DCB Bank Q4 FY26: Profitable growth, improving asset quality, and a steady branch-led buildout

Q4 FY26 balance sheet size was INR 88,069 crores, advances INR 60,022 crores, deposits INR 72,583 crores, and profit after tax INR 206 crores.

Gross NPA improved to 2.45% from 2.99% a year ago and net NPA improved to 0.89% from 1.12%, while provision coverage ratio rose to 78.42%.

Net interest margin was 3.39% in Q4 FY26, versus 3.27% in Q3 FY26 and 3.29% in Q4 FY25.

The presentation shows mortgages at 39.0%, AIB at 23.5%, SME plus MSME at 13.8%, corporate banking at 7.5%, co-lending at 7.0%, gold loan at 5.0%, commercial vehicle at 3.6% and others at 0.6%.

The presentation states targets of GNPA below 2.50% and NNPA of 1.00%, with business model credit costs of 45 bps to 55 bps to average assets.

Yes. In the earnings call, management indicated a possible capital raise in late Q2 or early Q3, and discussed a preferred size around INR 1,100 to 1,200 crores with an enabling approval up to INR 1,500 crores.