West Asia crisis impact on portfolio
Prolonged conflict could raise hydrocarbon prices, hurting lower-income borrowers and increasing credit costs.
DCBBANK / Q4-FY26 / risks
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DCB Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Slow current account growth
CASA growth is flat; management acknowledged it as a key disappointment and is yet to see results from efforts.
Co-lending transition not fully complete
While gold loan co-lending is settled, other segments (e.g., education) are still transitioning to new CLM guidelines.
Execution risk in NIM sustainability
Management noted that maintaining NIM at current levels depends on continued liability cost discipline, which is an execution challenge.