DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2023-24:124 July 28, 2023 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 023. National Stock Exchange of India Limited, Exchange Plaza,

INR 75 crore

-party statements and projections. 2 Q1FY2024 Highlights Steady improvement in core fee income: INR 75 crores Q1FY2024 Credit cost: 0.28% Measured investments in front line + branch infrastructure: 436 Bra

0.28%

Q1FY2024 Highlights Steady improvement in core fee income: INR 75 crores Q1FY2024 Credit cost: 0.28% Measured investments in front line + branch infrastructure: 436 Branches, 9 branches added in Q1F

17.09%

ranch infrastructure: 436 Branches, 9 branches added in Q1FY2024 Strong capital adequacy ratio: 17.09% Advances growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 d

18.99%

Branches, 9 branches added in Q1FY2024 Strong capital adequacy ratio: 17.09% Advances growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 6.97% Performanc

85%

ong capital adequacy ratio: 17.09% Advances growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 6.97% Performance Highlights Deposits growth: +22.60% Y-

INR 3 crore

ital adequacy ratio: 17.09% Advances growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 6.97% Performance Highlights Deposits growth: +22.60% Y-o-Y Slightly h

6.97%

s growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 6.97% Performance Highlights Deposits growth: +22.60% Y-o-Y Slightly higher slippages in Mortgages,

22.60%

ook (85% at INR 3 crore below) Top 20 deposits: 6.97% Performance Highlights Deposits growth: +22.60% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.26% an

3.26%

+22.60% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.26% and Net NPA: 1.19% Provision Coverage Ratio: 77.07% Savings Account growth: 14.35% Y-o-Y CASA

1.19%

htly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.26% and Net NPA: 1.19% Provision Coverage Ratio: 77.07% Savings Account growth: 14.35% Y-o-Y CASA Ratio at 25.97% Tot

77.07%

s, recoveries expected to pick up Gross NPA: 3.26% and Net NPA: 1.19% Provision Coverage Ratio: 77.07% Savings Account growth: 14.35% Y-o-Y CASA Ratio at 25.97% Total business has crossed INR 75,00

“% 4.94 4.47 4.22 4.00 3.35 2.95 2.89 2.88 2.28 1.71 1.61 1.13 1.09 • 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.”

“Received Express BFSI Technology Awards 2023 on Enterprise Applications for new Mutual Fund Application & Analytics/ Big Data Express BFSI Technology Awards 2023 46 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.”

Steady improvement in core fee income

1

Strong capital adequacy ratio

1

Savings Account growth

1

Steady improvement in core fee income

INR 75 crores Q1FY2024 Credit cost: 0.28% Measured investments in front line + branch infrastructure: 436 Branches, 9 branches added in Q1FY2024

Strong capital adequacy ratio

17.09% Advances growth: +18.99% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 6.97% Performance Highlights Deposits growth: +22.60% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.26% and Net NPA: 1.19% Provision Coverage Ratio: 77.07%

Savings Account growth

14.35% Y-o-Y CASA Ratio at 25.97% Total business has crossed INR 75,000 crores 3 Performance Highlights – Q1FY2024 INR 54,974 crores ( +21.57% Y-o-Y ) Balance Sheet Size INR 127 crores ( +30.66% Y-o-Y ) Profit After Tax 25.97% (Q1FY2023: 28.57%) CASA Ratio INR 35,474 crores ( +18.99% Y-o-Y ) Advances 3.26% (Q1FY2023: 4.21%) Gross NPA 17.09% (Q1FY2023: 18.47%) Capital Adequacy Ratio INR 43,009 crores ( +22.60% Y-o-Y ) Deposits 1.19% (Q1FY2023: 1.82%) Net NPA 77.07% (Q1FY2023: 69.48%) Provision Coverage Ratio Advances growth compared with Q1FY2023: Mortgages +25% Q-o-Q Co-lending +55% Q-o-Q Construction Finance +42% Q-o-Q AIB +33% Q-o-Q 4 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 34,378 crores ( +18.15% 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 1.04% (FY2022