**1. Business Performance:** DCB Bank posted strong Q2 FY26 results: Profit After Tax surged 18.3% to INR 184 Cr.

Advances grew 19.1% to INR 52,975 Cr; Deposits rose 18.8% to INR 64,777 Cr.

Co-lending (+139%) and Construction Finance (+25%) were strong drivers.

Gross NPA improved to 2.91%. **2. Growth Drivers or Strategy:** The bank emphasizes secured, small-ticket lending for self-employed and MSMEs.

Priorities include expanding its branch network, growing retail deposits, and continuous digital transformation for efficiency and customer engagement. **3. Recent Developments:** DCB Bank unveiled 13 new digital products at the Global Fintech Fest, reinforcing its digital leadership.

Promoters (AKFED) increased their stake to 16.27% through an INR 83 Cr preferential allotment. **4. Key Financial Metrics:** For Q2 FY26, ROA was 0.94%, ROE 13.20%. Net NPA stood at 1.21%, with CASA at 23.52%. **5. Management Commentary / Outlook:** Management targets doubling the Balance Sheet in 3-4 years.

Near-term aims include ROA >1%, ROE ~14%, and reducing Gross NPA <2.5% (Net NPA to 1%). Mortgages, MSME/SME, and co-lending are expected to be primary growth engines.