Key Financial Performance Highlights (FY 2025-26)

  • Profit After Tax: ₹732 Crore (up 18.89% YoY) - Highest in Bank's history
  • Advances: ₹60,022 Crore (up 17.58% YoY)
  • Deposits: ₹72,583 Crore (up 20.91% YoY)
  • Net Interest Income: ₹2,457 Crore (up 16.61% YoY)
  • Operating Profit: ₹1,296 Crore (up 25% YoY)
  • Return on Equity: 12.77% (highest since becoming full tax-paying entity)
  • Basic EPS: ₹23.01 (up from ₹19.63)

Asset Quality & Capital Metrics

  • Gross NPA: 2.45% (lowest in seven years, down 54 bps YoY)
  • Net NPA: 0.89% (lowest in seven years, down 23 bps YoY)
  • Provision Coverage Ratio: 78.42% (improved by 394 bps YoY)
  • Capital Adequacy Ratio: 16.55% (Tier I: 14.26%)
  • Total Risk Weighted Assets: ₹43,231.50 crore

Dividend Declaration & Capital Structure

  • Recommended dividend of ₹1.45 per equity share (face value ₹10) for FY 2025-26
  • Subject to approval at the 31st Annual General Meeting on July 3, 2026
  • Issued Capital: ₹3.22 billion (32,19,01,777 shares)
  • Promoter Capital Infusion: ₹83 Crore through preferential allotment to Aga Khan Fund
  • ESOP Plans: Expanded to 10% of share capital with 4,556,065 options outstanding

Operational & Business Highlights

  • Branch Network: 480 branches (added 16 during FY26) with 11,374 employees
  • Digital Transactions: 96% of total transactions, 122 million UPI transactions processed
  • CASA Ratio: 22.38% (₹16,247 Crore)
  • Business Segments: Mortgages (49% of portfolio), Agri & Inclusive Banking (23.5%), Gold Loans (up 56.7% YoY)
  • Fee Income: ₹671 Crore (up 20.9% YoY) with 1.06% of average assets

Regulatory Compliance & Penalties

  • RBI Penalties: ₹29.6 million total for non-compliance with gold loan directions and other violations
  • Consumer Court Penalties: ₹1.44 million across various cases
  • Customer Complaints: 19,839 (down 19.76% YoY) with top categories being Loans & Advances and ATM/Debit Cards
  • No material qualifications in audit reports and no frauds reported under Section 143(12)

ESG & Sustainability Performance

  • CSR Expenditure: ₹14.74 crore reaching 215,500 beneficiaries
  • Environmental Performance: 35.41% reduction in energy consumption, 30.17% reduction in emission intensity
  • Employee Training: 93.35% coverage on human rights policies, 34 average learning hours per employee
  • Governance: 100% Board-approved policy framework covering all 9 NGRBC Principles
  • Material Issues: Identified 16 material ESG issues including climate change, financial inclusion, and data security

Strategic Initiatives & Forward Outlook

  • Focus on transitioning from 'Lender to Banker' for self-employed customers with target 18-20% annual advances growth
  • Expand mid-SME segment to 10 locations and maintain Net NPA below 1%
  • Technology Innovation: DCB Technology Innovation Centre driving AI solutions, CUBE platform processing 162,000 applications
  • New Product Launches: Multi-Signatory UPI, Simplified IMPS, WhatsApp Banking, and secured credit cards
  • Expect to double book in 3-4 years through consistent, sustainable growth while maintaining credit costs within 45-55 bps range

Corporate Governance & Appointments

  • Board Composition: 14 Directors (9 Independent, 3 Non-Executive Non-Independent, 2 Executive) with 13 meetings held
  • Director Changes: Multiple changes including appointments of Ms. Neeta Sudhir Rege, Mr. Suhail Nathani, Mr. Pushan Mahapatra as Independent Directors
  • Reappointment: Mr. Krishnan Sridhar Seshadri as Whole-time Director for one year from June 13, 2026
  • Auditor Appointments: M/s Deloitte Haskins & Sells as Joint Statutory Auditors for 3 years from FY 2026-27

AGM Details

  • Date: July 3, 2026 at 2:30 PM IST via Video Conferencing
  • Record Date for Dividend: June 12, 2026
  • Dividend Payment: On or after July 4, 2026 (if approved)
  • Agenda Items: Adoption of financial statements, dividend declaration, director reappointments, fund raising approvals