ALFA Finder| 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
- ₹225.44
- Market cap
- ₹7,265 Cr
- Revenue (annual)
- ₹7,404 Cr
- Net profit (annual)
- ₹731.6 Cr
- P/E (TTM)
- 8.7×Sector 20.8×
- Promoter holding
- 16.22%-0.01% QoQ
- FII holding
- 15.47%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 Management Change
DCB Bank's senior executive Jayaram Vishwanath was relieved early and ceased as Senior Management Personnel on November 4, 2026. The exit was brought forward from November 10.
DCB Bank Employee Stock Options
DCB Bank allotted 81,100 equity shares to employees under its ESOP plan on October 30, 2026. Paid-up capital rose to 322,270,512 shares.
DCB Bank Annual General Meeting
DCB Bank seeks shareholder approval via postal ballot to re-appoint Thiyagarajan Kumar as Independent Director for three years. E-voting runs from 27 October to 25 November 2026.
DCB Bank Earnings Call Transcript: Key Takeaways
DCB Bank delivers record quarterly net profit, hitting long-term ROE targets early despite NIM compression.
- Call
- Guides 20% growth
DCB Bank Management Change
DCB Bank's board re-appointed Mr. Praveen Kutty as Managing Director & CEO for three years from April 29, 2027 to April 28, 2030, subject to RBI terms and shareholder approval. No monetary value is involved in this senior management decision.
- Execution
- April 29, 2027 to April 28, 2030
DCB Bank Investor Presentation: Key Takeaways
Q2FY27 PAT INR 236 cr (+28.54% YoY); advances INR 64,127 cr (+21.05%); deposits INR 76,839 cr (+18.62%); GNPA 2.29%, NNPA 0.73%, ROE 14.60%. Secured retail and MSME growth focus.