DCB Bank Limited — PPTs, 24-07-2026: Investor Presentation

DCB Bank delivered a robust Q1 FY27.

1. **Business Performance:** Profit After Tax surged 35.57% YoY to INR 213 crores, fueled by an 18% rise in Net Interest Income. The bank's total business volume now exceeds INR 1,34,000 crores. Advances grew 17.06% to INR 59,951 crores, notably driven by Agri & Inclusive Banking (+23% YoY) and Gold Loans (+96.2% YoY). Deposits also saw strong growth, up 20.06% to INR 74,482 crores.

2. **Growth Drivers/Strategy:** DCB Bank is strategically focusing on expanding its granular, secured small ticket lending across retail mortgages, MSME/SME, and agri segments. Key goals include doubling the balance sheet in 3-4 years and continuous digital innovation.

3. **Recent Developments:** The bank expanded its branch network to 480 and launched digital enhancements like online FORM 121 submission, Voice AI customer support, and a Gold Loan website calculator.

4. **Key Financial Metrics:** Asset quality improved significantly with Gross NPA at 2.43% (down from 2.98% YoY) and Net NPA at 0.84% (down from 1.22% YoY). Provision Coverage Ratio strengthened to 79.81%, while Capital Adequacy remained healthy at 17.03%. ROA stood at 0.96% and ROE at 13.61%.

5. **Management Outlook:** Management targets Gross NPA below 2.50% and Net NPA of 1.00%, aiming for an ROA of 1% or higher. ROE is projected at 13.5% for FY27 and 14.5% for FY28.