DCB Bank Ltd

Meeting Details

• Date: August 13, 2026.
• Type/Mode: Analysts/institutional meeting; in-person.
• Event/Organizer: Equirus Annual India Conference.
• Company participants: management to attend.
• Purpose: investor/analyst interaction.

Disinvestment in Saksham Gram and investment in Purple Finance

• DCB Bank agrees to sell 9.65% equity in Saksham Gram Credit Pvt Ltd.
• Cash consideration Rs 2.60 crore; rest via 9,65,055 Purple Finance shares valued Rs 6.95 crore.
• Acquisition via 9,65,055 Purple Finance shares; 1.02% diluted paid-up capital.
• Disinvestment in Saksham Gram: 17,49,991 shares at Rs 54.60 per share (Rs 9.55 crore).
• Post-transaction, DCB Bank's holding in Purple Finance will be 1.32% (existing paid-up) and 1.02% (diluted).
• Purple Finance plans to take Saksham Gram as 100% subsidiary, subject to approvals.
• AUM of Purple Finance stood at Rs 249 crore as of March 2026.
• Completion expected within six months, subject to regulatory and internal approvals.
• Not a related party transaction.

Resolutions and outcomes

• Special resolution to approve appointment of Mr. Pushan Mahapatra as Non-Executive Part-Time Chairman.
• Turnout 53.16%; 99.99% in favour, 0.01% against; resolution passed.

Meeting Details

• Date: July 24, 2026; time not disclosed.
• Type/Mode: Earnings conference call; virtual teleconference.
• Event/Organizer: DCB Bank Limited Q1 FY27 Earnings Conference Call.
• Key company participants: MD & CEO; Whole-Time Director; CFO; Chief Investor Relations Officer.
• Purpose: Discuss unaudited Q1 FY27 results.
• Recording/Transcript: Conference recorded; transcript attached and available on bank website.

Financial highlights

• Total income: ₹2,180.64 cr; YoY growth ~6.5% from ₹2,049.69 cr.
• Interest earned: ₹1,984.31 cr; advances ₹1,601.17 cr, investments ₹367.27 cr.
• Other income: ₹196.33 cr; combined with interest income to ₹2,180.64 cr.
• Operating profit before provisions: ₹344.04 cr; Provisions: ₹57.07 cr; PBT: ₹286.97 cr.
• Net profit after tax: ₹286.97 cr; Basic EPS ₹6.62, Diluted EPS ₹6.58.
• Dividend for year ended 31 Mar 2026 approved and paid on 3 Jul 2026.

Segment performance & exposures

• Retail Banking revenue: ₹1,844.29 cr; segment PBT: ₹191.14 cr.
• Treasury revenue: ₹490.21 cr; segment PBT: ₹12.20 cr.
• Corporate/Wholesale Banking revenue: ₹149.65 cr; PBT: ₹43.34 cr.
• Other Banking Operations revenue: ₹52.22 cr; PBT: ₹49.54 cr.
• Inter-segment revenue: ₹355.73 cr; Total income from operations: ₹2,180.64 cr.

Balance sheet & exposures

• Total segment assets: ₹88,752.06 cr; Retail ₹55,478.71 cr; Treasury ₹26,350.03 cr.
• Corporate assets ₹6,355.38 cr; Unallocable ₹567.94 cr.
• Total segment liabilities: ₹81,980.73 cr; Retail ₹56,805.61 cr; Treasury ₹18,951.39 cr.
• Corporate liabilities ₹6,221.22 cr; Other ₹2.51 cr.
• Capital employed (segment): ₹6,771.33 cr total.

Co-Lending & projects

• Co-Lending Arrangements outstanding: ₹7,505.24 cr; average rate 10.43%.
• Projects under implementation: 268 accounts; 21 sanctioned in quarter; DCCO achieved in 242.
• Value of projects under implementation: ₹1,796.06 cr.

Loans & subsidiaries

• Loans acquired through assignment: ₹1,391.28 cr; weighted avg rate 10%; tangible security 100%.
• Bank has no subsidiary/associate/joint venture; no consolidated results.

Regulatory disclosures & misc

• Pillar 3 disclosures (Leverage, LCR, NSFR) placed on the bank's website; not reviewed by auditors.
• No Digital Banking Units; no Digital Banking Segment disclosures reported.
• Dividend for FY2026 approved and paid; quarterly results reviewed by Audit Committee.

Dematerialisation processing status

• Dematerialisation requests received during the reporting quarter were processed and confirmed to the depositories.
• Securities dematerialised were listed on the stock exchanges where the existing securities are listed.
• Physical certificates received for dematerialisation were mutilated and cancelled after due verification.
• The depository's name has been substituted as registered owner in the register of members within prescribed timelines.

Meeting Details

• Board meeting on July 24, 2026; time and venue not disclosed.

Key Agenda Items

• Consider and approve unaudited results for quarter ended June 30, 2026.

Rating Action

• Tier II Bonds ₹400 crore: CARE AA-; Stable reaffirmed.
• Certificate of Deposit ₹2,000 crore: CARE A1+ reaffirmed.
• Fixed Deposit: CARE A1+ reaffirmed.

Rationale & Outlook

• Comfortable CAR 16.55% and CET1 14.26% as on 31 Mar 2026.
• Promoter AKFED infusions; ₹83 crore in Oct 2025.
• Prior Tier-II bonds raised ₹300 crore in Mar 2023 and ₹400 crore in Nov 2024.
• Retail-focused, stable asset quality; NIM 3.00%; PAT ₹732 crore in FY26.
• Outlook Stable.

Key Metrics

• Total net advances ₹60,022 crore as on 31 Mar 2026; 18% YoY growth.

Ratings Sensitivities

• Positive: ROTA > 1.25% sustained; rising CASA and maintained asset quality.
• Negative: CAR below minimum cushion; NNPA > 3% sustained; ROTA < 0.5% sustained.