INTEGRATED FILING — BANKING



General information about company

Scrip code 532772
NSE Symbol DCBBANK
MSEI Symbol NOTLISTED
ISIN INE503A01015
Name of bank DCB BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 31-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 22-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 31-Jul-2025   11:30:00
End date and time of board meeting 31-Jul-2025   12:15:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
There is no default.


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 14302800000 14302800000
Income on investments 3678500000 3678500000
Interest on balances with reserve bank of India and other inter bank funds 84600000 84600000
Others 69800000 69800000
Total interest earned 18135700000 18135700000
2 Other income 2361200000 2361200000
3 Total income 20496900000 20496900000
Expenses
4 Interest expenses 12331300000 12331300000
5 Operating expenses
(i) Employees cost 2510400000 2510400000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent, Taxes and Lighting 400400000 400400000
2 Printing and Stationery 25600000 25600000
3 Advertisement and Publicity 11700000 11700000
4 Depreciation on Bank's property 269300000 269300000
5 Directors' Fees, Allowances and Expenses 6500000 6500000
6 Auditors' Fees and Expenses 8200000 8200000
7 Law Charges 42100000 42100000
8 Postages,Telegrams,Telephones etc. 55600000 55600000
9 Repairs and Maintenance 180400000 180400000
10 Other Expenditure & Insurance 1386500000 1386500000
Total other operating Expenses 2386300000 2386300000
Total Operating Expenses 4896700000 4896700000
6 Total expenditure excluding provisions and contingencies 17228000000 17228000000
7 Operating profit before provision and contingencies 3268900000 3268900000
8 Provisions other than tax and contingencies 1151400000 1151400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 2117500000 2117500000
11 Provision for Tax 544900000 544900000
12 Net profit (loss) from ordinary activities after tax 1572600000 1572600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 1572600000 1572600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 1572600000 1572600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 3144700000 3144700000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 14.2 14.2
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 5 5
Diluted earnings per share before extraordinary items 4.97 4.97
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 5 5
Diluted earnings per share after extraordinary items 4.97 4.97
(iv) NPA Ratios
Amount of gross non-performing assets 15536300000 15536300000
Amount of net non-performing assets 6254000000 6254000000
% of gross NPAs 2.98 2.98
% of net NPAs 1.22 1.22
Return on assets 0.81 0.81
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 5835100000 5835100000
2 Corporate / Wholesale Banking 1263500000 1263500000
3 Retail Banking 16128200000 16128200000
4 Other Banking Operations 389100000 389100000
5 Unallocable 400000 400000
Total Segment Revenue 23616300000 23616300000
Less: Inter segment revenue 3119400000
Income from operations 20496900000 20496900000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 1204700000 1204700000
2 Corporate / Wholesale Banking 55100000 55100000
3 Retail Banking 574000000 574000000
4 Other Banking Operations 367500000 367500000
5 Unallocable -83800000 -83800000
Total Profit before tax 2117500000 2117500000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 2117500000 2117500000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 243079600000 243079600000
2 Corporate / Wholesale Banking 45578800000 45578800000
3 Retail Banking 479614700000 479614700000
4 Other Banking Operations 0 0
5 Unallocable 5672900000 5672900000
6 Treasury Operations 243079600000 243079600000
7 Corporate / Wholesale Banking 45578800000 45578800000
8 Retail Banking 479614700000 479614700000
9 Other Banking Operations 0 0
10 Unallocable 5672900000 5672900000
Total Segment Assets 773946000000 773946000000
Un-allocable Assets 0 0
Net Segment Assets 773946000000 773946000000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 162004500000 162004500000
2 Corporate / Wholesale Banking 44019300000 44019300000
3 Retail Banking 509504800000 509504800000
4 Other Banking Operations 19500000 19500000
5 Unallocable 0 0
6 Treasury Operations 162004500000 162004500000
7 Corporate / Wholesale Banking 44019300000 44019300000
8 Retail Banking 509504800000 509504800000
9 Other Banking Operations 19500000 19500000
10 Unallocable 0 0
Total Segment Liabilities 715548100000 715548100000
Un-allocable Liabilities 0 0
Net Segment Liabilities 715548100000 715548100000
Disclosure of notes on segments