{"id":129434,"date":"2022-05-10T08:08:15","date_gmt":"2022-05-10T12:08:15","guid":{"rendered":"https:\/\/44.250.171.167\/?p=129434"},"modified":"2022-10-06T03:26:18","modified_gmt":"2022-10-06T07:26:18","slug":"dcb-bank-limited-q4-fy22-earnings-conference-call-insights","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/dcb-bank-limited-q4-fy22-earnings-conference-call-insights\/","title":{"rendered":"DCB Bank Limited Q4 FY22 Earnings Conference Call Insights"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"DCB Bank Limited Q4 FY22 Earnings Concall\" width=\"500\" height=\"375\" src=\"https:\/\/www.youtube.com\/embed\/eyGPHcD05o8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><strong>Key highlights from DCB Bank Limited (<a href=\"https:\/\/44.250.171.167\/symbol\/DCBBANK\/\">DCBBANK<\/a>) Q4 FY22 Earnings Concall<\/strong><\/p>\n<p><strong>Management Update:<\/strong><\/p>\n<ul>\n<li>DCBBANK said it is continuing to build frontline capacity to put the growth in a higher trajectory. The intention is to double the balance sheet in 3-4 years.<\/li>\n<\/ul>\n<p><strong>Q&amp;A Highlights:<\/strong><\/p>\n<ul>\n<li>Darpin Shah from Haitong Securities asked about the breakup of provisions and yield and cost of funds for 4Q. Murali Natrajan MD replied that net NPA provision is INR59 crores. As in every quarter, DCBBANK made INR3 crores floating provision, INR8 crores is RBI-mandated standard assets provision, and from restructuring provision, there is INR3 crores reversal on accounts which got closed.<\/li>\n<\/ul>\n<ul>\n<li>Darpin Shah from Haitong Securities queried about the yield and cost for 4Q. Murali Natrajan MD answered that yields on advances for the quarter was 11% and cost of funds was 6.04%.<\/li>\n<\/ul>\n<ul>\n<li>Renish Bhuva from ICICI Securities asked about the ROA journey over the next 2-3 years. Murali Natrajan MD replied that how DCBBANK is seeing it is that the company is making investments and will make investments. The intention would be to consistently deliver 1% ROA and at least between 12-14% ROE.<\/li>\n<\/ul>\n<ul>\n<li>Uttam Purohit from Perfect Research asked about advances growing 13% YoY and if the same can be expected going forward. Murali Natrajan MD answered that the bank is trying to put itself in a 20% growth rate trajectory. DCBBANK added that it will be a mix of digital, branch expansion, front-line expansion and so on.<\/li>\n<\/ul>\n<ul>\n<li>Yatin Kumar from Alpha Capital asked about the NIM going forward, given rates are going up. Murali Natrajan MD answered that DCBBANK believes its business model operates on a NIM range of about 365-375 bp. The bank wants to reach that steady state.<\/li>\n<\/ul>\n<ul>\n<li>Yatin Kumar from Alpha Capital also asked about any credit cost guidance for the coming year. Murali Natrajan MD replied that DCBBANK can&#8217;t give credit cost guidance for a particular year, but in a steady state basis, hopefully, in about 2-4 quarters, the bank will be on a 50 basis, 55 basis cost to average assets. And at the moment, PCR is at 68% and backing off the gold loan NPA, it&#8217;s actually at 72%.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Key highlights from DCB Bank Limited (DCBBANK) Q4 FY22 Earnings Concall Management Update: DCBBANK said it is continuing to build frontline capacity to put the growth in a higher trajectory. The intention is to double the balance sheet in 3-4 years. Q&amp;A Highlights: Darpin Shah from Haitong Securities asked about the breakup of provisions and [&hellip;]<\/p>\n","protected":false},"author":1767,"featured_media":125416,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[9825,392,1],"tags":[151,1792],"class_list":["post-129434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earnings-call-highlights","category-earnings","category-finance-stocks","tag-banking","tag-financial-services"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":130968,"url":"https:\/\/alphastreet.com\/india\/dcb-bank-limited-dcbbank-q4-fy22-earnings-concall-transcript\/","url_meta":{"origin":129434,"position":0},"title":"DCB Bank Limited (DCBBANK) Q4 FY22 Earnings Concall Transcript","author":"IRS Team","date":"May 7, 2022","format":false,"excerpt":"DCB Bank Limited (NSE: DCBBANK) Q4 FY22 Earnings Concall dated May. 07, 2022 Corporate Participants: Murali M. Natrajan\u00a0--\u00a0Managing Director & Chief Executive Officer Bharat Laxmidas Sampat\u00a0--\u00a0Chief Financial Officer and Chief Investor Relation Officer Praveen Kutty\u00a0--\u00a0President - Head Retail & SME Banking Ajit Kumar Singh\u00a0--\u00a0Head - Treasury & Financial Institutions Group\u2026","rel":"","context":"In &quot;Earnings Call Transcripts&quot;","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"stock earnings conference call transcript","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/02\/EarningsTranscript.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/02\/EarningsTranscript.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/02\/EarningsTranscript.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":145299,"url":"https:\/\/alphastreet.com\/india\/dcb-bank-limited-dcbbank-q4-fy23-earnings-concall-transcript\/","url_meta":{"origin":129434,"position":1},"title":"DCB Bank Limited (DCBBANK) Q4 FY23 Earnings Concall Transcript","author":"IRS_INDIA","date":"May 8, 2023","format":false,"excerpt":"DCB Bank Limited (NSE:DCBBANK) Q4 FY23 Earnings Concall dated May. 05, 2023. Corporate Participants: Murali M. Natrajan\u00a0--\u00a0Managing Director & Chief Executive Officer Satish Gundewar\u00a0--\u00a0Chief Financial Officer Praveen Kutty\u00a0--\u00a0Head - Retail Banking Analysts: Darpin Shah\u00a0--\u00a0Haitong India -- Analyst Jai\u00a0--\u00a0I-Sec -- Analyst Akshay Gupta\u00a0--\u00a0Investec Capital -- Analyst M B Mahesh\u00a0--\u00a0Kotak Securities --\u2026","rel":"","context":"In &quot;Earnings Call Transcripts&quot;","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"Earnings Conference Call Transcript","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":147275,"url":"https:\/\/alphastreet.com\/india\/earnings-dcb-bank-limited-nse-dcbbank-q4fy23-results-out-total-income-rises-26-yoy\/","url_meta":{"origin":129434,"position":2},"title":"Earnings | DCB Bank Limited (NSE: DCBBANK): Q4FY23 Results Out; Total Income rises 26% YoY.","author":"Divyansh_Kasana","date":"May 25, 2023","format":false,"excerpt":"DCB Bank Limited is a modern private sector bank that operates with a network of 352 branches across 19 states and 3 union territories in India. As a scheduled commercial bank, it is subject to the regulations and oversight of the Reserve Bank of India. DCB Bank is known for\u2026","rel":"","context":"In &quot;Earnings&quot;","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/4b0b185d-fd09-4e7e-947d-ef141089055f-42.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":139446,"url":"https:\/\/alphastreet.com\/india\/dcb-bank-limited-dcbbank-q3-fy23-earnings-concall-transcript\/","url_meta":{"origin":129434,"position":3},"title":"DCB Bank Limited (DCBBANK) Q3 FY23 Earnings Concall Transcript","author":"IRS_INDIA","date":"January 30, 2023","format":false,"excerpt":"DCB Bank Limited (NSE:DCBBANK) Q3 FY23 Earnings Concall dated Jan. 28, 2023. Corporate Participants: Murali Natrajan\u00a0--\u00a0Chief Executive Officer Praveen Kutty\u00a0--\u00a0Head Retail and SME Banking Satish Gundewar\u00a0--\u00a0Chief Financial Officer Analysts: Darpin Shah\u00a0--\u00a0Haitong International -- Analyst Bajrang Bafna\u00a0--\u00a0Sunidhi Securities -- Analyst Anuj Sharma\u00a0--\u00a0M3 Investments -- Analyst Renish Bhuva\u00a0--\u00a0ICICI Securities -- Analyst Prakhar\u2026","rel":"","context":"In &quot;Earnings Call Transcripts&quot;","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"Earnings Conference Call Transcript","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":128952,"url":"https:\/\/alphastreet.com\/india\/cholamandalam-investment-and-finance-company-ltd-q4-fy22-earnings-conference-call-insights\/","url_meta":{"origin":129434,"position":4},"title":"Cholamandalam Investment and Finance Company Ltd Q4 FY22 Earnings Conference Call Insights","author":"Praveen","date":"May 9, 2022","format":false,"excerpt":"https:\/\/youtu.be\/lTw16_2nfD8 Key highlights from Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) Q4 FY22 Earnings Concall Management Update: CHOLAFIN said it delivered its best-ever disbursals, collections and profitability in Q4, aided by strong signs of recovery in both auto and the mortgage industry. Q&A Highlights: Dhaval Gada of DSP asked about\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":145352,"url":"https:\/\/alphastreet.com\/india\/equitas-small-finance-bank-q4-fy23-earnings-conference-call-insights\/","url_meta":{"origin":129434,"position":5},"title":"Equitas Small Finance Bank Q4 FY23 Earnings Conference Call Insights","author":"Praveen","date":"May 8, 2023","format":false,"excerpt":"Key highlights from Equitas Small Finance Bank (EQUITASBNK) Q4 FY23 Earnings Concall Management Update: [00:06:46] EQUITASBNK Vehicle Finance delivered its highest-ever disbursement in a quarter, and CV sales have grown by 38% year-on-year. Q&A Highlights: [00:17:17] Darpin Shah from Haitong India asked how the bank sees the cost to assets\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/129434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/1767"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=129434"}],"version-history":[{"count":0,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/129434\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media\/125416"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=129434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=129434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=129434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}