DCB Bank has posted mixed set of numbers overall for Q3FY21 with stable margins and controlled opex. However, asset quality has weakened, with increase in restructuring guidance and elevated credit cost expected. On the collection front, the bank has seen improving trend in each segment of the portfolio, collection efficiency for LAP, home loans and CV segment were at 89.8%, 94.1% and 80.4%, respectively. There has been healthy reduction in the quantum of customer pool that did not pay single EMI. In LAP business, this quantum reduced significantly from 7.4% in October 2020...