Profit was helped by a rise in both interest and fee income. Total interest income increased 19% to Rs 9295 crore in the year ended March 2025 from Rs 7837 crore a year ago. Other income which consists of income from fees and treasury increased more sharply by 32% to Rs 2037 crore from Rs 1547 crore a year ago.
DBS is one of two foreign banks which has a local subsidiary. In 2020, it acquired the troubled Lakshmi Vilas Bank, giving it a vast network of branches across the country, especially in the South.
The bank which has close to 500 branches across India said its total assets in India increased 8% to Rs 1.40 lakh crore from Rs 1.30 lakh crore a year ago. Total assets included a loan book of Rs 55,360 crore in the year ended March 2025 up 3% to Rs 53,869 crore in the year ended March 2024. Loans to industry and services are the two of the largest components in the bank’s balance, together making up about 28% of the bank’s loan book.
Asset quality remained stable with gross NPA at 2.78% of total loans down from 3.33% a year ago. The bank’s capital adequacy ratio was at 16.81% in March 2025 up from 15.75% a year ago.
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