DCB Bank Limited — Investor Meet, 24-10-2025: Analysts/Institutional Investor Meet/Con. Call Updates

DCB Bank reported its highest-ever quarterly profit of INR 184 Cr, with advances up 19.14% and deposits up 18.79% year-on-year. Net Interest Margins (NIMs) improved to 3.23%, and management anticipates further expansion without additional rate cuts. Cost to average assets decreased for the fifth consecutive quarter to 2.43%, driven by strong cost control and a 9% reduction in employees. Credit cost for the quarter was 31 bps, projected to remain below 45 bps for FY26. The bank targets a 13.5% Return on Equity in FY27 and 14.5% in FY28, with no immediate capital raising required. Strategic focus includes prudent growth and enhancing customer cross-selling. Management expressed confidence in future performance.