DCB Bank Limited Q2 FY26 earnings call summary

Earnings call of 17 Oct 2025, summarised by AI from the filing.

DCB Bank Q2 FY26 PAT ₹184 cr, highest ever; NIM 3.23%, credit cost 31 bps; targets ROE 13.5% for FY27.

Key takeaways

1. ROE guidance Management targets ROE of 13.5% for FY27 and 14.5% for FY28.
2. NIM expansion NIM rose to 3.23% from 3.2% in Q1; management sees the corner turned unless more rate cuts.
3. Cost control Cost to average assets at 2.43%, down 32 bps y-o-y; fifth consecutive quarter of decline.
4. Credit cost Credit cost at 31 bps in Q2; management confident full-year will not cross 45 bps.

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)