DCB Bank Limited Q1 FY26 earnings call summary

Earnings call of 31 Jul 2025, summarised by AI from the filing.

DCB Bank Q1 FY26 operating profit ₹327 cr, highest ever; guides credit cost below 40 bps and NIM to 3.2% for full year.

Key takeaways

1. Credit cost Expected below 40 bps in future quarters, lower than previous 45-55 bps range.
2. Loan growth Driven by co-lending, gold loans, and corporate banking; IBPC of ₹1,500 cr impacted reported growth.
3. Asset quality Slippages rose to 4.6% overall, 3.1% non-gold; accelerated provisions taken on MFI and unsecured DA.

Original filing on BSE

DCB Bank Limited Q1 FY27 results

As filed: Revenue ₹1,984 cr, EBITDA ₹90.6 cr, PAT ₹213 cr, EBITDA margin 4.6%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,907 cr, EBITDA ₹61.6 cr, PAT ₹206 cr, EBITDA margin 3.2%. Not scored. Bank result format: not scored yet. Share price after the results: −6.2% in 28 days (Nifty 500: +0.4%).
• Q3 FY26: Revenue ₹1,861 cr, EBITDA ₹27.3 cr, PAT ₹185 cr, EBITDA margin 1.5%. Not scored. Bank result format: not scored yet. Share price after the results: +15.2% in 28 days (Nifty 500: +3.0%).
• Q2 FY26: Revenue ₹1,823 cr, EBITDA ₹56.9 cr, PAT ₹184 cr, EBITDA margin 3.1%. Not scored. Bank result format: not scored yet. Share price after the results: +36.0% in 28 days (Nifty 500: +1.0%).
• Q1 FY26: Revenue ₹1,814 cr, EBITDA −₹24.1 cr, PAT ₹157 cr, EBITDA margin -1.3%. Not scored. Bank result format: not scored yet. Share price after the results: −13.8% in 29 days (Nifty 500: −2.5%).
• Q4 FY25: Revenue ₹1,742 cr, EBITDA ₹19.2 cr, PAT ₹177 cr, EBITDA margin 1.1%. Not scored. Bank result format: not scored yet. Share price after the results: +10.3% in 28 days (Nifty 500: +4.3%).
• Q3 FY25: Revenue ₹1,671 cr, EBITDA ₹20.0 cr, PAT ₹151 cr, EBITDA margin 1.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹1,568 cr, EBITDA ₹5.4 cr, PAT ₹155 cr, EBITDA margin 0.3%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

DCB Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (24 Jul 2026), Results press release (24 Jul 2026)
• Q4 FY26: Earnings call (24 Apr 2026), Results deck (24 Apr 2026), Results press release (24 Apr 2026)
• Q3 FY26: Earnings call (23 Jan 2026), Results deck (23 Jan 2026), Results press release (23 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (31 Jul 2025), Results deck (31 Jul 2025), Results press release (31 Jul 2025)
• Q4 FY25: Earnings call (25 Apr 2025), Results deck (25 Apr 2025), Results press release (25 Apr 2025)