DCB Bank Limited — Investor Meet, 30-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

DCB Bank reported robust Q3 FY'26 results with customer advances up 18.46% and deposits up 19.54% YoY. Net Profit hit a record INR 184.74 Cr, even with a one-time INR 26.87 Cr impact from a new labor code. NIM rose to 3.27% as deposit costs fell. Asset quality improved sharply, with GNPA at 2.72% and Net NPA at 1.1%, both multi-quarter lows. Management expects sustained 18-20% growth and reaffirmed FY'27/FY'28 ROE targets of 13.5%/14.5%. Focus remains on organic sourcing, digital efficiency, and building fee income from diversified sources, systematically strengthening its business foundation.