DCB Bank has strategically diversified its loan portfolio across retail, MSME, SME and corporates with increased focus on secured lending. DCB's asset quality has improved significantly from gross NPA levels of 9.7% in FY10 to 1.6% in FY17 which has aided profitability growth. It's net interest margin has also improved by 120bps over FY10-FY17 to 4% on the back of increased focus on retail and improvement in asset quality.