DCB Bank Q3 results: Net profit surges 22% on strong advances and deposits growth

Private sector lender DCB Bank Ltd on Friday (January 23) reported a net profit of ₹184 crore for the third quarter, up 21.8% from ₹151 crore in the year-ago period. Net interest income (NII) grew 14.9% to ₹624 crore from ₹543 crore a year earlier.

The bank’s asset quality showed improvement, with gross NPA at 2.72% compared with 2.91% in the previous quarter, while net NPA declined to 1.10% from 1.21% sequentially. The provision coverage ratio (PCR) as of December 31, 2025, stood at 75.35%, and the PCR excluding gold loan NPAs was 76.06%.

DCB Bank reported year-on-year advances growth of 18% and deposits growth of 20%, reflecting continued balance sheet expansion. Capital adequacy remained strong, with the Capital Adequacy Ratio at 15.84%, including Tier I at 13.45% and Tier II at 2.39%, in line with Basel III norms.

Also Read: DCB Bank Q2 net profit rises 18% YoY to ₹184 crore; asset quality improves

Praveen Kutty, Managing Director and CEO, said, "The growth momentum in both advances and deposits continues to be robust. As indicated in the last quarter, the NIM continues its upward trend in this quarter as well.

Fee income momentum continues to remain strong. Credit costs remain benign with slippages reducing and GNPA & NNPA at their three-year lows. The Bank has registered the highest ever quarterly PAT, despite taking a one-time impact of ₹26.87 crore on account of the 'New Labour Codes'."

Shares of DCB Bank Ltd ended at ₹182.60, down by ₹6.25, or 3.31%, on the BSE.

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