| Management target | Revenue 20.0% FY27 |
|---|
| Revenue growth | Net Interest Income grew 17% YoY; total revenue up 21%. |
|---|---|
| Margins | NIMs compressed slightly due to excess liquidity; expected to improve in Q3. |
| Demand visibility | Strong demand in Mortgages, LAP, and Gold Loans; rural remains resilient. |
| Management confidence | Highly confident, emphasizing consistency and hitting guided milestones early. |
Growth
Advances grew 21% YoY; deposits up 19%. Record PAT of ₹236 Cr.
Outlook
Management maintains 18-20% growth guidance and targets ROE above 13.5% for FY27.
Risks
NIM compression due to excess liquidity and high-cost deposit run-off remains a monitorable.
Last quarter's promises, checked
Delivered
- ROE >13.5% FY27 → Q1 13.61% (= BEAT)
- GNPA <2.5% → 2.43% Q1, 23-qtr low Q2 (= BEAT)
- Cost/avg assets <2.5% → 2.42% Q1 (= BEAT)
Partly delivered
- ₹2,000 Cr raise, 'no urgency' → raise planned pre-next call (= PARTIAL)
- ECL live April → implementation underway, go-live unconfirmed (= PARTIAL)
Missed
- NIM up from Q2 (Q1 3.35%) → NIM compressed slightly, lift pushed to Q3 (= MISS)
Earnings Call Transcript filed with NSE, NSE: DCBBANK. Summary written with AI assistance from the document.
DCB Bank Ltd: key numbers
- Share price
- ₹191.73
- Market cap
- ₹6,177 Cr
- Revenue (annual)
- ₹7,404 Cr
- Net profit (annual)
- ₹731.6 Cr
- P/E (TTM)
- 7.3×Sector 19.7×
- 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 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 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.
DCB Bank Q2 FY27 Results: Net Profit ₹236.4 Cr, Up 28.5% YoY
DCB Bank Ltd reported revenue from operations of ₹2,050 Cr (+12.5% YoY) and net profit of ₹236.4 Cr (+28.5% YoY) for Q2 FY27.
- Key figure
- Net profit ₹236.4 Cr · +28.5% YoY
DCB Bank Debt & Borrowing
DCB Bank has fixed November 3, 2026, as the record date for the annual interest payment on its unsecured subordinated Tier II bonds.
DCB Bank Board Meeting Date
DCB Bank Limited will hold a board meeting on October 23, 2026, to consider and approve the unaudited financial results for the quarter and half-year ended September 2026.