DCB Bank Limited

rs,

No.CO:CS:RC:2022-23:103 July 30, 2022 BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, 1st floor Dalal Street. Mumbai 400 001 National Stock Exchange of India Limited Listing Departme

INR 64.78 crore

and projections. 2 Q1 FY2023 Performance Highlights & Key Takeaways Improving core fees income: INR 64.78 crores Credit cost: 0.31% Continued investments in front line + branch infrastructure: 405 Branches S

0.31%

Performance Highlights & Key Takeaways Improving core fees income: INR 64.78 crores Credit cost: 0.31% Continued investments in front line + branch infrastructure: 405 Branches Strong capital adequac

18.47%

d investments in front line + branch infrastructure: 405 Branches Strong capital adequacy ratio: 18.47% Improving growth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan

17.89%

nfrastructure: 405 Branches Strong capital adequacy ratio: 18.47% Improving growth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 2

14.64%

Strong capital adequacy ratio: 18.47% Improving growth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 20 deposits: 6.20% Performanc

84%

ving growth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 20 deposits: 6.20% Performance Highlights and Key Take-ways Continue

Rs. 3 crore

owth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 20 deposits: 6.20% Performance Highlights and Key Take-ways Continued strong recove

6.20%

Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 20 deposits: 6.20% Performance Highlights and Key Take-ways Continued strong recoveries & upgrades Collection ef

4.21%

ries & upgrades Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 4.21% and Net NPA: 1.82% ratio Improving provision coverage: 69.48% Savings Account growth: 65.52% Y-o

1.82%

ollection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 4.21% and Net NPA: 1.82% ratio Improving provision coverage: 69.48% Savings Account growth: 65.52% Y-o-Y Improving CASA

69.48%

OVID-19 levels Decreasing Gross NPA: 4.21% and Net NPA: 1.82% ratio Improving provision coverage: 69.48% Savings Account growth: 65.52% Y-o-Y Improving CASA Ratio: 28.57% 3 Key Performance Highlights

“% 4.79 4.48 4.44 4.10 4.01 3.36 2.96 2.89 1.82 1.64 1.27 1.16 1.09 1.06 1.00 • DCB Bank is promoted by the Aga Khan Fund for Economic Development (AKFED) • AKFED is an international agency dedicated to promoting entrepreneurship and building economically sound companies • AKFED operates as a network of affiliates with more than 90 separate project companies employing over 47,000 people.”

Improving core fees income

1

Strong capital adequacy ratio

1

Savings Account growth

1

Improving core fees income

INR 64.78 crores Credit cost: 0.31% Continued investments in front line + branch infrastructure: 405 Branches

Strong capital adequacy ratio

18.47% Improving growth in Advances: +17.89% Y-o-Y and Deposits: +14.64% Y-o-Y Continued granular loan book (84% at Rs. 3 crore below) Top 20 deposits: 6.20% Performance Highlights and Key Take-ways Continued strong recoveries & upgrades Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 4.21% and Net NPA: 1.82% ratio Improving provision coverage: 69.48%

Savings Account growth

65.52% Y-o-Y Improving CASA Ratio: 28.57% 3 Key Performance Highlights – Q1 FY2023 INR 45,221 crores ( +12.19% Y-o-Y ) Balance Sheet Size INR 97.1 crores ( 187.78% Y-o-Y ) Profit After Tax 28.57% (Q1FY2022: 21.69%) CASA Ratio INR 29,814 crores ( +17.89% Y-o-Y ) Advances 4.21% (Q1FY2022: 4.91%) Gross NPA 18.47% (Q1FY2022: 19.64%) Capital Adequacy Ratio INR 35,081 crores ( +14.64% Y-o-Y ) Deposits 1.82% (Q1FY2022: 2.84%) Net NPA 69.48% (Q1FY2022: 59.42%) Provision Coverage Ratio 4 Key Performance Highlights – FY2022 INR 44,793 crores ( +13.11% Y-o-Y ) Balance Sheet Size INR 288 crores ( -14.38% Y-o-Y ) Profit After Tax 26.75% (FY2021: 22.85%) CASA Ratio INR 29,096 crores ( +13.05% Y-o-Y ) Advances 4.32% (FY2021: 4.13%) Gross NPA 18.92% (FY2021: 19.67%) Capital Adequacy Ratio INR 34,692 crores ( +16.79% Y-o-Y ) Deposits 1.97% (FY2021: 2.31%) Net NPA 67.84% (FY2021: 62.35%) Provision Coverage Ratio 5 About Us About Us • New generation private sector bank with more than 400 branches across