DCB Bank Limited

rs,

CO:CS:RC:2022-23:172 November 05, 2022 BSE Limited Listing Department, Phiroze Jeejeebhoy Towers, 1st floor Dalal Street. Mumbai 400 001 National Stock Exchange of India Limited Listing Departme

INR 141.55 crore

and projections. 2 Q2 FY2023 Performance Highlights & Key Takeaways Improving core fees income: INR 141.55 crores H1 FY22-23 Credit cost: 0.27% Continued investments in front line + branch infrastructure: 410

0.27%

ighlights & Key Takeaways Improving core fees income: INR 141.55 crores H1 FY22-23 Credit cost: 0.27% Continued investments in front line + branch infrastructure: 410 Branches 10 new branches added i

17.91%

infrastructure: 410 Branches 10 new branches added in H1 FY22-23 Strong capital adequacy ratio: 17.91% Improving growth in Advances: +17.91% Y-o-Y and Deposits: +16.34% Y-o-Y Continued granular loan b

16.34%

Strong capital adequacy ratio: 17.91% Improving growth in Advances: +17.91% Y-o-Y and Deposits: +16.34% Y-o-Y Continued granular loan book (83% at Rs. 3 crore below) Top 20 deposits: 6.88% Performanc

83%

oving growth in Advances: +17.91% Y-o-Y and Deposits: +16.34% Y-o-Y Continued granular loan book (83% at Rs. 3 crore below) Top 20 deposits: 6.88% Performance Highlights and Key Take-ways Recoveri

Rs. 3 crore

rowth in Advances: +17.91% Y-o-Y and Deposits: +16.34% Y-o-Y Continued granular loan book (83% at Rs. 3 crore below) Top 20 deposits: 6.88% Performance Highlights and Key Take-ways Recoveries and upgrades

6.88%

Deposits: +16.34% Y-o-Y Continued granular loan book (83% at Rs. 3 crore below) Top 20 deposits: 6.88% Performance Highlights and Key Take-ways Recoveries and upgrades equal to slippages for last f

3.89%

ast few quarters Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.89% and Net NPA: 1.54% Improving provision coverage: 72.83% Savings Account growth: 52.38% Y-o-Y Im

1.54%

ollection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.89% and Net NPA: 1.54% Improving provision coverage: 72.83% Savings Account growth: 52.38% Y-o-Y Improving CASA Ratio:

72.83%

pre- COVID-19 levels Decreasing Gross NPA: 3.89% and Net NPA: 1.54% Improving provision coverage: 72.83% Savings Account growth: 52.38% Y-o-Y Improving CASA Ratio: 29.34% 3 Key Performance Highlights

52.38%

Gross NPA: 3.89% and Net NPA: 1.54% Improving provision coverage: 72.83% Savings Account growth: 52.38% Y-o-Y Improving CASA Ratio: 29.34% 3 Key Performance Highlights – Q2 FY2023 INR 46,782 crores

“% 4.79 4.63 4.43 4.01 3.80 3.36 2.96 2.89 1.62 1.23 1.06 • 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.”

“Benefits  Preference for calls based on the customer’s requirement e.g., a customer call for a debit card emergency will be allocated to a customer care resource with the appropriate subject matter expertise.”

“Project impact for 40,165 beneficiaries ACEF Award ACEF ASIAN LEADERS AWARDS FOR BRANDING, MARKETING AND CSR FOR 2022 Livelihood Improvement Project (LIP) through Integrated Watershed Management in Banki, Odisha Water conservation, and restoration is awarded the Gold in Best Corporate-Nonprofit Partnership category.”

Improving core fees income

1

Strong capital adequacy ratio

1

Savings Account growth

1

A range of deposit options made available

1

Benefits

1

Improving core fees income

INR 141.55 crores H1 FY22-23 Credit cost: 0.27% Continued investments in front line + branch infrastructure: 410 Branches 10 new branches added in H1 FY22-23

Strong capital adequacy ratio

17.91% Improving growth in Advances: +17.91% Y-o-Y and Deposits: +16.34% Y-o-Y Continued granular loan book (83% at Rs. 3 crore below) Top 20 deposits: 6.88% Performance Highlights and Key Take-ways Recoveries and upgrades equal to slippages for last few quarters Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.89% and Net NPA: 1.54% Improving provision coverage: 72.83%

Savings Account growth

52.38% Y-o-Y Improving CASA Ratio: 29.34% 3 Key Performance Highlights – Q2 FY2023 INR 46,782 crores ( +12.80% Y-o-Y ) Balance Sheet Size INR 112 crores ( 73.01% Y-o-Y ) Profit After Tax 29.34% (Q2FY2022: 25.38%) CASA Ratio INR 31,291 crores ( +17.91% Y-o-Y ) Advances 3.89% (Q2FY2022: 4.73%) Gross NPA 17.91% (Q2FY2022: 19.34%) Capital Adequacy Ratio INR 36,960 crores ( +16.34% Y-o-Y ) Deposits 1.54% (Q2FY2022: 2.66%) Net NPA 72.83% (Q2FY2022: 60.46%) 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 18

A range of deposit options made available

 DCB Premium Savings, DCB Privilege & DCB Classic Savings Bank, accounts  DCB Fixed Deposit options with tenor up to 10 years Automation of Group Personal Accident (GPA) Policy Daily Issuance

Benefits

 Enhanced customer experience & vast improvement in the turn around time for the Bank.  Insurance policy & coverage commences the next business day  Minimum manual intervention in the back of house process with due diligence 44 Digital Initiatives Digital Initiative Intelligent Interactive Voice Response (IVR) Interactive voice response (IVR) technology offers customers self-service options through the use of DTMF (such as landline or mobile phone dialpad keys) tones input. In addition to identification and segmentation of the callers, it also facilitates the routing of customer calls to the most appropriate customer care/ service resource at the Bank’s Customer Care centre. Benefits  Preference for calls based on the customer’s requirement e.g., a customer call for a debit card emergency will be allocated to a customer care resource with the appropriate subject matter expertise.  Based on the registered mobile number, the system will identify the customer and, accordingly, the ca