DCB Bank Q3 FY26 Concall: Management on Credit Growth and Asset Quality Resilience

Описание: DCB Bank Q3 FY26 Concall: Management on Credit Growth and Asset Quality Resilience

During the Q3 FY26 earnings conference call, the management of DCB Bank highlighted a steady growth in their loan book, primarily driven by the Mortgage, MSME, and Agri segments. The leadership team emphasized their focus on maintaining a granular deposit base, with a specific push toward increasing the CASA (Current Account Savings Account) ratio to manage the cost of funds. Management also discussed the stability of their Asset Quality, noting that slippages have remained within guided levels and that the bank is seeing healthy recoveries and upgrades in its legacy portfolio.

The company's performance was largely in line with brokerage estimates regarding Net Interest Income (NII). However, the Net Interest Margin (NIM) was slightly lower than analyst expectations due to the continued competitive pressure on deposit pricing and the repricing of the loan book. While analyst estimates had expressed caution regarding the bank's operating expenses and cost-to-income ratio, management reiterated their commitment to digital transformation and productivity improvements, which are expected to yield operational efficiencies in the coming fiscal years.

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