DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2025-26:017 April 25, 2025 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 001 National Stock Exchange of India Limited, Exchange Plaza, B

INR 1,10,000 crore

for such third-party statements and projections. 2 Q4FY25 Highlights Total business has crossed INR 1,10,000 crores Steady improvement in core fee income: INR 161 crores Q4FY25 Steady investments in front line +

INR 161 crore

ighlights Total business has crossed INR 1,10,000 crores Steady improvement in core fee income: INR 161 crores Q4FY25 Steady investments in front line + branch infrastructure: 464 Branches, seven branches ad

16.77%

nch infrastructure: 464 Branches, seven branches added in Q4FY25 Strong capital adequacy ratio: 16.77% Top 20 deposits: 6.61% Savings Account growth: 19.36% Y-o-Y CASA Ratio at 24.52% Provision Cov

6.61%

Branches, seven branches added in Q4FY25 Strong capital adequacy ratio: 16.77% Top 20 deposits: 6.61% Savings Account growth: 19.36% Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Per

19.36%

n Q4FY25 Strong capital adequacy ratio: 16.77% Top 20 deposits: 6.61% Savings Account growth: 19.36% Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA:

24.52%

equacy ratio: 16.77% Top 20 deposits: 6.61% Savings Account growth: 19.36% Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Adva

74.48%

sits: 6.61% Savings Account growth: 19.36% Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposi

2.99%

Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposits growth: +21.64% Y-o-Y Continued granula

1.12%

o at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposits growth: +21.64% Y-o-Y Continued granular loan book (87%

24.73%

verage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposits growth: +21.64% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Cr

21.64%

e Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposits growth: +21.64% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Credit cost: 0.36% 3 Performance

“• 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 agroforestry plantation project also positively impacts the wider community, benefiting a total population of 2,074 individuals across 347 households Work was generated for 4,000+ days Carbon Sequestration potential is 10,00,000 metric tonnes per year in the future 45 Restoration & Innovative Protected Irrigation Interventions ...”

Strong capital adequacy ratio

1

Savings Account growth

1

The Innovation Centre will serve as a hub for

1

Transformation

1

Customer-Centric Solutions

1

Strategic Partnerships

1

Operational Efficiency

1

Deshnok Oran

1

Savings Account growth

19.36% Y-o-Y CASA Ratio at 24.52% Provision Coverage Ratio: 74.48% Performance Highlights Gross NPA: 2.99% & Net NPA: 1.12% Advances growth: +24.73% Y-o-Y Deposits growth: +21.64% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Credit cost: 0.36% 3 Performance Highlights – Q4FY25 INR 76,810 crores ( +21.85% Y-o-Y ) Balance Sheet Size INR 177 crores ( +13.74% Y-o-Y ) Profit After Tax 24.52% (Q4FY24: 26.02%) CASA Ratio INR 51,047 crores ( +24.73% Y-o-Y ) Advances 2.99% (Q4FY24: 3.23%) Gross NPA 16.77% (Q4FY24: 16.59%) Capital Adequacy Ratio INR 60,031 crores ( +21.64% Y-o-Y ) Deposits 1.12% (Q4FY24: 1.11%) Net NPA 74.48% (Q4FY24: 77.30%) Provision Coverage Ratio Advances growth compared with Q4FY24: Mortgages +21% Y-o-Y Co-lending +117% Y-o-Y Construction Finance +38% Y-o-Y AIB +14% Y-o-Y 4 Performance Highlights – FY2025 INR 76,810 crores ( +21.85% Y-o-Y ) Balance Sheet Size INR 615 crores ( +14.81% Y-o-Y ) Profit After Tax 24.52% (FY24: 26.02%) CASA Ratio INR 51,047 crore

Operational Efficiency

Streamline processes to enhance productivity and optimize cost 14 Leading to Enhanced Digital Footprint Digital Transactions (% of Total Transactions) Personal Internet Banking Transactions (In Lakhs) 98% 98% 97% 97% 96% 2.9 3.0 3.3 2.4 2.6 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 UPI Transactions (In Lakhs) Mobile Banking Financial Transactions (In Lakhs) 180.2 196.9 155.2 224.6 242.8 18.2 16.6 14.7 12.4 13.0 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 15 Board & Management Eminent Board of Directors Amyn Jassani Independent Director Farokh Subedar Independent Director and Chairman Iqbal Khan Non-Executive (Non-Independent) Director A Fellow Member of the Institute of Chartered Accountants with more than 30 years of experience, mainly with the big four accounting firms. He is also a Fellow member of the Institute of Company Secretaries of India and has passed the Certified Information System Auditor’s (CISA) and Social Auditor’s C

Deshnok Oran

Restoring Sacred Grove for Biodiversity, People and Water Harvesting, Bikaner dist., Rajasthan We Contribute Towards Agroecological approaches to pesticide-free farming to support biodiversity and beekeeping in the Sathyamangalam Tiger Reserve, Erode dist., Tamil Nadu Water Waste Management Recycling Disaster Relief Renewable Energy Preserve Historical Sites Support Tech Incubators 44 Plantation of 50,000 trees for trees for carbon neutrality …Sonebhadra district, Uttar Pradesh Planted 50,000 fruiting trees Total of 33 farmers have directly benefited from the plantation of diverse fruit 644 male workers and 547 female workers were actively involved. The agroforestry plantation project also positively impacts the wider community, benefiting a total population of 2,074 individuals across 347 households Work was generated for 4,000+ days Carbon Sequestration potential is 10,00,000 metric tonnes per year in the future 45 Restoration & Innovative Protected Irrigation Interventions ... for D