DCB Bank Q3 Results FY26: Net Profit Rises to ₹185 Crore, Asset Quality Improves
Mumbai, January 23, 2026: DCB Bank Limited on Friday reported a steady financial performance for the third quarter ended December 31, 2025, with net profit rising to ₹184.74 crore, reflecting resilience in its core banking operations and continued focus on asset quality improvement.
The private sector lender’s net profit remained stable compared to the previous quarter, supported by growth in retail banking, controlled operating expenses, and disciplined risk management.
Key Financial Highlights for Q3 FY26
During the October–December quarter, DCB Bank’s total income increased to ₹2,082.30 crore from ₹2,008.84 crore in the previous quarter. Net interest income remained strong, driven by healthy loan growth and stable margins.
Interest income for the quarter stood at ₹1,860.88 crore, while other income rose to ₹221.42 crore, aided by fee-based services, treasury operations, and foreign exchange earnings.
Operating profit before provisions and contingencies came in at ₹322.84 crore, indicating sustained operating efficiency.
Asset Quality Continues to Improve
DCB Bank reported further improvement in asset quality during the quarter. Gross non-performing assets declined to 2.72 percent, while net NPAs improved to 1.10 percent, reflecting effective recovery mechanisms and prudent credit underwriting.
The bank also maintained adequate provisioning buffers, including floating provisions on advances and investments, strengthening its balance sheet resilience.
Capital Adequacy and Profitability
The bank’s capital adequacy ratio under Basel III norms stood at a comfortable 15.84 percent, providing sufficient headroom for future growth. Return on assets for the quarter was reported at 0.91 percent, reflecting stable profitability.
Earnings per share for the quarter stood at ₹5.76 on a basic basis.
Nine-Month Performance Overview
For the nine months ended December 31, 2025, DCB Bank reported a net profit of ₹525.91 crore, compared to ₹438.27 crore in the corresponding period last year. Total income for the nine-month period rose to ₹6,140.82 crore, driven largely by retail lending growth.
Retail banking continued to be the bank’s largest contributor, accounting for a significant share of total revenue and assets.
Retail Banking Drives Growth
The retail banking segment remained the key growth engine, supported by expansion in home loans, small business lending, and secured retail products. The bank also continued to strengthen its presence in semi-urban and urban markets.
Outlook
DCB Bank’s management remains focused on sustainable growth, asset quality discipline, and capital efficiency. With improving macroeconomic conditions and stable credit demand, the bank is well positioned to deliver consistent performance in the coming quarters.