| Margins | NIM 3.25% in Q2FY27; cost-to-income 59.64% |
|---|---|
| Demand visibility | Retail mortgages +9%, construction finance +6% YoY |
Growth
PAT +28.54% YoY; advances +21.05% (Corporates +42.7%, Gold Loans +142.3%, Co-lending -11.4%). Deposits +18.62%; CASA 22.30%.
Outlook
Targets: GNPA below 2.50%, NNPA 1.00%, cost-to-income 60% or below, ROA 1% or above, ROE 13.5% FY27, 14.5% FY28.
Risks
Co-lending -11.4% YoY; Commercial Vehicle -49.2%; CASA fell to 22.30% from 23.52%; fresh slippage ratio rose to 2.94%.
Last quarter's promises, checked
Delivered
- GNPA <2.5% → 2.29% (= BEAT)
- NNPA <1.0% → 0.73% (= BEAT)
- ROE 13.5% FY27 → 14.60% quarterly (= BEAT)
Missed
- NIM to rise in Q2 from 3.35% → 3.25% (= MISS)
- Mortgage growth 22-23% if disbursals kept +30-35% → Mortgages +11.7% YoY (= MISS)
- Co-lending ~13-14% growth → -11.4% YoY (= MISS)
Investor Presentation filed with BSE, 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 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 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.