DCB Bank Q2 FY26 Earnings Conference Call Transcript
DCB Bank's Q2 FY26 earnings call transcript reveals strong growth in deposits, advances, and profit, with improved NIM and reduced costs. Management anticipates continued positive performance and aims for higher ROE in coming years.
The strong quarterly results, along with positive management commentary and future guidance, suggest a high positive impact on the company's prospects.
The announcement highlights strong financial performance, including growth in deposits, advances, and profit, along with improved efficiency and positive future outlook.
* DCB Bank's total deposits grew by 18.79% year-on-year to ₹64,777 crore, and total advances grew by 19.14% year-on-year to ₹52,975 crore. * The bank's total interest income increased by 16.22% year-on-year, while total interest expense increased by 15.79% year-on-year. * Cost of deposits decreased from 7.12% to 6.96% between Q1 and Q2, a 16 bps decrease. * Cost of funds also decreased by 17 bps. * NIM increased from 3.2% in June to 3.23% in September quarter. * Core fee income at ₹158 crore is driven by third-party distribution and trade finance. * The bank has reduced its employee base by 9% while growing advances and deposits by 19% year-on-year. * Cost to average assets is now at 2.43%, lower by 32 bps over the same quarter last year. * Credit cost for the quarter is 31 bps, and for the half year, it is about 45 bps. * Promoter stake increased to 16.27% as of October 10, 2025, including profits for the year. * Profit after tax for the quarter grew to ₹184 crore, with an EPS of ₹5.84 and a book value of ₹180.41. * ROE for the half year at 12.39% is the highest first half for the bank in this decade. * Management expects credit costs for the full year not to cross 45 bps. * The bank is aiming for an ROE of 13.5% for FY27 and 14.5% for FY28.
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