Q2 2026 DCB Bank Ltd Earnings Call Transcript
Key Points
- Total deposits grew by 18.79% year-over-year, reaching 64,777 crores.
- Total advances increased by 19.14% year-over-year, indicating strong growth momentum.
- Net Interest Margin (NIM) improved from 3.2% in June to 3.23% in September.
- Profit after tax for the quarter reached 184 crores, marking the highest quarterly profit in the bank's history.
- The bank achieved a significant reduction in the cost of deposits and cost of funds, enhancing profitability.
- The bank experienced a slowdown in mortgage growth due to strategic changes in ticket size and yield management.
- There is a need to improve the slippage ratio, which is currently impacting operational efficiency.
- The unsecured business and small ticket loans have shown higher slippages, indicating potential risk areas.
- The core fee income growth has been trailing behind the advances growth, which could impact overall revenue diversification.
- The bank's co-lending book, primarily driven by gold loans, needs to be managed to maintain a balanced portfolio.
Ladies and gentlemen, good day and welcome to the DCB Bank Q2 FY26 earnings conference call. As a reminder, all participant clients will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.
Should you need assistance during the conference call, please signal an operator by pressing and then 0 on your touchstone phone.
We have with us from the management Mr. Praveen Kurti, managing director and CEO.
Mr. Shridharishadri, whole time director.
Mr. Ravi Kumar, Chief Financial Officer.
Mr. Ajit Kumar Singh, Chief Investor relations officer.
I now hand the conference over to Mr. Praveen Kurti, managing director and CEO for the opening remarks.
Thank you and over to you, sir.
I'm happy to announce the quarter to financial results.
The key highlights include total deposits.
Which has grown by 18.79% YOY to 64,777 cross.
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