DCB Bank Limited — Investor Meet, 05-08-2025: Analysts/Institutional Investor Meet/Con. Call Updates

DCB Bank delivered a strong Q1 FY26, with deposits growing 20% and assets 21% year-on-year, marking the fourth consecutive quarter of robust balance sheet expansion. Profit after tax increased by 19.72%. The bank achieved its highest-ever operating profit and fee income. Despite significant rate cuts, NIM saw a minimal 9 basis points reduction due to effective cost of funds management. The bank proactively made 100% provisions for MFI and unsecured DA NPAs as of March 31, 2025, impacting Q1 credit cost (59 bps), but expects future credit cost to normalize below 45 bps. Strategic focus remains on becoming a full financial solution provider for self-employed customers and driving paperless operations, anticipating continued 20% growth. Promoter funding approval is expected soon.