• Financial performance: DCB Bank posted a 16% year-on-year increase in net profit to ₹206 crore and a 17.4% rise in net interest income to ₹655 crore, supported by 18% to 20% growth across eight consecutive quarters.
• Capital raising plans: The board approved raising up to ₹1,500 crore through a qualified institutional placement or permissible routes, with management targeting a calibrated capital raise around Q2 or Q3 to fund future expansion on top of its 14.26% capital adequacy ratio.
• Margins and deposits: Customer deposits expanded by 20.91% year-on-year while top-20 depositor concentration dropped to 6.55%, allowing the bank to lower its cost of deposits by 2 basis points and maintain stable yields at 10.98%.
• Loan portfolio focus: Growth remains focused on secured retail and SME lending—including LAP, home loans, agri-loans, gold loans, and educational institution finance—resulting in low credit costs of 0.32% for the quarter and 0.4% for the full year.
• Operational efficiency outlook: Management targets continued 18% to 20% balance sheet growth over the next three years by driving internal sourcing over DSAs, enhancing technology and workforce productivity, and lowering slippages from 3.09% to 2.28%.