DCB Bank Ltd
NSE:DCBBANK
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DCB Bank Ltd
DCB Bank Ltd. provides various banking and financial products and services in India. The company is headquartered in Mumbai, Maharashtra and currently employs 8,077 full-time employees. The company went IPO on 2006-10-21. The Bank is engaged in providing banking and financial services. The Bank operates through four segments: Treasury Operations, Wholesale Banking, Retail Banking and Other Banking Operations. Treasury Operations segment includes all financial markets activities undertaken on behalf of the Bank’s customers, trading, maintenance of reserve requirements and resource mobilization from other banks and financial institutions. The Wholesale Banking segment includes lending, deposit-taking and other services offered to corporate customers. Retail Banking segment includes lending, deposit-taking and other services offered to retail customers. Other Banking Operations segment includes para banking activities, such as third-party product distribution, merchant banking and other.
DCB Bank Ltd. provides various banking and financial products and services in India. The company is headquartered in Mumbai, Maharashtra and currently employs 8,077 full-time employees. The company went IPO on 2006-10-21. The Bank is engaged in providing banking and financial services. The Bank operates through four segments: Treasury Operations, Wholesale Banking, Retail Banking and Other Banking Operations. Treasury Operations segment includes all financial markets activities undertaken on behalf of the Bank’s customers, trading, maintenance of reserve requirements and resource mobilization from other banks and financial institutions. The Wholesale Banking segment includes lending, deposit-taking and other services offered to corporate customers. Retail Banking segment includes lending, deposit-taking and other services offered to retail customers. Other Banking Operations segment includes para banking activities, such as third-party product distribution, merchant banking and other.
Strong Growth: Customer advances grew 18.46% and customer deposits rose 19.54% year-on-year, showing robust momentum.
Profitability: Profit after tax increased 22% year-on-year to INR 184.74 crores, marking the bank's highest-ever quarterly profit.
Margins: Net interest margin (NIM) climbed to 3.27% for the quarter, aided by a 10 bps drop in cost of deposits.
Asset Quality: GNPA fell to 2.72% and NNPA to 1.1%, both at multi-year lows, with slippage ratio also at its lowest in 18 quarters.
Expense Impact: A one-time wage bill impact of INR 26.87 crores from the new Labour Codes was absorbed with only a marginal recurring effect expected.
Guidance Affirmed: Management maintained guidance for 18-20% annual growth and ROE targets of 13.5% for FY26-27 and 14.5% for FY27-28.
Efficiency Gains: Growth was achieved with fewer employees; branch expansion and digitization remain priorities.
Fee Income: Core fee income was strong and is expected to remain robust, targeting 1% of average assets.
