DCB Bank Limited

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Ref. No.CO:CS:RC:2025-26:231 November 14, 2025 BSE Limited P. J. Towers, Dalal Street, Fort, Mumbai - 400 001 Scrip Code: 532772 Dear Sirs, National Stock Exchange of

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Officer DCB Bank Limited DCB Bank Limited 1 DCB Bank – Price to Book (P/BV) ratio for Last 15 years 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q

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ios - Average for 12 Quarters (Q4 FY16-17 to Q3 FY19-20) Sr. No. Parameters Average for 12 Quarters 1 2 3 4 5 6 7 8 9 10 11 12 Growth - Advances Growth - Deposits Yield on Advances Cost of

21.17%

Operating Leverage Return on Average Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DC

20.50%

ing Leverage Return on Average Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank L

11.46%

rage Return on Average Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited

6.63%

turn on Average Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How

3.94%

Average Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How did we

1.87%

e Assets (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How did we fare in

0.50%

s (ROA) Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How did we fare in the la

2.72%

Return on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How did we fare in the last 6 qu

1.59x

n on Equity (ROE) Price to Book (P/BV) 21.17% 20.50% 11.46% 6.63% 3.94% 1.87% 0.50% 2.72% 1.59x 0.96% 11.30% 2.12 DCB Bank Limited DCB Bank Limited 3 How did we fare in the last 6 quarters?

There are DCB Bank customers with

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There are DCB Bank customers with

1.7 Gold Loans outside DCB Bank 3.3 Home Loans outside DCB Bank 1.7 Business Loans outside DCB Bank 0.9 Overdraft Loans outside DCB Bank ❑ Data Source – Bureau Scrub after May 2025 repository ❑ Ratio is customer with active product offus to active customer on us for that product DCB Bank Limited DCB Bank Limited 18 The Treasure Within……. Savings A/c Only Customer Base • Low balance low bureau score, a gold mine for gold loan • Low balance low bureau score, right fit for secured card • Low balance high bureau score, apt for TD • UPI – Chasing the flow for getting the float Opportunity disguised as deadwood DCB Bank Limited DCB Bank Limited 19 The Treasure Within……. Did you know ? 10.1% of all Indian Debit Card international spends in June 2025 happened through DCB Bank NiYo cards. 2.1% of all Indian (Debit +Credit+Prepaid) Card international spends in June 2025 happened through DCB Bank NiYo cards. ❑ Data Source – www.rbi.org.in DCB Bank Limited DCB Bank Limited 20 The Treasure Within……