DCB Bank Limited – Investor Presentation Summary

Key Operational Highlights

  • Total Balance Sheet size: ₹92,648 crores as of September 30, 2026
  • Advances: ₹64,127 crores with 21.1% YoY growth and 7.0% QoQ growth
  • Headcount: 12,002 employees
  • Branch network: 483 branches
  • Key drivers: Growth in Mortgages (₹30,636 crores, +11.7% YoY), Gold Loans (₹7,254 crores, +142.3% YoY), and Corporates (₹5,379 crores, +42.7% YoY)

Segment-wise Performance

Product Mix (As on 30-SEP-26)
  • Mortgages: ₹30,636 crores (11.7% YoY growth)
  • Co-lending: ₹7,615 crores (-11.4% YoY)
  • Gold Loans: ₹7,254 crores (142.3% YoY growth)
  • Corporates: ₹5,379 crores (42.7% YoY growth)
  • SME + MSME: ₹2,112 crores (-8.4% YoY)
  • Construction Finance: ₹2,226 crores (1.8% YoY growth)
  • Kisan Credit Card (KCC): ₹2,460 crores (22.0% YoY growth)
  • Farm Equipment's (Tractors): ₹2,094 crores (22.5% YoY growth)
  • Micro Finance Institutions (MFI): ₹1,246 crores (68.1% YoY growth)
  • SHG/JLG - Lending through BC: ₹596 crores (28.5% YoY growth)
  • Commercial Vehicle: ₹291 crores (-49.2% YoY)
  • Others: ₹2,936 crores (48.6% YoY growth)

Financial Highlights

Q2 FY27 Performance
  • Interest Income: ₹2,051 crores
  • Interest Expense: ₹1,352 crores
  • Net Interest Income: ₹699 crores (+17% YoY, +2% QoQ)
  • Other Income: ₹249 crores (+34% YoY, +27% QoQ)
  • Commission, Exchange and Brokerage: ₹195 crores
  • Profit/(Loss) on sale of Investments: ₹28 crores
  • Profit/(Loss) on Exchange Transactions: ₹16 crores
  • Total Operating Income: ₹948 crores (+21% YoY, +8% QoQ)
  • Operating Expenses: ₹565 crores (+18% YoY, +5% QoQ)
  • Employee Expenses: ₹283 crores
  • Other Expenses: ₹282 crores
  • Operating Profit: ₹383 crores (+26% YoY, +11% QoQ)
  • Provisions and Contingencies: ₹65 crores (+7% YoY, +13% QoQ)
  • Net Profit Before Tax: ₹318 crores (+31% YoY, +11% QoQ)
  • Tax: ₹82 crores
  • Profit After Tax: ₹236 crores (+29% YoY, +11% QoQ)
Key Ratios Q2 FY27
  • Return on Assets: 1.03%
  • Return on Equity: 14.60%
  • Net Interest Margin: 3.25%
  • Cost to Average Assets: 2.47%
  • Cost to Income Ratio: 59.64%
  • Gross NPA: 2.29%
  • Net NPA: 0.73%
  • Provision Coverage Ratio: 81.38%
  • Credit Cost: 0.28%
  • Margin of Safety (Operating Profit / Provisions): 5.93

Asset Quality

Gross NPA Movement (INR Crores)
  • Opening Balance (Sep-26): ₹1,482
  • Fresh Slippages: ₹437
  • Addition to Existing NPAs: ₹1
  • Recoveries: ₹236
  • Upgrades: ₹191
  • Write Offs / Sacrifice: ₹4
  • Closing Balance: ₹1,489
  • Fresh Slippage Ratio: 2.94%
  • Recoveries & Upgrades to Slippages: 97%
Product-wise Gross NPA (INR Crores)
  • Mortgages: ₹605 (+2 QoQ)
  • SME+MSME: ₹125 (-6 QoQ)
  • Corporate: ₹141 (-4 QoQ)
  • AIB: ₹452 (-2 QoQ)
  • Gold Loans*: ₹26 (0 QoQ)
  • Commercial Vehicle: ₹38 (+4 QoQ)
  • Construction Finance: ₹24 (+5 QoQ)
  • Others: ₹78 (+8 QoQ)
  • Total: ₹1,489 (+7 QoQ)

*Includes Co-Lending

Deposit Profile

  • Total Deposits: ₹76,839 crores
  • Top 20 depositors contribute 6.56% of Total Deposits in Q2FY27 (Q1FY27: 6.81%)

Capital Adequacy Ratio

  • Capital Adequacy Ratio (CAR): 17.57%
  • Tier I Capital: 16.71%
  • Common Equity Tier I (CET I): 16.71%

Balance Sheet Snapshot (Sep-26)

Capital & Liabilities
  • Shareholders Equity: ₹6,941 crores
  • Deposits: ₹76,839 crores
  • Borrowings: ₹5,751 crores
  • Other Liabilities and Provisions: ₹3,117 crores
  • Total: ₹92,648 crores
Assets
  • Cash, Interbank etc.: ₹3,163 crores
  • Investments: ₹21,375 crores
  • Advances: ₹64,127 crores
  • Fixed Assets: ₹979 crores
  • Other Assets: ₹3,004 crores
  • Total: ₹92,648 crores

Strategic & Growth Outlook

Business Model Targets
  • Aim to double the Balance Sheet size every three to four years
  • Target Business Model NIMs: 350 bps to 365 bps
  • Target GNPA below 2.50% and NNPA of 1.00%
  • Target Credit costs: 45 bps to 55 bps to Average Assets
  • Target Margin of Safety (Operating Profit / Provisions): 3 to 4 times
  • Target Cost to Income Ratio: 60% or below in near term
  • Target Cost to Average Assets: 2.50% to 2.60%
  • Return on Assets (ROA) Target: 1% or above in near term
  • Return on Equity (ROE) Guidance: FY26-27 - 13.5%, FY27-28 - 14.5% (without considering any fresh capital)

Digital Initiatives

The bank launched 13 digital initiatives across four categories:

Acquire & Insights
  • CUBE 2.0 account opening
  • Customer 360
  • DCB Niyo Teens
Save & Invest
  • Blostem fixed deposits
  • Fixerra fixed deposits
  • Stable Money fixed deposits
  • DCB SIPPY investments
Borrow & Transact
  • Niyo Insta Credit Card
  • SME Digitisation
  • Tractor Loan journey
  • School fee collection
Assist & Secure
  • Disha AI assistant
  • DCB WrkTalk

Management & Board

Key Management Personnel
  • Praveen Kutty - Managing Director & CEO (35+ years experience)
  • Krishnan Sridhar Seshadri - Whole Time Director (Executive Director) (40+ years experience)
  • Ravi Kumar - Chief Financial Officer (30+ years experience)
  • Mahesh Kutty - Chief Risk Officer (21+ years experience)
  • Murali Rao - Chief Technology Officer (25+ years experience)
Board of Directors
  • Pushan Mahapatra - Chairman and Independent Director
  • Amyn Jassani - Independent Director
  • Thiyagarajan Kumar - Independent Director
  • Balu Srinivasan - Independent Director
  • Tarun Balram - Independent Director
  • Neeta Sudhir Rege - Independent Director
  • Nasser Munjee - Non-Executive (Non-Independent) Director
  • Somasundaram PR - Independent Director
  • Nadir Bhalwani - Non-Executive (Non-Independent) Director
  • Suhail Nathani - Independent Director

ESG & CSR Initiatives

The bank is involved in multiple community development projects across India:

  • Enabling Community Forest Management in Bastar, Chhattisgarh
  • Water Harvesting Structures in Chhatarpur, Madhya Pradesh
  • Siliserh Lake Catchment restoration in Alwar, Rajasthan
  • Waste water recycling in Jhajhar, Haryana
  • Landscape restoration through Afforestation in Jhansi, Uttar Pradesh
  • Climate-resilient agriculture in Sonbhadra, Uttar Pradesh
  • Integrated Watershed Development in Jalna, Maharashtra
  • Reducing farm fires in Fatehgarh Sahib, Punjab

Shareholding Pattern

  • Equity Shares as on Sep 30, 2026: 32,21,89,412 shares
  • Promoter & Promoter Group: 14.87%
  • Public: 85.13%
  • Institutions: 56.39%
  • Non-Institutions: 28.74%
Key Non-Promoter Institutional Shareholders
  • Tata Mutual Fund*: 5.03%
  • Bandhan Mutual Fund*: 4.76%
  • Franklin India Small Cap Fund: 3.79%
  • Sundaram Mutual Fund*: 3.16%
  • Motilal Oswal Mutual Fund*: 2.43%
  • Mirae Asset Mutual Fund*: 2.01%
  • Mahindra Manulife Mutual Fund*: 1.89%
  • Oman India Joint Investment Fund II: 1.71%
  • BOFA Securities Europe SA – ODI: 1.58%
  • Altitude Investment Fund: 1.52%
  • HDFC Life Insurance Co. Ltd.: 1.23%
  • Investor Education and Protection Fund Authority: 1.15%
  • Aditya Birla Sunlife Small Cap Fund: 1.01%

*Held under various schemes/funds/entities