DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2023-24:203 October 31, 2023 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 023. National Stock Exchange of India Limited, Exchange Plaza,

INR 97 crore

rd-party statements and projections. 2 Q2FY24 Highlights Steady improvement in core fee income: INR 97 crores Q2FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 439 Branche

0.28%

. 2 Q2FY24 Highlights Steady improvement in core fee income: INR 97 crores Q2FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 439 Branches, 3 branches added in Q2FY2

16.55%

branch infrastructure: 439 Branches, 3 branches added in Q2FY24 Strong capital adequacy ratio: 16.55% Advances growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 d

19.13%

9 Branches, 3 branches added in Q2FY24 Strong capital adequacy ratio: 16.55% Advances growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 7.06% Performanc

85%

ong capital adequacy ratio: 16.55% Advances growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 7.06% Performance Highlights Deposits growth: +23.10% Y-

INR 3 crore

ital adequacy ratio: 16.55% Advances growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 7.06% Performance Highlights Deposits growth: +23.10% Y-o-Y Slightly h

7.06%

s growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 7.06% Performance Highlights Deposits growth: +23.10% Y-o-Y Slightly higher slippages in Mortgages,

23.10%

ook (85% at INR 3 crore below) Top 20 deposits: 7.06% Performance Highlights Deposits growth: +23.10% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.36% an

3.36%

+23.10% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.36% and Net NPA: 1.28% Provision Coverage Ratio: 75.49% Savings Account growth: 5.28% Y-o-Y CASA R

1.28%

htly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.36% and Net NPA: 1.28% Provision Coverage Ratio: 75.49% Savings Account growth: 5.28% Y-o-Y CASA Ratio at 25.04% Tota

75.49%

s, recoveries expected to pick up Gross NPA: 3.36% and Net NPA: 1.28% Provision Coverage Ratio: 75.49% Savings Account growth: 5.28% Y-o-Y CASA Ratio at 25.04% Total business has crossed INR 75,000

“% 5.20 4.47 4.22 4.00 3.35 2.95 2.89 2.43 2.28 1.49 1.38 1.13 1.08 • 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.”

“The Bank’s CSR partnership project Protection Of Wildlife Corridor Via Reforestation and Alternative Livelihood Programme - Panna Tiger Reserve with the CSR project implementation partner Last Wilderness Foundation won the Best Corporate (non-profit partnership category) Award.”

“This project aimed to incentivise local communities and protect the region on a landscape level by introducing initiatives and pilot schemes that would reduce animal conflict, protect biodiversity, and provide alternative sources of sustainable livelihood income to individuals living in close proximity to wildlife.”

Steady improvement in core fee income

1

Strong capital adequacy ratio

1

Savings Account growth

1

DCB Bank received two CSR Awards at the ACEF Forum

1

Steady improvement in core fee income

INR 97 crores Q2FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 439 Branches, 3 branches added in Q2FY24

Strong capital adequacy ratio

16.55% Advances growth: +19.13% Y-o-Y Continued granular loan book (85% at INR 3 crore below) Top 20 deposits: 7.06% Performance Highlights Deposits growth: +23.10% Y-o-Y Slightly higher slippages in Mortgages, recoveries expected to pick up Gross NPA: 3.36% and Net NPA: 1.28% Provision Coverage Ratio: 75.49%

Savings Account growth

5.28% Y-o-Y CASA Ratio at 25.04% Total business has crossed INR 75,000 crores 3 Performance Highlights – Q2FY24 INR 57,710 crores ( +23.36% Y-o-Y ) Balance Sheet Size INR 127 crores ( +12.85% Y-o-Y ) Profit After Tax 25.04% (Q2FY23: 29.34%) CASA Ratio INR 37,276 crores ( +19.13% Y-o-Y ) Advances 3.36% (Q2FY23: 3.89%) Gross NPA 16.55% (Q2FY23: 17.91%) Capital Adequacy Ratio INR 45,496 crores ( +23.10% Y-o-Y ) Deposits 1.28% (Q2FY23: 1.54%) Net NPA 75.49% (Q2FY23: 72.83%) Provision Coverage Ratio Advances growth compared with Q2FY23: Mortgages +23% Q-o-Q Co-lending +91% Q-o-Q Construction Finance +40% Q-o-Q AIB +29% 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% (FY22: 26.75%) CASA Ratio INR 34,378 crores ( +18.15% Y-o-Y ) Advances* 3.19% (FY22: 4.32%) Gross NPA 17.55% (FY22: 18.92%) Capital Adequacy Ratio INR 41,239 crores ( +18.87% Y-o-Y ) Deposits 1.04% (FY22: 1.97%) Net NPA 79.34%

DCB Bank received two CSR Awards at the ACEF Forum

The Bank bagged Gold in the Grand Prix 2023 category which recognizes overall Excellence in Social Responsibility by focusing on projects in remote locations to contribute to society and create sustainable livelihood opportunities for tribal communities. The Bank’s projects for 1) Coastal ecosystem-based livelihoods through beekeeping. 2) Livelihood improvement programme through aquaculture. 3) Mangrove plantation. 4) Rainwater recharge wells were recognized in this category. The Bank’s CSR partnership project Protection Of Wildlife Corridor Via Reforestation and Alternative Livelihood Programme - Panna Tiger Reserve with the CSR project implementation partner Last Wilderness Foundation won the Best Corporate (non-profit partnership category) Award. This project aimed to incentivise local communities and protect the region on a landscape level by introducing initiatives and pilot schemes that would reduce animal conflict, protect biodiversity, and provide alternative sources of sustain