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View Plans2-year trend showing revenue, gross profit, and net profit
Development Credit Bank Limited's revenue grew 23.7% to 72.21B and net profit grew 14.8% to 6.15B YoY in FY2025, indicating strong business momentum.
In FY 2025, Development Credit Bank Limited's revenue grew by 23.7% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.
2-year trend showing profitability efficiency
Development Credit Bank Limited's NIM of 3.3% in FY2025 indicates healthy interest spreads.
In FY 2025, Development Credit Bank Limited reported a NIM of 3.31%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.
2-year trend showing asset quality
Development Credit Bank Limited's net NPA ratio of 1.1% in FY2025 indicates healthy asset quality.
In FY 2025, Development Credit Bank Limited reported a net NPA ratio of 1.12%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.
2-year trend showing profitability efficiency
Development Credit Bank Limited's ROA of 0.8% in FY2025 indicates moderate asset utilisation, with ROE at 10.8%.
In FY 2025, Development Credit Bank Limited reported an ROA of 0.80% and an ROE of 10.8%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.
2-year trend showing liquidity and lending efficiency
Development Credit Bank Limited's loan-to-deposit ratio of 85.0% in FY2025 indicates slightly above optimal but within manageable range.
In FY 2025, Development Credit Bank Limited reported a loan-to-deposit ratio of 85.0%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.
2-year trend showing capital structure efficiency
Development Credit Bank Limited's financial leverage of 13.5x in FY2025 indicates well-balanced capital structure within typical banking norms.
In FY 2025, Development Credit Bank Limited reported a financial leverage ratio of 13.5x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.
2-year trend showing leverage and financial stability
Development Credit Bank Limited's borrowings-to-networth ratio of 160.2% in FY2025 indicates elevated borrowings that warrant monitoring.
In FY 2025, Development Credit Bank Limited reported a borrowings-to-networth ratio of 160.2%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.
Year-over-year change in diluted shares outstanding
Development Credit Bank Limited's diluted shares increased 0.1% YoY in FY2025 — share dilution.
Over 2 years (FY2024–FY2025), diluted shares increased 0.1% from 315.42M to 315.73M, indicating cumulative dilution.
In FY 2025, Development Credit Bank Limited's diluted shares increased by 0.1% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2025