DCB Bank earnings calls.
Other · 3 quarters tracked · source-linked performance, management guidance and promise context.
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Quarters tracked
3
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3 actual quartersCurrent read
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Across 4 tracked commitments: 0 delivered, 4 missed.
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What changed this quarter?
DCB Bank delivered a strong Q4 FY26 with PAT of ₹726 crore (full year), the highest ever, driven by 18% YoY advances growth and 21% YoY deposit growth. Net interest margin improved to 3.39%, up 12 bps QoQ, aided by lower cost of deposits (down 44 bps YoY) and a shift in product mix away from low-yield co-lending (now 13.9% of book). Asset quality improved to a 7-year low with gross NPA at 2.45% and net NPA at 0.89%, while credit cost fell to 40 bps (below the 45-55 bps model). Management guided for continued NIM improvement through Q2, with deposit repricing benefits and a focus on growing high-quality mortgage and MSME books. Key risk: prolonged West Asia crisis could pressure lower-income borrowers and raise credit costs.
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Signal
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Revenue
Pending
Source date
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Across the record
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