DCB Bank delivered robust financial results for the fourth quarter, with net profit rising 16% to ₹206 crore compared to the same period last year. According to reports from Mint, the bank's quarterly performance showed significant improvement in profitability metrics during the December quarter. For the full year FY26, net profit rose 19% to ₹732 crore compared to ₹615 crore in FY25, highlighting consistent earnings momentum and the bank's ability to maintain strong operational efficiency.
A key highlight of the year was the sharp improvement in asset quality, with Gross Non-Performing Assets (GNPA) declining to 2.45% and Net NPA standing at 0.89%—both at seven-year lows. This reflects stronger underwriting standards and effective recovery mechanisms, improving overall balance sheet health. The improved asset quality demonstrates the bank's enhanced risk management capabilities and better credit assessment processes across its lending portfolio.
The bank maintained solid growth across its core segments, with advances growing 18% year-on-year, driven by diversified lending including co-lending up 25% and agri-banking up 19%. This indicates sustained demand across retail and priority sectors. On the liabilities side, deposits increased 21% year-on-year to ₹72,583 crore, supporting balance sheet expansion. Total assets crossed ₹88,000 crore, underlining steady scale-up in operations and the bank's continued expansion strategy.
DCB Bank remains well-capitalised, with a Capital Adequacy Ratio of 16.55% and a Provision Coverage Ratio of 78.42%. These metrics provide a strong buffer for future growth while maintaining risk discipline. The bank continues to expand its footprint, operating through around 480 branches, with a focus on enhancing its "new generation" banking infrastructure and digital capabilities. Managing Director & CEO Praveen Kutty attributed the performance to improved Net Interest Margin (NIM), supported by better deposit cost management and growth in core fee income.
