DCB Bank Q2 FY27 Analysis: NIM Recovery, 20% Loan Growth And The Road To Higher ROE | Business News
ET Now · 26 Oct 2026 · 23 min
Management interview of DCB Bank Ltd (DCBBANK), with 8 key numbers discussed.
- Praveen Kutty, MD & CEO, DCB Bank
DCB Bank expects its net interest margin to exit FY27 above 3.35%, driven by repricing, reprofiling high-cost bulk deposits, and lower cost of deposits. Loan growth is projected to remain comfortable at around 20%, with deposit growth continuing to outstrip advances. ROE is anticipated to surpass the bank's 13.5% guidance to end FY27 above 14%, while ROA sustainably breached 1%. Management remains unconcerned about gold loan asset quality despite delinquencies in other loans of such borrowers, and guided credit costs to stay well within 45-55 bps.