Investor Presentation

Ref. No.CO:CS:RC:2026-27:090 July 24, 2026 BSE Limited, National Stock Exchange of India Limited, P J Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai – 400 051. Mumbai - 400 001. BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK Dear Sirs, Sub: Investor Presentation-Q1 FY27 Please find attached the Investor Presentation which will be referred during the earnings call with analysts and investors for the financial results of the Bank for the quarter ended June 30, 2026. The said presentation is being uploaded on the website of the Bank and can be accessed at www.dcb.bank.in This is for your information and records. Thanking you, Yours faithfully, For DCB Bank Limited Rubi Chaturvedi Company Secretary & Compliance Officer Encl: As above. DCB Bank Limited Corporate & Registered Office: 6th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013 CIN: L99999MH1995PLC089008 Tel: +91 22 66187000 Fax: +91 22 66589970 Website: www.dcb.bank.in DCB Bank Limited Investor Presentation – Q1 FY27 Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by DCB Bank Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed informationabout the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentationis expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adoptedby the Companyand the Companyis not responsiblefor such third-party statementsand projections. Q1FY27 Highlights Total business has crossed INR 1,34,000 crores Strong core fee income: INR 175 480 Branches – Steady investments in front line + branch crores Q1FY27 infrastructure Healthy capital adequacy ratio: Advances growth: +17.06% Y-o-Y 17.03% Top 20 deposits: 6.81% Deposits growth: +20.06% Y-o-Y Performance Highlights Savings Account growth: 12.66% Y-o-Y PAT: INR 213 crores (Growth: +35.57% Y-o-Y) CASA Ratio at 21.65% Credit cost: 0.26% Provision Coverage Ratio: 79.81% Gross NPA: 2.43% & Net NPA: 0.84% Performance Highlights – Q1FY27 INR 88,752 crores INR 59,951 crores INR 74,482 crores ( +14.67% Y-o-Y ) ( +17.06% Y-o-Y ) ( +20.06% Y-o-Y ) Balance Sheet Size Advances Deposits INR 213 crores 2.43% 0.84% ( +35.57% Y-o-Y ) (Q1FY26: 2.98%) (Q1FY26: 1.22%) Profit After Tax Gross NPA Net NPA 21.65% 17.03% 79.81% (Q1FY26: 23.32%) (Q1FY26: 16.66%) (Q1FY26: 74.04%) CASA Ratio Capital Adequacy Provision Coverage Ratio Ratio Advances growth Retail Mortgages Co-lending Construction Finance AIB compared with Q1FY26: +7% Y-o-Y -5% Y-o-Y +7% Y-o-Y +23% Y-o-Y Performance Highlights – FY2026 INR 88,069 crores INR 60,022 crores INR 72,583 crores ( +14.66% Y-o-Y ) ( +17.58% Y-o-Y ) ( +20.91% Y-o-Y ) Balance Sheet Size Advances* Deposits INR 732 crores 2.45% 0.89% ( +18.89% Y-o-Y ) (FY25: 2.99%) (FY25: 1.12%) Profit After Tax Gross NPA Net NPA 22.38% 16.55% 78.42% (FY25: 24.52%) (FY25: 16.77 %) (FY25: 74.48%) CASA Ratio Capital Adequacy Provision Coverage Ratio Ratio Retail Mortgages Co-lending Construction Finance AIB +8% Y-o-Y +25% Y-o-Y +14% Y-o-Y +19% Y-o-Y About Us About Us • To be the most innovative and responsive • New generation private sector bank with PAN neighborhood bank in India serving India presence through branches across entrepreneurs, individuals, and businesses majority of States and Union Territories while ensuring strong governance, good Background Company Vision working atmosphere for employees and be • A National Bank catering to self employed responsible towards society and segment. environment • Mortgage, MSME/SME, Educational Institutional loans, Agri and Gold Loan focus • Promoted by the Aga Khan Fund for • Granular secured small ticket lending Economic Development (AKFED) & • Diversified portfolio (Deposits and Advances) Platinum Jubilee Investments Limited (holds 16.23%) • Proven capital efficient business model Promoter & • Stable & skilled management team Attributes • Institutions (including FII + FPI) 45.76% Shareholding • Expanding branch network (non promotor institutional shareholding above 1% is 32.20%) • Technology savvy & innovative, with cutting edge technology products • Efficient capital consumption & strong Capital Adequacy Business Strategy 01 02 03 04 05 06 Target self-employed, Create a diversified, Limit Corporate, Focus on retail Rely mainly on Retail Target Tier 2 to Tier 6 MSME/SME, Retail secured and granular unsecured and lumpy Mortgages*, Deposits (CASA, Term locations segment. Focus on portfolio exposures MSME/SME Overdraft Deposits). Limit products that enhance and Term Loans, dependency on bulk customer engagement. Educational Institutional deposits. Use long Loans, Tractor Finance, term refinance options KCC, Gold Loans, (SIDBI, NABARD and Construction Finance, NHB) TReDS and Co-lending 07 08 09 10 11 12 13 We have the opportunity to scale up Continuously strengthen Invest continuously in Generate steady Continuously improve Form strategic Provide apt financial into an organisation, credit (underwriting, digital agenda to granular Fee Income Liquidity management, alliances to enhance solution to meet the which provides timely, collections, recoveries, improve frontline and through bancassurance, Cost productivity, products, segments surplus, deficit, risk tailormade solutions portfolio monitoring and customer experience mutual funds, trade, Operational Risks and and distribution protection and trade that meet all the analytics) remittances, foreign HR processes finance requirements financial needs of the exchange and cash of self-employed self-employed management customers. businessmen in every neighborhood where we operate. *Includes Home Loan & LAP Wide Range of Products Retail and Agri & Inclusive Banking Third Party Advances Focused on Deposit Products Cards Payments Other Services Distributions Secured Lending Current and Savings Debit Card Bill / Utility Paym [Showing first 8,000 characters — download PDF for full document]