Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q3 FY2026 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Jan 23, 2026
Slide 1: Exchange filing cover letter: Investor Presentation Q3 FY2026
Ref. No.CO:CS:RC:2025-26:275 January 23, 2026 BSE Limited, National Stock Exchange of India Limited, P J Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai - 400 001 Mumbai – 400 051 BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK Dear Sir/ Madam, Sub: Investor Prese
Slide 2: DCB Bank Limited Investor Presentation – Q3 FY26
DCB Bank Limited Investor Presentation – Q3 FY26
Slide 3: Safe Harbour
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,
Slide 4: Q3FY26 Highlights
Q3FY26 Highlights Total business has crossed INR 1,24,000 crores Strong core fee income: INR 182 469 Branches – Steady investments in front line + branch crores Q3FY26 infrastructure Healthy capital adequacy ratio: Advances growth: +18.46% Y-o-Y 15.84% Top 20 deposits: 6.61% Deposits growth: +19.54%
Slide 5: Performance Highlights – Q3FY26
Performance Highlights – Q3FY26 INR 81,840 crores INR 56,600 crores INR 67,754 crores ( +14.35% Y-o-Y ) ( +18.46% Y-o-Y ) ( +19.54% Y-o-Y ) Balance Sheet Size Advances Deposits INR 185 crores 2.72% 1.10% ( +21.99% Y-o-Y ) (Q3FY25: 3.11%) (Q3FY25: 1.18%) Profit After Tax Gross NPA Net NPA 22.77% 15.8
Slide 6: Performance Highlights – FY2025
Performance Highlights – FY2025 INR 76,810 crores INR 51,047 crores INR 60,031 crores ( +21.85% Y-o-Y ) ( +24.73% Y-o-Y ) ( +21.64% Y-o-Y ) Balance Sheet Size Advances* Deposits INR 615 crores 2.99% 1.12% ( +14.81% Y-o-Y ) (FY24: 3.23%) (FY24: 1.11%) Profit After Tax Gross NPA Net NPA 24.52% 16.77%
Slide 7: About Us
About Us
Slide 8: 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 Backg
Slide 9: MSME/SME Opportunity
MSME/SME Opportunity Number of working enterprises – 58 million, Employment – 244 million MSMEs play a pivotal role in the economic and social Urban 49%, Rural – 51% development of the country Manufacturing- 20%, Trade – 45%, Other services – 35% Robust Indian economy, MSMEs target market size and D
Slide 10: Business Strategy
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 MS
Slide 11: Wide Range of Products
Wide Range of Products Retail and Agri & Inclusive Banking Deposit Products Cards Payments Advances – Focus on Secured Lending Third Party Distribution • Life Insurance • Home Loan • Kisan Credit Card • General Insurance • Current and Savings • Debit Card • Bill / Utility Payments • Gold Loan • Loan
Slide 12: Outlook & Way Forward
Capital Efficient Business Model- Potential to deliver healthy ROA/ROE over time Balance Sheet Asset Quality & Cost to Average Assets / Margins Key Ratios (Deposits & Advances) Credit Costs Cost to Income Ratio Balance Sheet as at 31-Dec-25: Diversified portfolio with focus on Cost to Average
Slide 13: Customer Service and Digital Initiatives
Customer Service and Digital Initiatives
Slide 14: Well Penetrated Distribution Network
Well Penetrated Distribution Network PAN India Presence Head count Branches 468 469 11,339 465 464 11,057 10,981 10,886 457 10,792 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Region wise Branches (%) State wise Branches (%) 19% 16% 19% 28% 4% 12% Well diversified 5% across
Slide 15: DCB Bank at Global Fintech Fest (7th - 9th October 2025)
DCB Bank at Global Fintech Fest (7th - 9th October 2025) Showcasing innovation, partnerships & customer-centric digital banking Active Presence: • Prominent booth highlighting DCB Bank’s digital and partnership-led innovations. Showcasing Partnerships: • 13 Product/Service launched • Demonstrated DC
Slide 16: Leading to Enhanced Digital Footprint
Leading to Enhanced Digital Footprint Digital Transactions (% of Total Transactions) Personal Internet Banking Transactions (In Lakhs) 99% 99% 4.2 98% 3.7 98% 98% 3.3 3.2 3.0 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 UPI Transactions (In Lakhs) Mobile Banking Financial Tr
Slide 17: Board & Management
Board & Management
Slide 18: Eminent Board of Directors
Eminent Board of Directors Farokh Subedar (till October 14, 2025) Lakshmy Chandrasekaran Nasser Munjee Independent Director and Chairman Non-Executive (Non-Independent) Director Independent Director A Member of the Institute of Chartered Accountants of India and the A senior banker & economist, hold
Slide 19: Experienced Team of Professionals
Experienced Team of Professionals Abhijit Bose Ajay Mathur Ajit Kumar Singh Ashu Sawhney Bappa Roy • Designation: Chief Credit Officer • Designation: Head – Collections • Designation: Head Treasury, FIG • Designation: Head – Human • Designation: Chief Data Protection • Years of Experience: 35+ & Com
Slide 20: Business Update
Business Update
Slide 21: Update on Advances
Update on Advances Advances (INR crores) Product Mix (As on 31-Dec-25) 15.8% 56,600 0.7% 6.1% 2.0% 3.8% 0.2% 4.0% 1.8% 2.2% 52,975 6.4% 3.8% 51,215 23.0% 51,047 3.3% 47,780 9.7% 40.2% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC Co
Slide 22: Update on Advances
Update on Advances Product Mix (As on 31-Dec-25) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Y-o-Y (%) Q-o-Q(%) Banking Banking Banking MSME Mortgages 22,734 5,465 - - 28,199 12.4% 2.8% Co- lending 8,966 90 - - 9,056 66.6% 5.4% Gold Loans 2,273 1,043 - - 3,316 34.6% 10.8% Cor
Slide 23: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 5,703 5,568 5,367 318 423 4,973 4,757 313 255 1,003 842 745 373 900 567 1,437 1,375 1,422 1,131 939 631 1,045 662 1,145 1,268 578 541 440 440 495 1,483 1,657 1,475 1,349 1,116 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Mortgages SME + MSME Corp
Slide 24: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 67,754 11.2% 13.4% 13.5% 13.3% 15.8% 18.1% 60,031 10.4% 8.8% 7.8% 7.6% 7.6% 7.6% 49,353 70.0% 41,239 77.0% 80.6% 81.2% 84.6% 85.0% 52,326 34,692 45,310 29,704 36,511 78.4% 77.8% 78.7% 79.1% 76.7% 30,343 74.3% 25,411 22,917 30.0
Slide 25: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 4.1% 5.3% 2.5% 2.5% 2.7% Instruments CRISIL CARE 7.7% 5.9% 4.8% 7.4% 7.9% Long Term – Subordinated Debt AA-/Stable AA-/Stable 66.3% 68.9% 70.1% 71.5% 65.5% Certificates of Deposits A1+ A1+ 22.2% 21.3% 20.9% 21.5% 21.1% Short – Term Fixed Deposits A1
Slide 26: Asset Quality
Asset Quality 2.99% 2.98% 2.91% 2.72% 3.11% 75.35% 3.50% 74.76% 74.48% 74.04% 74.15% 3.00% 2.50% 2.00% 1.18% 1.22% 1.21% 1.10% 1.50% 1.12% 1.00% 0.50% 0.00% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Variance Dec-24 Mar-25 Jun-25 S
Slide 27: Restructured Advances
Restructured Advances Restructured Advances (INR Crores) Net Outstanding Advances (INR Crores) 3000 2500 273 136 2000 309 143 427 1500 190 2,156 383 1,869 156 1000 1,779 236 1,550 113 1,239 1,073 945 500 818 805 698 0 Mar-22 Mar-23 Mar-24 Mar-25 Dec-25 Mar-22 Mar-23 Mar-24 Mar-25 Dec-25 Standard NPA
Slide 28: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Dec-24 Mar-25 Jun-25 Sep-25 Oct-25 Nov-25 Dec-25 Business Loans (LAP) 99.0% 99.1% 99.0% 98.9% 99.0% 99.1% 99.1% Home Loans 98.9% 99.2% 99.0% 99.0% 99.1% 99.2% 99.1% CV Loans 96.5% 97.8% 96.6% 96.5% 96.4% 96.8% 98.3% Collection Effi
Slide 29: Key Credit Metrics (Q-o-Q)
Key Credit Metrics (Q-o-Q) Slippages Gross NPA (%) Net NPA (%) Slippages (%) (excl. Gold Loan) (%) 3.11% 2.99% 4.59% 3.10% 2.98% 1.22% 1.21% 2.91% 1.18% 1.12% 1.10% 2.54% 2.50% 2.50% 3.59% 3.09% 3.17% 3.08% 2.24% 2.72% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-
Slide 30: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Jun-2025 Sep-2025 Dec-2025 Performing Advances (A) 50,606 52,350 55,992 Provisions excluding NPA Provision (B) 492 498 510 Provision as a percentage of Performing Advances (B/A) 0.97% 0.95% 0.91% 29
Slide 31: Key Ratios (Q-o-Q)
Key Ratios (Q-o-Q) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 7.34% 11.44% 11.54% 7.20% 7.18% 7.12% 7.28% 7.12% 3.30% 3.29% 3.27% 11.24% 11.11% 7.01% 6.96% 3.20% 3.23% 10.98% 6.93% 6.86% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY2
Slide 32: Key Ratios (Y-o-Y)
Key Ratios (Y-o-Y) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 7.23% 11.57% 11.47% 7.04% 7.15% 6.94% 6.86% 6.98% 3.93% 11.11% 3.65% 10.71% 11.05% 3.56% 3.31% 3.24% 6.16% 6.11% 6.05% 6.03% FY22 FY23 FY24 FY25 9MFY26 FY22 FY23 FY24 FY25 9MFY26 FY22 FY23 FY24 FY25 9MFY26 F
Slide 33: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 16.77% 16.66% 40,808 16.29% 16.41% 15.84% 38,718 2.47% 2.46% 37,966 38,189 2.75% 2.44% 2.39% 35,367 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Risk Weighted Assets / Total Assets (%) 14.30% 14.20% 13.97% 13.54% 13.45% 49.86%
Slide 34: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Dec 25 (Q3) Non-Interest Income (INR crores) 236 219 1 221 3.00% 2.00% 15 10 184 186 13.00% 29 5 43 101 5 23 38 182 161 158 141 134 82.00% Commission, Exchange & Brokerage Profit on Sale of Investments Dec-24 Mar-25 Jun-25 Sep-25 Dec
Slide 35: Financial Highlights
| Financial Highlights
Slide 36: Profit & Loss Statement – Q3FY26
Profit & Loss Statement – Q3FY26 (INR crores) Q3FY26 Q3FY25 Y-o-Y Q2FY26 Q-o-Q FY25 FY24 Y-o-Y Interest Income 1,861 1,671 1,823 6,471 5,362 Interest Expense 1,236 1,128 1,227 4,364 3,434 Net Interest Income 625 543 +15% 596 +5% 2,107 1,928 +9% Other Income 221 184 +20% 186 +19% 750 474 +58% - Commi
Slide 37: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Interest Income 1,861 1,823 1,814 1,742 1,671 Interest Expense 1,236 1,227 1,233 1,184 1,128 Net Interest Income 625 596 581 558 543 Other Income 221 186 236 219 184 - Commission, Exchange and Brokerage 182 158 134 161 1
Slide 38: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Dec-25 Sep-25 Jun-25 Mar-25 Dec-24 Capital & Liabilities Shareholders Equity 6,350 5,973 5,840 5,691 5,489 Deposits 67,754 64,777 62,039 60,031 56,678 Borrowings 5,472 5,929 7,059 9,115 7,389 Other Liabilities and Provisions 2,264 2,211 2,457 1,973 2,011 Total 81,8
Slide 39: Profit & Loss Statement – Trend
Profit & Loss Statement – Trend (INR crores) FY25 FY24 Y-o-Y FY23 FY22 FY21 Interest Income 6,471 5,362 4,200 3,513 3,458 Interest Expense 4,364 3,434 2,483 2,155 2,171 Net Interest Income 2,107 1,928 +9% 1,717 1,358 1,287 Other Income 750 474 +58% 409 452 445 - Commission, Exchange and Brokerage 55
Slide 40: Balance Sheet – Trend
Balance Sheet – Trend (INR crores) Mar-25 Mar-24 Y-o-Y Mar-23 Mar-22 Mar-21 Capital & Liabilities Shareholders Equity 5,691 5,071 +12% 4,566 4,049 3,759 Deposits 60,031 49,353 +22% 41,239 34,692 29,704 Borrowings 9,115 6,219 +47% 4,118 4,082 4,482 Other Liabilities and Provisions 1,973 2,394 -18% 2,
Slide 41: Shareholding Pattern
Shareholding Pattern Shareholding as on Dec 31, 2025 Key Non-Promoter Institutional Shareholders % 5.71% Tata Mutual Fund* 5.04 16.24% Bandhan Mutual Fund* 4.46 30.66% Franklin Templeton Asset Management (India) Pvt Ltd* 4.20 Sundaram Mutual Fund* 3.97 ICICI Venture Funds Management Company Ltd (Ind
Slide 42: ESG Initiatives
ESG Initiatives Environment Social Governance • Some of the ESG initiatives for • Regular employee engagements, training and • Board level Committee for reducing GHG emissions are: wellness initiatives are carried out throughout the implementing and reviewing ESG year. (DCB Health Carnival, Employee
Slide 43: DCB Technology Innovation Centre
DCB Technology Innovation Centre DCB Bank Innovation Centre at HSR Layout, Bengaluru is designed to propel technology innovation from ideation to implementation. The Innovation Centre will serve as a hub for: Driving Digital Transformation: Customer-Centric Solutions: Explore AI, cloud-native soluti
Slide 44: Digital Initiatives & Enhancements
Digital Initiatives & Enhancements Bharat Aadhar Seeding Enabler Niyo Automation for Outward UPI – Multi 1.Basic Signatory Research Simplified IMPS (All channels) 1.Basic Research 1.Basic Research [BASE] with full KYC 1.Basic Research Remittance o Customers can pay via UPI using the concept of o All
Slide 45: CSR Initiatives
CSR Initiatives Restoring Grasslands Integrated Mangrove for Biodiversity Restoring Rangelands Restoration and Eco- Conservation, in Rajasthan: A Livelihood Development in Sustainable Landscape Approach Rajnagar block, Livelihoods, and in Bikaner, Rajasthan Kendrapara, Odisha Climate Mitigation in P
Slide 46: Butterfly Express – Pollinator Gardens at 10 Locations
Butterfly Express – Pollinator Gardens at 10 Locations …Navi Mumbai, Maharashtra Established 10 butterfly 72.22% increased of the Planted 3,000 butterfly-friendly Installed 150 plant signages gardens across Navi-Mumbai butterfly species in the saplings and 10 title signages Police Station. gardens.
Slide 47: DCB Tech Pulse 2025
DCB Tech Pulse 2025 DCB Bank's Tech Pulse 2025 showcased over 30 advanced products and solutions, emphasizing significant achievements in AI, Automation, Onboarding, Cybersecurity, and Big data. The event demonstrated how intelligent chatbots, smart onboarding, and AI-powered risk management drive d
Slide 48: Awards & Accolades (1/2)
Awards & Accolades (1/2) Recognized as India’s Best Workplaces in Banks 2025 Won Gold in 13th ACEF Asian Business Recognized as one of the “Most Won Silver in People Matter LLC Leadership Award for Best CSR Partnerships preferred workplace 2025-26” Awards 25 for Emerging Leader for Sustainable Devel
Slide 49: Awards & Accolades (2/2)
Awards & Accolades (2/2) Won Gold Award in Process Innovation & Platinum award in Modern Technology Led Innovation Category – Infosys Finacle Innovation Awards 2025 DCB Co-lending model solution received Gold Award in Process Innovation Category & Platinum award in AI-Behavioral Biometrics based Aut
Slide 50: Thank you
Thank you To receive investor updates from DCB Bank Limited, write in at investorrelations@dcbbank.com For more information, kindly log on to : www.dcb.bank.in 49 49