DCB Bank (DCBBANK) Q4 24/25 earnings summary

Executive summary

• Achieved advances growth of 24.73% YoY and deposits growth of 22% YoY, with balance sheet size surpassing ₹76,809.78 crore (+21.85% YoY).

• Net profit for FY25 reached ₹615.33 crore (+15% YoY), with Q4FY25 PAT at ₹177 crore (+14% YoY).

• NIM stabilized at 3.28% in Q4, with a CASA ratio of 24.52%.

• Core fee income for Q4FY25 was INR 161 crore, with consistent growth over the last five quarters.

• Dividend of ₹1.35 per equity share recommended, subject to shareholder approval.

Financial highlights

• Net interest income for FY25 grew 9% YoY to INR 2,107 crore; other income surged 58% YoY to INR 750 crore.

• Operating profit before provisions for FY25 was ₹1,655.31 crore, up from ₹1,347.07 crore in FY24.

• Gross NPA at 2.99%, Net NPA at 1.12% as of March 31, 2025.

• Provision coverage ratio at 74.48%.

• Credit cost for Q4FY25 at 0.36%, with provision cost for the year at 0.31%.

Outlook and guidance

• Board approved enabling resolution for fund raising to support future growth.

• Focus on secured, granular assets and organic loan growth; no plans to enter unsecured lending.

• NIM expected to remain stable, but further repo rate cuts could compress margins.

• Targets GNPA below 2.50% and NNPA at 1.00% in the near term.

• ROA target of 1%+ and ROE closer to 14%.