81%

PAT Margin

9.06%

9.91%

8.82%

10.78%

9.21%

9.71%

10.25%

Net Interest Margin

3.3%

3.27%

3.39%

3.62%

3.48%

3.69%

3.83%

Return on Assets

0.0%

CASA (%)

25.09%

25.61%

25.41%

26.02%

26.13%

25.04%

25.97%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.29%

15.55%

15.95%

16.59%

15.72%

16.55%

17.09%

Capital Adequacy Ratio (Tier 1)

13.54%

13.65%

14.0%

14.53%

13.69%

14.28%

14.78%

Provision Coverage Ratio (%)

74.76%

75.62%

76.0%

77.3%

76.42%

75.49%

77.07%

Amount of Gross NPAs

1,517.18

1,496.64

1,434.55

1,353.47

1,367.62

1,281.25

1,181.38

Amount of Net NPAs

562.45

521.28

499.22

454.33

476.85

476.43

423.89

% of Net NPAs

1.18%

1.17%

1.18%

1.11%

1.22%

1.28%

1.19%

% of Gross NPAs

3.11%

3.29%

3.33%

3.23%

3.43%

3.36%

3.26%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

430.0

428.0

418.0

416.0

414.0

409.0

Number of Branches

457.0

451.0

445.0

442.0

440.0

439.0

436.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 6.54% vs 5.31% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is -2.59% vs 18.35% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is 6.27% vs 24.22% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is 0.01% vs -0.01% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is -0.18% vs -0.04% in Sep 2024

Compare Quarterly Results Of DCB Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,671.05

7,829.14

-6,158.09

-78.66%

Income On Investments

334.74

1,416.82

-1,082.08

-76.37%

Interest On Balances With Rbi Other Inter Bank Funds

6.69

120.48

-113.79

-94.45%

Interest / Discount On Advances / Bills

1,322.42

5,904.92

-4,582.50

-77.6%

Others

7.20

386.92

-379.72

-98.14%

Other Income

184.05

1,512.01

-1,327.96

-87.83%

Total Income

1,855.10

9,341.15

-7,486.05

-80.14%

Interest Expended

1,128.18

5,605.62

-4,477.44

-79.87%

Net Interest Income

542.87

2,223.52

-1,680.65

-75.59%

Total Expenditure (Excl Depreciation)

455.81

2,656.51

-2,200.70

-82.84%

Employee Cost

231.18

1,003.87

-772.69

-76.97%

Other Operating Expenses

224.63

1,652.64

-1,428.01

-86.41%

Operating Profit Before Provisions and Contingencies

271.11

1,079.02

-807.91

-74.87%

Exceptional Items

0.00

Provisions and contingencies

67.18

258.68

-191.50

-74.03%

Profit Before Tax

203.93

820.34

-616.41

-75.14%

Tax

52.49

208.07

-155.58

-74.77%

Profit After Tax

151.44

612.27

-460.83

-75.27%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

151.44

612.27

-460.83

-75.27%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.83

0.20

4.63

2315.0%

Diluted Earnings per share

4.79

0.19

4.60

2421.05%

Operating Profit Margin (Excl OI)

68.70%

62.76%

0.00

5.94%

Gross Profit Margin

12.20%

10.48%

0.00

1.72%

PAT Margin

9.06%

7.82%

0.00

1.24%

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%

Quarterly - Interest Earned

Interest Earned 1671.05 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 6.54% vs 5.31% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 21.61% vs 28.21% in Dec 2023

Quarterly - Net Profit

Net Profit 151.44 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -2.59% vs 18.35% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 19.64% vs 11.18% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 271.11 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 6.27% vs 24.22% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 28.18% vs 8.96% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 1.18%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.01% vs -0.01% in Sep 2024

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

Quarterly - % of Gross NPAs

% of Gross NPAs 3.11%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.18% vs -0.04% in Sep 2024

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