Summary

DCB Bank announced strong financial results for FY 2026 and Q4 FY 2026, with Profit After Tax growing by 19% to ₹732 Cr. for the full year and 16% to ₹206 Cr. for the quarter. The bank experienced significant year-on-year growth in both advances, up 18%, and deposits, up 21%. A key highlight was the improvement in asset quality, with Gross NPA at 2.45% and Net NPA at 0.89% as of March 31, 2026, reaching seven-year end lows, which contributed to the highest ever quarterly PAT. Managing Director & CEO, Mr. Praveen Kutty, noted continued strong growth momentum and an upward trend in Net Interest Margin, supported by lower cost of deposits and strengthened core fee income.

Key Highlights

1. 1

   DCB Bank reported a Profit After Tax (PAT) of ₹206 Cr. for Q4 FY 2026, marking a 16% year-on-year growth compared to ₹177 Cr. in Q4 FY 2025.

2. 2

   For the full Financial Year 2026, PAT stood at ₹732 Cr., an increase of 19% from ₹615 Cr. in FY 2025.

3. 3

   The Bank demonstrated strong balance sheet growth with advances increasing by 18% year-on-year and deposits growing by 21% year-on-year as of March 31, 2026.

4. 4

   Asset quality significantly improved, with Gross NPA at 2.45% and Net NPA at 0.89% as of March 31, 2026, achieving seven-year end lows.

5. 5

   The Provision Coverage Ratio strengthened to 78.42% and the Capital Adequacy Ratio remained robust at 16.55% as of March 31, 2026.

6. 6

   DCB Bank registered its highest ever quarterly Profit After Tax in Q4 FY 2026, driven by strong growth momentum and improved asset quality.