| Margins | NIM expanded to 3.35%; yield on advances impacted by Q1 gold mix. |
|---|---|
| Demand visibility | Strong loan demand across segments; bank is picking and choosing customers. |
| Management confidence | High: focus on consistency, predictability, and time-bound guidance delivery. |
Growth
PAT grew 36% YoY; core fee income rose 31% YoY to INR 175 Cr. GNPA improved to 2.43% (down 55 bps YoY).
Outlook
Management reiterated FY27 ROE guidance of 13.5% and FY28 guidance of 14.5%, while maintaining cost-to-average assets below 2.5%.
Risks
Potential inflation from rising petroleum prices and geopolitical uncertainties. Mortgage book faces higher rundown due to legacy DA book attrition.
Earnings Call Transcript filed with BSE, NSE: DCBBANK. Summary written with AI assistance from the document.
DCB Bank Ltd: key numbers
- Share price
- ₹214.09
- Market cap
- ₹6,898 Cr
- Revenue (annual)
- ₹7,404 Cr
- Net profit (annual)
- ₹731.6 Cr
- P/E (TTM)
- 8.8×Sector 22.0×
- Promoter holding
- 16.23%+0.00% QoQ
- FII holding
- 13.48%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from DCB Bank Ltd
All →DCB Bank Regulatory Approval
RBI approved ICICI Prudential AMC to acquire up to 9.95% of DCB Bank's equity. The approval is conditional and lapses if not exercised within one year.
DCB Bank Investor Presentation: Key Takeaways
DCB Bank reported Q1 FY27 PAT of INR 213 Cr, up 35.57% Y-o-Y, with advances growing 17.06% to INR 59,951 Cr. Strategy focuses on secured lending and granular deposits.
DCB Bank Q1 FY27 Results: Net Profit ₹213 Cr, Up 35.7% YoY
DCB Bank Ltd reported revenue from operations of ₹1,984 Cr (+9.4% YoY) and net profit of ₹213 Cr (+35.7% YoY) for Q1 FY27.
- Key figure
- Net profit ₹213 Cr · +35.7% YoY
DCB Bank Q1 FY27 Results: Net Profit ₹213.2 Cr, Up 35.5% YoY
DCB Bank Ltd reported revenue from operations of ₹1,984 Cr (+9.4% YoY) and net profit of ₹213.2 Cr (+35.5% YoY) for Q1 FY27.
- Key figure
- Net profit ₹213.2 Cr · +35.5% YoY
DCB Bank Earnings Call: Key Takeaways
DCB Bank reported record FY26 PAT of ₹732cr and Q4 PAT of ₹206cr, driven by consistent 18% loan growth and improving NIMs (3.39%).