Development Credit Bank Financial Statements

Development Credit Bank (DCBBANK) reported revenue of ₹72.21B in FY2025 with net income of ₹6.15B. Total assets stood at ₹768.10B and free cash flow was -₹5.77B.

Development Credit Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		34.58B	35.13B	42.00B	53.62B	64.71B
Other Income		4.58B	4.52B	4.09B	4.74B	7.51B
Total Income		39.17B	39.65B	46.10B	58.36B	72.21B
Interest Exp. Interest Expenditure		21.72B	21.55B	24.83B	34.34B	43.64B
Op. Expense Operating Expense		8.47B	10.13B	13.40B	15.38B	18.20B
Provisions Provisions & Contingencies		5.63B	5.09B	3.21B	3.28B	4.22B
Net Income		3.36B	2.88B	4.66B	5.36B	6.15B
Dil. Shares Diluted Shares		313.71M	312.83M	314.68M	315.42M	315.73M
Diluted EPS		10.70	9.19	14.79	16.99	19.49

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Development Credit Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Development Credit Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		11.83B	31.08B	20.31B	28.67B	25.07B
Loans & adv. Loans & advances		259.59B	290.96B	343.81B	409.25B	510.47B
Investments		84.14B	90.51B	125.82B	162.11B	201.50B
Total assets		396.02B	447.93B	523.66B	630.37B	768.10B
Borrowings		44.82B	40.82B	41.18B	62.19B	91.15B
Deposits		297.04B	346.92B	412.39B	493.53B	600.31B
Total liabilities		358.44B	407.44B	478.00B	579.66B	711.19B
Total equity		37.59B	40.49B	45.66B	50.71B	56.91B
Total liab. & eq. Total liabilities & equity		396.02B	447.93B	523.66B	630.37B	768.10B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Development Credit Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Development Credit Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		4.53B	2.88B	4.66B	53.60B	6.15B
Operating CF Cash flow Operating Activities		-15.02B	16.06B	-15.66B	48.49B	-4.41B
Capex Investments in PPE		-802.55M	-1.57B	-1.67B	-13.52B	-1.36B
Investing CF Cash flow Investing Activities		-793.73M	-1.65B	-1.65B	-185.77B	-27.92B
Dividend Paid		0	0	-311.03M	-389.66M	-391.36M
Financing CF Cash flow Financing Activities		10.75B	-3.98B	81.44M	207.02B	28.65B
Cash (start) Cash at beginning of period		35.46B	30.39B	40.91B	236.84B	30.66B
Cash (end) Cash at end of period		30.39B	40.91B	23.68B	306.59B	26.99B
FCF Free Cash Flow		-15.82B	14.49B	-17.32B	34.97B	-5.77B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Development Credit Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025