Regulatory risk to insurance commission income
Potential reduction in insurance commissions by regulators could impact fee income, a key growth driver.
DCBBANK / Q3-FY26 / risks
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DCB Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Execution risk in shifting from DSA to organic sourcing
Mortgage growth has slowed to 12.4% YoY as the bank reduces DSA dependence; organic ramp-up may take time, affecting near-term growth.
Margin pressure from lagged repo rate cuts
Full impact of 25bps repo cut in Q3 will flow through in Q4, potentially compressing NIM if deposit costs don't fall proportionately.
Flat current account growth limiting low-cost deposits
CASA ratio remains under pressure with current accounts flatlining, increasing reliance on term deposits and constraining margin improvement.