DCB Bank Limited — PPTs, 17-10-2025: Investor Presentation

**1. Business Performance:**

DCB Bank posted strong Q2 FY26 results: Profit After Tax surged 18.3% to INR 184 Cr. Advances grew 19.1% to INR 52,975 Cr; Deposits rose 18.8% to INR 64,777 Cr. Co-lending (+139%) and Construction Finance (+25%) were strong drivers. Gross NPA improved to 2.91%.

**2. Growth Drivers or Strategy:**

The bank emphasizes secured, small-ticket lending for self-employed and MSMEs. Priorities include expanding its branch network, growing retail deposits, and continuous digital transformation for efficiency and customer engagement.

**3. Recent Developments:**

DCB Bank unveiled 13 new digital products at the Global Fintech Fest, reinforcing its digital leadership. Promoters (AKFED) increased their stake to 16.27% through an INR 83 Cr preferential allotment.

**4. Key Financial Metrics:**

For Q2 FY26, ROA was 0.94%, ROE 13.20%. Net NPA stood at 1.21%, with CASA at 23.52%.

**5. Management Commentary / Outlook:**

Management targets doubling the Balance Sheet in 3-4 years. Near-term aims include ROA >1%, ROE ~14%, and reducing Gross NPA <2.5% (Net NPA to 1%). Mortgages, MSME/SME, and co-lending are expected to be primary growth engines.