DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2025-26:203 October 17, 2025 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited, Exchange Plaza,

INR 1,17,000 crore

for such third-party statements and projections. 2 Q2FY26 Highlights Total business has crossed INR 1,17,000 crores Strong core fee income: INR 158 crores Q2FY26 468 Branches – Pan India presence, with no concen

INR 158 crore

ns. 2 Q2FY26 Highlights Total business has crossed INR 1,17,000 crores Strong core fee income: INR 158 crores Q2FY26 468 Branches – Pan India presence, with no concentration in any state/ geography Health

16.41%

n India presence, with no concentration in any state/ geography Healthy capital adequacy ratio: 16.41% Top 20 deposits: 6.86% Savings Account growth: 9.29% Y-o-Y CASA Ratio at 23.52% Provision Cove

6.86%

concentration in any state/ geography Healthy capital adequacy ratio: 16.41% Top 20 deposits: 6.86% Savings Account growth: 9.29% Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Perf

9.29%

ography Healthy capital adequacy ratio: 16.41% Top 20 deposits: 6.86% Savings Account growth: 9.29% Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA:

23.52%

dequacy ratio: 16.41% Top 20 deposits: 6.86% Savings Account growth: 9.29% Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Adva

74.15%

osits: 6.86% Savings Account growth: 9.29% Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposi

2.91%

Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposits growth: +18.79% Y-o-Y Continued granula

1.21%

o at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposits growth: +18.79% Y-o-Y Continued granular loan book (86%

19.14%

verage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposits growth: +18.79% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Cr

18.79%

e Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposits growth: +18.79% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Credit cost: 0.31% 3 Performance

“**Shares pertaining to unpaid dividend amounts, transferred as per regulatory requirement • 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.”

“o ASBA services will be available through both eASBA and Branch ASBA modes.”

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

“o TPAPs offers mobile applications and services integrating with UPI, facilitating digital payments and transactions for consumers o Loyalty program by Niyo with aim to reward loyal and high-value users.”

Healthy capital adequacy ratio

1

Savings Account growth

1

Active Presence

1

Showcasing Partnerships

1

Senior Management Engagement

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

9.29% Y-o-Y CASA Ratio at 23.52% Provision Coverage Ratio: 74.15% Performance Highlights Gross NPA: 2.91% & Net NPA: 1.21% Advances growth: +19.14% Y-o-Y Deposits growth: +18.79% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Credit cost: 0.31% 3 Performance Highlights – Q2FY26 INR 78,890 crores ( +14.41% Y-o-Y ) Balance Sheet Size INR 184 crores ( +18.29% Y-o-Y ) Profit After Tax 23.52% (Q2FY25: 25.61%) CASA Ratio INR 52,975 crores ( +19.14% Y-o-Y ) Advances 2.91% (Q2FY25: 3.29%) Gross NPA 16.41% (Q2FY25: 15.55%) Capital Adequacy Ratio INR 64,777 crores ( +18.79% Y-o-Y ) Deposits 1.21% (Q2FY25: 1.17%) Net NPA 74.15% (Q2FY25: 75.62%) Provision Coverage Ratio Advances growth compared with Q2FY25: Mortgages +13% Y-o-Y Co-lending +140% Y-o-Y Construction Finance +29% Y-o-Y AIB +13% 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 crores

Showcasing Partnerships

• • 13 Product/Service launched Demonstrated DCB Bank’s fintech collaborations with Upswing, Onecard, Niyo, Zet, Spense, Ring.Ai, GreyLabs etc.

Senior Management Engagement

• Participation from DCB leadership team and interactions with key industry delegates, regulators, and fintech partners Outcomes & Takeaways: • Strengthened DCB’s position as a digital-first and partnership-driven bank • • Enhanced brand visibility among fintechs, regulators, and industry leaders Positive engagement and networking opportunities paving the way for new fintech collaborations. Leading to Enhanced Digital Footprint Digital Transactions (% of Total Transactions) Personal Internet Banking Transactions (In Lakhs) 97% 98% 98% 98% 99% 2.9 3.0 3.3 3.2 3.7 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 UPI Transactions (In Lakhs) Mobile Banking Financial Transactions (In Lakhs) 224.6 242.8 196.9 290.8 261.8 20.8 18.2 18.7 16.6 14.7 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 15 Board & Management Eminent Board of Directors Farokh Subedar (till October 14, 2025) Independent Director and Chairman A Member of the Institute of Chartere

Operational Efficiency

Streamline processes to enhance productivity and optimize cost 42 Digital Initiatives & Enhancements ASBA Enhancements 1.Basic Research Security Readiness Level in DCB Mobile 1.Basic Research Banking App Pragati Deposit from DCB Mobile 1.Basic Research Banking App Temporary Block UPI and Debit card 1.Basic Research Via SMS short code o Customer's can apply for IPOs using multiple Demat accounts through a single bank account. o ASBA services will be available through both eASBA and Branch ASBA modes. Also modification of Demat account details can be done by customer. o A self-health check basis customer induced security readiness through MB to educate customer. o A score card will be displayed which will evaluate risk or possible miss from customers in digital arena. o Recurring Deposits can now be booked through the DCB Mobile Banking App. o Disciplined way to save a fixed amount each month. o Quick and hassle-free way to block their digital services as soon as they realize an unauthor

The exhibition was structured into four pillars

1. Launchpad (Onboarding Platforms), 2. Bank MYWAY (Servicing), 3. Smart & Secure (Security & Automation) & 4. Data Analytics & AI (Big Data & AI Enabled initiatives) 44 CSR Initiatives Siliserh Lake Catchment restoration: Water for Human, Livestock & Sariska’s Wildlife, Alwar, Rajasthan Beekeeping-Based Livelihood Development Project in Banki, Cuttack, Odisha Enabling Community Forest Management in Bastar, Chhattisgarh Integrated Development of Communities through Watershed Development in Jalna, Maharashtra Afforestation, Miyawaki Plantation at Gurugram Metropolitan Development Authority (GMDA), Gurugram, Haryana We Contribute Towards Restoring Grasslands for Biodiversity Conservation, Sustainable Livelihoods, and Climate Mitigation in Pune, Maharashtra Water Waste Management Recycling Disaster Relief Renewable Energy Preserve Historical Sites Support Tech Incubators 45 Implementing Restoration & Innovating Protective Irrigation …interventions for dryland agricultural farmers, Koppal