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Motilal Oswal's research report on DCB Bank

DCB Bank (DCBB) reported 13.8% YoY growth in PAT to INR1.8b (12% beat), driven by better other income and lower-than-expected provisions. NII grew 9.9% YoY/2.8% QoQ to INR5.6b (largely in line). NIMs inched down 1bp to 3.29%. Other income grew 60.7% YoY/18.9% QoQ (16% higher than est.). Business growth was robust as advances grew 24.7% YoY/6.8% QoQ to INR510.5b and deposits grew at a healthy pace of 21.6% YoY/5.9% QoQ to INR600.3b, led by faster growth in TDs. CASA mix thus reduced by 57bp QoQ to 24.5%. Fresh slippages declined to INR3.66b (vs. INR3.95b in 3QFY25). GNPA ratio improved by 12bp QoQ to 2.99% and NNPA ratio improved by 6bp QoQ to 1.12%. PCR increased to 63.2%.

Outlook

We raise our earnings estimates by 2.7% for FY26/FY27 and expect FY27 RoA/RoE at 0.95%/15.1%. Reiterate BUY with a TP of INR165 (based on 0.8x FY27E ABV).

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DCB Bank - 28042025 - moti

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