DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2022-23:269 January 28, 2023 BSE Limited Listing Department, P J Towers, 1st floor Dalal Street. Mumbai 400 001 Scrip Code: 532772 Dear Sirs, National Stock Exchange

INR 211.53 crore

and projections. 2 Q3 FY2023 Performance Highlights & Key Takeaways Improving core fees income: INR 211.53 crores 9M FY22-23 Credit cost: 0.34% Continued investments in front line + branch infrastructure: 418

0.34%

ighlights & Key Takeaways Improving core fees income: INR 211.53 crores 9M FY22-23 Credit cost: 0.34% Continued investments in front line + branch infrastructure: 418 Branches, 8 new branches added i

16.26%

infrastructure: 418 Branches, 8 new branches added in Q3 FY22-23 Strong capital adequacy ratio: 16.26% Strong growth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book

20.56%

branches added in Q3 FY22-23 Strong capital adequacy ratio: 16.26% Strong growth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20

22.57%

3 Strong capital adequacy ratio: 16.26% Strong growth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20 deposits: 6.89% Performanc

82%

trong growth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20 deposits: 6.89% Performance Highlights and Key Take-ways Recoveri

Rs. 3 crore

rowth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20 deposits: 6.89% Performance Highlights and Key Take-ways Recoveries and upgrades

6.89%

Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20 deposits: 6.89% Performance Highlights and Key Take-ways Recoveries and upgrades almost equal to slippages for

3.62%

ast few quarters Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.62% and Net NPA: 1.37% Improving provision coverage: 74.68% Savings Account growth: 39.58% Y-o-Y Im

1.37%

ollection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.62% and Net NPA: 1.37% Improving provision coverage: 74.68% Savings Account growth: 39.58% Y-o-Y Improving CASA Ratio:

74.68%

pre- COVID-19 levels Decreasing Gross NPA: 3.62% and Net NPA: 1.37% Improving provision coverage: 74.68% Savings Account growth: 39.58% Y-o-Y Improving CASA Ratio: 27.62% 3 Key Performance Highlights

“• 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.”

“Project impact for 40,165 beneficiaries 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

Improving core fees income

INR 211.53 crores 9M FY22-23 Credit cost: 0.34% Continued investments in front line + branch infrastructure: 418 Branches, 8 new branches added in Q3 FY22-23

Strong capital adequacy ratio

16.26% Strong growth in Advances: +20.56% Y-o-Y and Deposits: +22.57% Y-o-Y Continued granular loan book (82% at Rs. 3 crore below) Top 20 deposits: 6.89% Performance Highlights and Key Take-ways Recoveries and upgrades almost equal to slippages for last few quarters Collection efficiency almost back to pre- COVID-19 levels Decreasing Gross NPA: 3.62% and Net NPA: 1.37% Improving provision coverage: 74.68%

Savings Account growth

39.58% Y-o-Y Improving CASA Ratio: 27.62% 3 Key Performance Highlights – Q3 FY2023 INR 49,866 crores ( +21.10% Y-o-Y ) Balance Sheet Size INR 114 crores ( 51.05% Y-o-Y ) Profit After Tax 27.62% (Q3FY2022: 25.94%) CASA Ratio INR 32,966 crores ( +20.56% Y-o-Y ) Advances 3.62% (Q3FY2022: 4.78%) Gross NPA 16.26% (Q3FY2022: 18.21%) Capital Adequacy Ratio INR 39,506 crores ( +22.57% Y-o-Y ) Deposits 1.37% (Q3FY2022: 2.55%) Net NPA 74.68% (Q3FY2022: 62.17%) 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 20