DCB Bank credit ratings reaffirmed by CARE Ratings
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CARE Ratings reaffirmed DCB Bank's ratings: CARE AA- Stable for 400 crore rupee Tier II Bonds, CARE A1+ for 2,000 crore rupee Certificate of Deposit, and CARE A1+ for Short-Term Fixed Deposit. Reaffirmation reflects comfortable capitalisation (CAR 16.55%), improving asset quality (GNPA fell to 2.45% from 2.99%, NNPA at 0.89%), and steady profitability (PAT 732 crore in FY26 versus 615 crore in FY25). Constraints include moderate resource profile with low CASA at 22.38% and modest overall scale. Outlook remains Stable.
Ratings unchanged at Stable outlook - reflects steady financial position and improving asset quality. No negative triggers.