DCB Bank

DCB Bank delivered a strong Q4 FY26 with PAT of ₹726 croreCurrent reported value: ₹726 crore. No comparable prior figure is available in the source record. (full year), the highest ever, driven by 18% YoY advances growth and 21% YoY deposit growth. Net interest margin improved to 3.39%Current 3.39%. Reported change: +12 bps QoQ., up 12 bps QoQ, aided by lower cost of deposits (down 44 bps YoY) and a shift in product mix away from low-yield co-lending (now 13.9%Current 13.9%. Reported change: -1.1pp QoQ. of book). Asset quality improved to a 7-year low with gross NPA at 2.45%Current 2.45%. Reported change: -87 bps YoY. and net NPA at 0.89%Current reported value: 0.89%. No comparable prior figure is available in the source record., while credit cost fell to 40 bpsCurrent reported value: 40 bps. No comparable prior figure is available in the source record. (below the 45-55 bps model). Management guided for continued NIM improvement through Q2, with deposit repricing benefits and a focus on growing high-quality mortgage and MSME books. Key risk: prolonged West Asia crisis could pressure lower-income borrowers and raise credit costs.