DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2023-24:038 May 5, 2023 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 023. National Stock Exchange of India Limited, Exchange Plaza,

INR 303 crore

ts and projections. 2 FY2023 Performance Highlights & Key Takeaways Improving core fees income: INR 303 crores FY2023 Credit cost: 0.33% Continued investments in front line + branch infrastructure: 427 Bra

0.33%

mance Highlights & Key Takeaways Improving core fees income: INR 303 crores FY2023 Credit cost: 0.33% Continued investments in front line + branch infrastructure: 427 Branches, 27 branches added in F

17.55%

branch infrastructure: 427 Branches, 27 branches added in FY2023 Strong capital adequacy ratio: 17.55% Strong growth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book

18.16%

, 27 branches added in FY2023 Strong capital adequacy ratio: 17.55% Strong growth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20

18.87%

3 Strong capital adequacy ratio: 17.55% Strong growth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20 deposits: 6.96% Performanc

84%

trong growth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20 deposits: 6.96% Performance Highlights and Key Take-ways Recoveri

INR 3 crore

rowth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20 deposits: 6.96% Performance Highlights and Key Take-ways Recoveries and upgrades

6.96%

Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20 deposits: 6.96% Performance Highlights and Key Take-ways Recoveries and upgrades higher than slippages for FY2

INR 300 crore

y Take-ways Recoveries and upgrades higher than slippages for FY2023 Raised Tier II Capital of INR 300 crores Decreasing Gross NPA: 3.19% and Net NPA: 1.04% Improving provision coverage: 79.34% Savings Acc

3.19%

higher than slippages for FY2023 Raised Tier II Capital of INR 300 crores Decreasing Gross NPA: 3.19% and Net NPA: 1.04% Improving provision coverage: 79.34% Savings Account growth: 22.81% Y-o-Y CA

1.04%

ges for FY2023 Raised Tier II Capital of INR 300 crores Decreasing Gross NPA: 3.19% and Net NPA: 1.04% Improving provision coverage: 79.34% Savings Account growth: 22.81% Y-o-Y CASA Ratio at 26.42%

“• 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.”

“Waste recycled promoting circular economy 251 metric tonnes Sustainable livelihood created and lives impacted 2,74,168 individuals 45 Awards & Accolades India’s Best Bank for CSR 2022 by Asiamoney and Euromoney Livelihood Improvement Project (LIP) through Integrated Watershed Management in Banki, Odisha.”

“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

Benefits envisaged

1

Improving core fees income

INR 303 crores FY2023 Credit cost: 0.33% Continued investments in front line + branch infrastructure: 427 Branches, 27 branches added in FY2023

Strong capital adequacy ratio

17.55% Strong growth in Advances: +18.16% Y-o-Y and Deposits: +18.87% Y-o-Y Continued granular loan book (84% at INR 3 crore below) Top 20 deposits: 6.96% Performance Highlights and Key Take-ways Recoveries and upgrades higher than slippages for FY2023 Raised Tier II Capital of INR 300 crores Decreasing Gross NPA: 3.19% and Net NPA: 1.04% Improving provision coverage: 79.34%

Savings Account growth

22.81% Y-o-Y CASA Ratio at 26.42% Total business has now crossed INR 75,000 crores 3 Key Performance Highlights – Q4FY2023 INR 52,366 crores ( +16.91% Y-o-Y ) Balance Sheet Size INR 142 crores ( +25.36% Y-o-Y ) Profit After Tax 26.42% (Q4FY2022: 26.75%) CASA Ratio INR 34,381 crores ( +18.16% Y-o-Y ) Advances 3.19% (Q4FY2022: 4.32%) Gross NPA 17.55% (Q4FY2022: 18.92%) Capital Adequacy Ratio INR 41,239 crores ( +18.87% Y-o-Y ) Deposits 1.04% (Q4FY2022: 1.97%) Net NPA 79.34% (Q4FY2022: 67.84%) Provision Coverage Ratio Advances growth compared with Q3FY2023: Mortgages +7% Q-o-Q Co-lending +18% Q-o-Q Construction Finance +14% Q-o-Q AIB +10% Q-o-Q 4 Key Performance Highlights – FY2023 INR 52,366 crores ( +16.91% Y-o-Y ) Balance Sheet Size INR 466 crores ( +61.93% Y-o-Y ) Profit After Tax 26.42% (FY2022: 26.75%) CASA Ratio INR 34,381 crores ( +18.16% Y-o-Y ) Advances* 3.19% (FY2022: 4.32%) Gross NPA 17.55% (FY2022: 18.92%) Capital Adequacy Ratio INR 41,239 crores ( +18.87% Y-o-Y ) Deposits 1.

Benefits envisaged

• Customers do not have to wait for bank letters because the "My Documents" web portal gives instant access Time and efforts saved for printing and packaging of letters • 42 CSR Initiatives Waste management through bio- digesters, using the cattle waste to provide biogas to rural homes. Water conservation for sustainable future Waterless, Hygienic Public Restrooms Tree plantation for greening the urban space Grass plantation for cattle by feeding healthy fresh green fodder We Contribute Towards Water Waste Management Recycling Disaster Relief Renewable Energy Preserve Historical Sites Support Tech Incubators 43 CSR Initiatives Sustainable Livelihood from Beekeeping & Biodiversity Enhancement • Livelihood skill development for 790 women members of various Self Help Groups (SHG) & 40 youth in beekeeping indigenous bees – apiscerana indica • Market linkage established between honey producers and local farmer production organisation • • Enhanced quality of honey & source of income for wome