DCB Bank Limited — Investor Meet, 01-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

DCB Bank has announced a board meeting to approve the financial results for the quarter and half-year.

FY25 balance sheet grew 22% with 25% loan and 22% deposit growth. Savings accounts rose 19%, NIM steady at 3.28%. Core fee income hit a quarterly record of Rs.161 Cr, supporting ROA despite slight NIM dip. Credit cost improved to 0.33%, gross NPA down to 2.99%, PCR at 74.48%.

Management focuses on granular, higher-yielding loans (LAP, business loans), limits unsecured lending, and plans moderate co-lending aligned with balance sheet growth. Cost controls tightened with cost-to-assets near 2.5%. Capital adequacy remains strong (Tier-1 14.3%), with a capital raise deferred pending better valuations. Growth drivers include tech upgrades and overdraft product push. Margins expected stable, with cautious optimism on profitability and asset quality.