DCB is strongly capitalized with CAR & tier I ratio of 13.6% and 12.6% respectively, more-than-commensurate to meet its balance sheet expansion plan and Basel III norms.
(Rs mn) | Q4 FY13 | Q3 FY13 | % qoq | Q4 FY12 | % yoy |
Total Interest Income | 2,532 | 2,294 | 10.4 | 1,933 | 31.0 |
Interest expended | (1,717) | (1,574) | 9.1 | (1,363) | 26.0 |
Net Interest Income | 815 | 720 | 13.2 | 571 | 42.9 |
Other income | 331 | 289 | 14.4 | 299 | 10.6 |
Total Income | 1,146 | 1,009 | 13.6 | 870 | 31.8 |
Operating expenses | (716) | (692) | 3.5 | (630) | 13.5 |
Provisions | (89) | (49) | 82.8 | (66) | 34.4 |
PBT | 341 | 269 | 27.0 | 173 | 97.2 |
Tax | - | - | - | - | - |
Reported PAT | 341 | 269 | 27.0 | 173 | 97.2 |
EPS | 5.5 | 4.3 | 26.9 | 2.9 | 89.8 |
Key Ratios | Q4 FY13 | Q3 FY13 | chg qoq | Q4 FY12 | chg yoy |
NIM (%) | 3.5 | 3.4 | 0.1 | 3.1 | 0.4 |
Yield on Advances (%) | 12.8 | 12.7 | 0.1 | 12.9 | (0.1) |
Cost of Funds (%) | 7.8 | 7.7 | 0.1 | 7.6 | 0.3 |
CASA (%) | 27.2 | 28.9 | (1.7) | 32.1 | (5.0) |
C/D (x) | 78.7 | 78.9 | (0.2) | 83.4 | (4.7) |
Non-interest income (%) | 40.6 | 40.2 | 0.4 | 52.4 | (11.9) |
Non-interest in/Int exp (%) | 19.3 | 18.4 | 0.9 | 22.0 | (2.7) |
Cost to Income (%) | 62.5 | 68.5 | (6.1) | 72.5 | (10.0) |
Provisions/Avg Advances (%) | 0.6 | 0.3 | 0.2 | 0.6 | 0.0 |
RoA (%) | 1.3 | 1.1 | 0.2 | 0.6 | 0.7 |
CAR (%) | 13.6 | 13.7 | (0.1) | 15.4 | (1.8) |
Gross NPA (%) | 3.2 | 3.8 | (0.6) | 4.4 | (1.2) |
Net NPA (%) | 0.8 | 0.7 | 0.0 | 0.6 | 0.2 |