DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2024-25:292 January 24, 2025 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited, Exchange Plaza,

INR 1,00,000 crore

for such third-party statements and projections. 2 Q3FY25 Highlights Total business has crossed INR 1,00,000 crores Steady improvement in core fee income: INR 141 crores Q3FY25 Steady investments in front line +

INR 141 crore

ighlights Total business has crossed INR 1,00,000 crores Steady improvement in core fee income: INR 141 crores Q3FY25 Steady investments in front line + branch infrastructure: 457 Branches, six branches adde

16.29%

ranch infrastructure: 457 Branches, six branches added in Q3FY25 Strong capital adequacy ratio: 16.29% Advances growth: +22.67% Y-o-Y Top 20 deposits: 6.97% Deposits growth: +20.28% Y-o-Y Savings Ac

22.67%

Branches, six branches added in Q3FY25 Strong capital adequacy ratio: 16.29% Advances growth: +22.67% Y-o-Y Top 20 deposits: 6.97% Deposits growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-

6.97%

n Q3FY25 Strong capital adequacy ratio: 16.29% Advances growth: +22.67% Y-o-Y Top 20 deposits: 6.97% Deposits growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-Y Continued granular loan boo

20.28%

adequacy ratio: 16.29% Advances growth: +22.67% Y-o-Y Top 20 deposits: 6.97% Deposits growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-Y Continued granular loan book (87% at INR 3 crore bel

17.02%

th: +22.67% Y-o-Y Top 20 deposits: 6.97% Deposits growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Performance Highlights CASA Rati

87%

posits growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Performance Highlights CASA Ratio at 25.09% Credit cost: 0.38% Provision

INR 3 crore

growth: +20.28% Y-o-Y Savings Account growth: 17.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Performance Highlights CASA Ratio at 25.09% Credit cost: 0.38% Provision Coverage Ratio

25.09%

Y Continued granular loan book (87% at INR 3 crore below) Performance Highlights CASA Ratio at 25.09% Credit cost: 0.38% Provision Coverage Ratio: 74.76% Overall slippages ratio moderate, recoverie

0.38%

loan book (87% at INR 3 crore below) Performance Highlights CASA Ratio at 25.09% Credit cost: 0.38% Provision Coverage Ratio: 74.76% Overall slippages ratio moderate, recoveries expected to pick u

“• 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.”

Strong capital adequacy ratio

1

Savings Account growth

1

Savings Account growth

17.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Performance Highlights CASA Ratio at 25.09% Credit cost: 0.38% Provision Coverage Ratio: 74.76% Overall slippages ratio moderate, recoveries expected to pick up Gross NPA: 3.11% & Net NPA: 1.18% 3 Performance Highlights – Q3FY25 INR 71,567 crores ( +19.67% Y-o-Y ) Balance Sheet Size INR 151 crores ( +19.64% Y-o-Y ) Profit After Tax 25.09% (Q3FY24: 26.13%) CASA Ratio INR 47,780 crores ( +22.67% Y-o-Y ) Advances 3.11% (Q3FY24: 3.43%) Gross NPA 16.29% (Q3FY24: 15.72%) Capital Adequacy Ratio INR 56,678 crores ( +20.28% Y-o-Y ) Deposits 1.18% (Q3FY24: 1.22%) Net NPA 74.76% (Q3FY24: 76.42%) Provision Coverage Ratio Advances growth compared with Q3FY24: Mortgages +21% Y-o-Y Co-lending +61% Y-o-Y Construction Finance +34% Y-o-Y AIB +21% Y-o-Y 4 Performance Highlights – FY2024 INR 63,037 crores ( +20.38% Y-o-Y ) Balance Sheet Size INR 536 crores ( +15.12% Y-o-Y ) Profit After Tax 26.02% (FY23: 26.42%) CASA Ratio INR 40,925 cro