DCB Bank Ltd
Third Quarter FY 2014 Results
Highlights:
·
DCB Bank Ltd. reported Net Profit of Rs. 36 Cr. In
Q3 FY 2014 as against Net Profit of Rs. 27 Cr. in Q3 FY 2013 and Rs. 33 Cr. in
Q2 FY2014.
·
As on December 31, 2013, the Balance Sheet was at
Rs. 11,989 Cr. as against Rs.9,644 Cr. as on December 31, 2012, a growth rate
of 24%.
·
Retail Deposits (Retail CASA and Retail Term Deposits)
continued to provide a stable resource base to the Bank. Retail Deposits were
at 77% of Total Deposits as on December 31, 2013.
·
CASA ratio as on December 31, 2013 was at 25% as
against 29% as on December 31, 2012.
·
Net Advances grew to Rs. 7,361 Cr. as on December
31, 2013 from Rs. 5,964 Cr. As on December 31, 2012 a growth rate of 23%.
·
Net Interest Margin for Q3 FY 2014 stands at
3.55% as against 3.38% for Q3 FY 2013 and 3.68% in Q2 FY 2014.
·
Capital Adequacy Ratio (CAR) was at 12.86% as on
December 31, 2013 with Tier I at 11.98% and Tier II at 0.88% as per Basel III
norms.
·
The Bank’s branch network increased to 115 branches
from 103 branches in 65 locations as on December 31, 2013.
RESULTS TABLE :
|
DCB BANK
|
31-12-13
|
30-09-13
|
% Dif QoQ
|
30-06-13
|
31-03-13
|
31-12-12
|
% Dif YoY
|
|
Total Income
|
32365.42
|
29608.76
|
9.31
|
30583.9
|
28628.27
|
25832.93
|
25.29
|
|
Total Expenditure
|
27729.56
|
25597.14
|
8.33
|
25451.2
|
24325.11
|
22655.76
|
22.4
|
|
Profit bef.Intt, Dep. & Taxes
|
4635.86
|
4011.62
|
15.56
|
5132.7
|
4303.16
|
3177.17
|
45.91
|
|
Net Profit
|
3636.51
|
3309.05
|
9.9
|
4282.55
|
3411.12
|
2690.93
|
35.14
|
|
Diluted EPS
|
1.44
|
1.31
|
9.92
|
1.7
|
1.35
|
1.1
|
30.91
|
|
Interest on Advances
|
22229.47
|
20519.04
|
8.34
|
20150.31
|
19560.96
|
18071.27
|
23.01
|
|
Income on Investments
|
6347.26
|
5792.95
|
9.57
|
5673.4
|
5537.69
|
4784.23
|
32.67
|
|
Income on Balances With RBI
|
484.26
|
548.47
|
-11.71
|
226.24
|
196.33
|
57.9
|
736.37
|
|
Others
|
20.13
|
21.39
|
-5.89
|
23.69
|
25.55
|
27.51
|
-26.83
|
|
Interest Earned
|
29081.12
|
26881.85
|
8.18
|
26073.64
|
25320.53
|
22940.91
|
26.77
|
|
Other Income
|
3284.3
|
2726.91
|
20.44
|
4510.26
|
3307.74
|
2892.02
|
13.56
|
|
Total Income
|
32365.42
|
29608.76
|
9.31
|
30583.9
|
28628.27
|
25832.93
|
25.29
|
|
Interest Expended
|
19684.55
|
17755.99
|
10.86
|
17761.85
|
17167.99
|
15740.71
|
25.06
|
|
Net Innt Income
|
9396.57
|
9125.86
|
2.97
|
8311.79
|
8152.54
|
7200.2
|
30.5
|
|
Employees Cost
|
3949.54
|
3880.22
|
1.79
|
3769.65
|
3588.35
|
3503.15
|
12.74
|
|
Other Operating Expenses
|
4095.47
|
3960.93
|
3.4
|
3919.7
|
3568.77
|
3411.9
|
20.03
|
|
Operating Expenses
|
8045.01
|
7841.15
|
2.6
|
7689.35
|
7157.12
|
6915.05
|
16.34
|
|
Total Expenditure
|
27729.56
|
25597.14
|
8.33
|
25451.2
|
24325.11
|
22655.76
|
22.4
|
|
Operating Profit
|
4635.86
|
4011.62
|
15.56
|
5132.7
|
4303.16
|
3177.17
|
45.91
|
|
Provisions
|
999.35
|
702.57
|
42.24
|
850.15
|
889.04
|
486.24
|
105.53
|
|
Profit before tax
|
3636.51
|
3309.05
|
9.9
|
4282.55
|
3414.12
|
2690.93
|
35.14
|
|
Net Profit
|
3636.51
|
3309.05
|
9.9
|
4282.55
|
3411.12
|
2690.93
|
35.14
|
|
Face Value
|
10
|
10
|
0
|
10
|
10
|
10
|
0
|
|
Paid-up Equity
|
25027.59
|
25020.71
|
0.03
|
25014.21
|
25011.16
|
25001.53
|
0.1
|
|
Capital Adequacy Ratio
|
12.86
|
13.81
|
-6.88
|
13.89
|
13.61
|
13.71
|
-6.2
|
|
Basic EPS
|
1.45
|
1.32
|
9.85
|
1.71
|
1.36
|
1.11
|
30.63
|
|
Net NPA
|
5704
|
5716
|
-0.21
|
5431
|
4913
|
4350
|
31.13
|
|
% of Net NPA
|
0.77
|
0.86
|
-10.47
|
0.84
|
0.75
|
0.73
|
5.48
|
|
c) Return on Assets
|
1.26
|
1.19
|
5.88
|
1.55
|
1.3
|
1.14
|
10.53
|
|
Public holding (%)
|
81.54
|
81.54
|
0
|
81.53
|
81.53
|
81.52
|
0.02
|
* *
* E N
D * * *
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