DCB Bank Limited has announced that its Board of Directors will meet on January 23, 2026, to review and approve the bank's quarterly financial performance. Following the board meeting, the bank will host an earnings call with analysts and investors to discuss the unaudited financial results for the third quarter and nine months ended December 31, 2025.

Board Meeting and Earnings Call Schedule

The board meeting notification was formally communicated to stock exchanges on January 14, 2026, followed by an earnings call announcement on January 19, 2026. The earnings call is scheduled for 18:30 hours IST on the same day as the board meeting, ensuring timely communication of financial results to stakeholders.

Conference Call Access Information

The bank has provided comprehensive dial-in details for participants to join the earnings call. Multiple access options have been arranged to accommodate both domestic and international participants.

Corporate Communication and Documentation

The official communications were issued by Company Secretary and Compliance Officer Rubi Chaturvedi, with digital signatures on both January 14 and January 19, 2026. The announcements were simultaneously sent to BSE Limited and National Stock Exchange of India Limited, ensuring comprehensive market disclosure.

The bank has confirmed that audio recordings and transcripts of the conference call will be made available on the bank's website at www.dcbbank.com following the earnings discussion. This initiative ensures broader accessibility for stakeholders who may not be able to participate in the live call.

Regulatory Framework and Market Disclosure

The earnings call announcement falls under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, complementing the earlier board meeting notification under Regulation 29. This dual communication approach demonstrates the bank's commitment to transparent and timely market disclosure practices.

DCB Bank , a prominent player in the Indian banking sector, has reported consistent growth and improved operational efficiency in its recent financial results. The bank has set ambitious targets for the next two years, aiming for annual growth of 18-20% while maintaining a strong capital position.

Consistent Growth and Improved Efficiency

DCB Bank has demonstrated steady progress in key financial metrics over the past six quarters:

• Advances Growth: The bank has maintained an average growth rate of 21.02% in advances over the last six quarters, slightly lower than its 12-quarter average of 21.17%.
• Deposits Growth: Deposits have grown at an average rate of 20.13%, nearly matching the 12-quarter average of 20.50%.
• Cost Efficiency: The bank has significantly improved its cost-to-average assets ratio, reducing it by 32 basis points from peak levels to 2.59%.
• Credit Cost: DCB Bank has consistently maintained its credit cost below 40 basis points, indicating strong asset quality management.

Financial Performance Highlights

Strategic Focus and Future Outlook

DCB Bank's management has outlined several key strategies and targets for the coming years:

1. Transition from Lender to Full-Service Banker: The bank aims to expand its role from a lender to a comprehensive financial services provider for self-employed and MSME segments.

2. Deposit Growth and Cost Reduction: A major focus is on building deposits while decreasing the cost of deposits, which should improve the bank's net interest margin.

3. Technology Adoption: DCB Bank is leveraging technology to enhance operational efficiency, with initiatives such as digital onboarding, paperless processes, and automated testing tools.

4. Capital Conservation: The bank is focusing on expanding assets while conserving capital, as evidenced by the decreasing trend in its risk-weighted assets to total assets ratio.

5. Cross-Selling Opportunities: With 76% of customers currently using only one product, the bank sees significant potential for cross-selling additional services.

6. SME Focus: DCB Bank is creating a business horizontal to cater to the 3-10 crore SME segment, offering fully secured, sole banking relationships.

Future Targets

For the next two years, DCB Bank has set the following targets:

• Annual growth of 18-20%
• Capital adequacy ratio between 15.50% to 17.00%
• Net Interest Income to Average Assets: 3.15% to 3.20%
• Fee Income to Average Assets: 1.00% to 1.05%
• Cost to Average Assets: 2.45% to 2.50%
• Credit Cost to Average Assets: 0.40% to 0.45%
• Return on Assets: 0.92% to 1.00%
• Return on Equity: 13.50% to 14.50% (without considering any additional capital raising)

DCB Bank's consistent performance and strategic initiatives position it well for future growth in the competitive Indian banking landscape. The bank's focus on the self-employed and MSME segments, coupled with its emphasis on technology and operational efficiency, may provide a strong foundation for achieving its ambitious targets in the coming years.