DCB Bank Limited has informed the Exchange about Transcript
DCBBANK · price
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DCB Bank reported its highest-ever quarterly and full-year profits, with Q4 PAT at INR 206 crores and FY26 PAT at INR 732 crores. Net Interest Margin improved to 3.39% in Q4, up 12 basis points quarter-on-quarter, despite a 25 basis point repo rate cut during the year. Loan growth was strong at 18% year-on-year, while deposits grew 21% year-on-year with cost of deposits falling 44 basis points. Asset quality hit multi-year lows — Gross NPA at 2.45% and Net NPA at 0.89% — and full-year credit cost came in at 40 basis points, better than the 45 basis point guidance. The bank plans to raise INR 1,100–1,200 crores in capital during Q2 or Q3 of FY27 to support continued growth, and is targeting 13,000 employees and crossing 500 branches this year.
Record profits, improving margins, and 7-year-low NPAs reinforce positive momentum and could support the stock in the near term. The planned capital raise in H2 FY27 may cause some near-term dilution concerns, and management's caution on West Asia geopolitical risks is a watchpoint for retail investors.