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DCB Bank Limited — PPTs, 23-01-2026: Investor Presentation
DCB Bank reported robust Q3 FY26 results: Profit After Tax (PAT) up 22% year-on-year to INR 185 Cr. Advances grew 18.5% to INR 56,600 Cr, with Deposits up 19.5% to INR 67,754 Cr. Asset quality improved, with Gross NPAs at 2.72% and Net NPAs at 1.10%. Co-lending jumped 66% and Construction Finance 21%, showing strong segment momentum.
Strategy centers on secured, small-ticket lending to self-employed, MSME, and retail segments, aiming to double the balance sheet in 3-4 years. Digital initiatives and fintech partnerships are key growth drivers.
Recent highlights include launching 13 new digital services (like Simplified IMPS and WhatsApp banking for deposits) and showcasing innovation at Tech Pulse 2025. The bank also expanded its network to 469 branches.
Key Q3 metrics: PAT: ₹185 Cr | Advances: ₹56,600 Cr | Deposits: ₹67,754 Cr | GNPA: 2.72% | NNPA: 1.10% | CASA: 22.77% | ROA: 0.91% | ROE: 12.73%.
Management projects strong future growth, targeting Gross NPA below 2.50% and Net NPA at 1.00%, with a near-term ROA of 1%+ and ROE of 13.5% by FY27.