DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2025-26:122 July 31, 2025 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited, Exchange Plaza,

INR 1,13,000 crore

for such third-party statements and projections. 2 Q1FY26 Highlights Total business has crossed INR 1,13,000 crores Steady improvement in core fee income: INR 134 crores Q1FY26 Steady investments in front line +

INR 134 crore

ighlights Total business has crossed INR 1,13,000 crores Steady improvement in core fee income: INR 134 crores Q1FY26 Steady investments in front line + branch infrastructure: 465 Branches, one branches adde

16.66%

ranch infrastructure: 465 Branches, one branches added in Q1FY26 Strong capital adequacy ratio: 16.66% Top 20 deposits: 6.81% Savings Account growth: 10.28% Y-o-Y CASA Ratio at 23.32% Provision Cov

6.81%

Branches, one branches added in Q1FY26 Strong capital adequacy ratio: 16.66% Top 20 deposits: 6.81% Savings Account growth: 10.28% Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Per

10.28%

n Q1FY26 Strong capital adequacy ratio: 16.66% Top 20 deposits: 6.81% Savings Account growth: 10.28% Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA:

23.32%

equacy ratio: 16.66% Top 20 deposits: 6.81% Savings Account growth: 10.28% Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Adva

74.04%

sits: 6.81% Savings Account growth: 10.28% Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposi

2.98%

Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposits growth: +20.02% Y-o-Y Continued granula

1.22%

o at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposits growth: +20.02% Y-o-Y Continued granular loan book (87%

21.42%

verage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposits growth: +20.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Cr

20.02%

e Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposits growth: +20.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Credit cost: 0.59% 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.”

“Enable email OTP for Payee addition to NRI customer – PIB/ MB o o This project enables Email OTP for NRI customers while adding a payee in PIB and MB.”

“Due to constantly travelling across countries, sometimes the OTP on Mobile does not reach them, hence this facility of sending the OTP on email will be beneficial to NR customers.”

“Email Update functionality will be available in Services section & Profile section of the Mobile Banking Application.”

“Enables access to TD information & other deposit related services such as payless credit card, add/edit nominee, interest certificate, form 15G/H will be provided.”

“A score card will be displayed which will evaluate risk or possible miss from customers in digital arena.”

“68 beekeepers harvested 127 kg of honey under the project.”

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

Savings Account growth

10.28% Y-o-Y CASA Ratio at 23.32% Provision Coverage Ratio: 74.04% Performance Highlights Gross NPA: 2.98% & Net NPA: 1.22% Advances growth: +21.42% Y-o-Y Deposits growth: +20.02% Y-o-Y Continued granular loan book (87% at INR 3 crore below) Credit cost: 0.59% 3 Performance Highlights – Q1FY26 INR 77,395 crores ( +19.96% Y-o-Y ) Balance Sheet Size INR 157 crores ( +19.72% Y-o-Y ) Profit After Tax 23.32% (Q1FY25: 25.41%) CASA Ratio INR 51,215 crores ( +21.42% Y-o-Y ) Advances 2.98% (Q1FY25: 3.33%) Gross NPA 16.66% (Q1FY25: 15.95%) Capital Adequacy Ratio INR 62,039 crores ( +20.02% Y-o-Y ) Deposits 1.22% (Q1FY25: 1.18%) Net NPA 74.04% (Q1FY25: 76.00%) Provision Coverage Ratio Advances growth compared with Q1FY25: Mortgages +17% Y-o-Y Co-lending +162% Y-o-Y Construction Finance +34% Y-o-Y AIB +12% 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% 98% 2.9 3.0 2.6 3.3 3.2 97% 97% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 UPI Transactions (In Lakhs) Mobile Banking Financial Transactions (In Lakhs) 242.8 261.8 224.6 180.2 196.9 18.2 18.7 16.6 14.7 13.0 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 15 Board & Management Eminent Board of Directors Farokh Subedar Independent Director and Chairman Lakshmy Chandrasekaran Independent Director A Member of the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India. He has vast experience in the areas of business management, finance, taxation, law, risk management and accounts. He has been also functioned as the Chief Financial Officer and Company Secretary of Tata Sons Limited. A Member of the I