DCB Bank CEO Kutty: Strategic Investor Will Fast-Forward Growth

• DCB Bank CEO Praveen Kutty is open to strategic investors at the right price to accelerate growth, potentially needing Tier-1 capital by FY28.
• Under Kutty's 18-month tenure, the bank has focused on improving efficiencies, internal CXO transitions, and tweaking its business model.
• Key business model changes include increasing secured business loans, gold loans, educational institution loans, and direct mortgage sourcing.
• The bank has seen improved productivity, reduced non-performers, a downward trend in cost of deposits, and a reduced cost-to-income ratio.
• DCB Bank maintains a strong focus on secured loans, consistent growth (18-22% YoY), and aims to leverage its banking license for MSME full-solutions and cross-selling to existing customers.

Why It Matters: DCB Bank's CEO charts path for growth, efficiency, and potential strategic investment.