DCB Bank Limited — Q1FY27 earnings call summary

Filed 24 July 2026 · Company audio recording

Maintain cost-to-average assets below 2.5%, GNPA below 2.5%, NNPA below 1%, ROE >13.5% for FY27.
Cost of deposits declined 14 bps QoQ to 6.75%; further modest reduction expected.
Deposit repricing continues in Q2; margin pressure possible but manageable with cost control and product mix.
Total deposits grew 20.06% YoY; advances up 17.06% YoY in Q1 FY27.
Mortgage disbursements up 35% YoY; expected to drive balance sheet growth in H2 FY27.
NIM expected to improve in Q2 and beyond due to higher-yield mortgage and agri loans mix.
MSME segment disbursements soft; investments in people and tech expected to yield growth from Q2/Q3.
Gold price volatility poses risk; conservative LTV limits mitigate margin calls and credit risk.