DCB Bank Limited

rs,

Ref. No.CO:CS:RC:2023-24:279 January 24, 2024 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 023. National Stock Exchange of India Limited, Exchange Plaza,

INR 98 crore

rd-party statements and projections. 2 Q3FY24 Highlights Steady improvement in core fee income: INR 98 crores Q3FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 440 Branche

0.28%

. 2 Q3FY24 Highlights Steady improvement in core fee income: INR 98 crores Q3FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 440 Branches, one branch added in Q3FY2

15.72%

branch infrastructure: 440 Branches, one branch added in Q3FY24 Strong capital adequacy ratio: 15.72% Advances growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 d

18.16%

0 Branches, one branch added in Q3FY24 Strong capital adequacy ratio: 15.72% Advances growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 deposits: 6.75% Performanc

86%

ong capital adequacy ratio: 15.72% Advances growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 deposits: 6.75% Performance Highlights Deposits growth: +19.27% Y-

INR 3 crore

ital adequacy ratio: 15.72% Advances growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 deposits: 6.75% Performance Highlights Deposits growth: +19.27% Y-o-Y Slightly h

6.75%

s growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 deposits: 6.75% Performance Highlights Deposits growth: +19.27% Y-o-Y Slightly higher slippages in Mortgages,

19.27%

ook (86% at INR 3 crore below) Top 20 deposits: 6.75% Performance Highlights Deposits growth: +19.27% Y-o-Y Slightly higher slippages in Mortgages, improving recoveries and upgrades Gross NPA: 3.43%

3.43%

9.27% Y-o-Y Slightly higher slippages in Mortgages, improving recoveries and upgrades Gross NPA: 3.43% and Net NPA: 1.22% Provision Coverage Ratio: 76.42% Savings Account growth: 14.85% Y-o-Y CASA

1.22%

y higher slippages in Mortgages, improving recoveries and upgrades Gross NPA: 3.43% and Net NPA: 1.22% Provision Coverage Ratio: 76.42% Savings Account growth: 14.85% Y-o-Y CASA Ratio at 26.13% Tot

76.42%

improving recoveries and upgrades Gross NPA: 3.43% and Net NPA: 1.22% Provision Coverage Ratio: 76.42% Savings Account growth: 14.85% Y-o-Y CASA Ratio at 26.13% Total business has crossed INR 85,00

“• 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.”

“The Bank’s CSR partnership project Protection Of Wildlife Corridor Via Reforestation and Alternative Livelihood Programme - Panna Tiger Reserve with the CSR project implementation partner Last Wilderness Foundation won the Best Corporate (non-profit partnership category) Award.”

“This project aimed to incentivise local communities and protect the region on a landscape level by introducing initiatives and pilot schemes that would reduce animal conflict, protect biodiversity, and provide alternative sources of sustainable livelihood income to individuals living in close proximity to wildlife.”

Steady improvement in core fee income

1

Strong capital adequacy ratio

1

Savings Account growth

1

DCB Bank received two CSR Awards at the ACEF Forum

1

Steady improvement in core fee income

INR 98 crores Q3FY24 Credit cost: 0.28% Steady investments in front line + branch infrastructure: 440 Branches, one branch added in Q3FY24

Strong capital adequacy ratio

15.72% Advances growth: +18.16% Y-o-Y Continued granular loan book (86% at INR 3 crore below) Top 20 deposits: 6.75% Performance Highlights Deposits growth: +19.27% Y-o-Y Slightly higher slippages in Mortgages, improving recoveries and upgrades Gross NPA: 3.43% and Net NPA: 1.22% Provision Coverage Ratio: 76.42%

Savings Account growth

14.85% Y-o-Y CASA Ratio at 26.13% Total business has crossed INR 85,000 crores 3 Performance Highlights – Q3FY24 INR 59,804 crores ( +19.93% Y-o-Y ) Balance Sheet Size INR 127 crores ( +11.18% Y-o-Y ) Profit After Tax 26.13% (Q3FY23: 27.62%) CASA Ratio INR 38,951 crores ( +18.16% Y-o-Y ) Advances 3.43% (Q3FY23: 3.62%) Gross NPA 15.72% (Q3FY23: 16.26%) Capital Adequacy Ratio INR 47,120 crores ( +19.27% Y-o-Y ) Deposits 1.22% (Q3FY23: 1.37%) Net NPA 76.42% (Q3FY23: 74.68%) Provision Coverage Ratio Advances growth compared with Q3FY23: Mortgages +25% Y-o-Y Co-lending +60% Y-o-Y Construction Finance +31% Y-o-Y AIB +28% Y-o-Y 4 Performance Highlights – FY2023 INR 52,366 crores ( +16.91% Y-o-Y ) Balance Sheet Size INR 466 crores ( +61.93% Y-o-Y ) Profit After Tax 26.42% (FY22: 26.75%) CASA Ratio INR 34,378 crores ( +18.15% Y-o-Y ) Advances* 3.19% (FY22: 4.32%) Gross NPA 17.55% (FY22: 18.92%) Capital Adequacy Ratio INR 41,239 crores ( +18.87% Y-o-Y ) Deposits 1.04% (FY22: 1.97%) Net NPA 79.34

DCB Bank received two CSR Awards at the ACEF Forum

The Bank bagged Gold in the Grand Prix 2023 category which recognizes overall Excellence in Social Responsibility by focusing on projects in remote locations to contribute to society and create sustainable livelihood opportunities for tribal communities. The Bank’s projects for 1) Coastal ecosystem-based livelihoods through beekeeping. 2) Livelihood improvement programme through aquaculture. 3) Mangrove plantation. 4) Rainwater recharge wells were recognized in this category. The Bank’s CSR partnership project Protection Of Wildlife Corridor Via Reforestation and Alternative Livelihood Programme - Panna Tiger Reserve with the CSR project implementation partner Last Wilderness Foundation won the Best Corporate (non-profit partnership category) Award. This project aimed to incentivise local communities and protect the region on a landscape level by introducing initiatives and pilot schemes that would reduce animal conflict, protect biodiversity, and provide alternative sources of sustain