Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q2 FY27 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Oct 23, 2026
Slide 1: Exchange cover letter: Investor Presentation Q2 FY27
Ref. No.CO:CS:RC:2026-27:159 October 23, 2026 BSE Limited, National Stock Exchange of India Limited, P J Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai – 400 051. Mumbai - 400 001. BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK Dear Sirs, Sub: Investor Presentat
Slide 2: DCB Bank Limited Investor Presentation - Q2 FY27
DCB Bank Limited Investor Presentation - Q2 FY27
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: Q2FY27 Highlights
Q2FY27 Highlights Total business has crossed INR 1,40,000 crores Strong core fee income: INR 195 483 Branches – Steady investments in front line + branch crores Q2FY27 infrastructure Healthy capital adequacy ratio: Advances growth: +21.05% Y-o-Y 16.63% Top 20 deposits: 6.56% Deposits growth: +18.62%
Slide 5: Performance Highlights – Q2FY27
Performance Highlights – Q2FY27 INR 92,648 crores INR 64,127 crores INR 76,839 crores ( +17.44% Y-o-Y ) ( +21.05% Y-o-Y ) ( +18.62% Y-o-Y ) Balance Sheet Size Advances Deposits INR 236 crores 2.29% 0.73% ( +28.54% Y-o-Y ) (Q2FY26: 2.91%) (Q2FY26: 1.21%) Profit After Tax Gross NPA Net NPA 22.30% 16.6
Slide 6: Performance Highlights – FY2026
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%
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: 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 10: Wide Range of Products
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 Payments Life Insurance Home Loan Commercial Vehicle* Locker Facility (CASA) Travel Sm
Slide 11: 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 30-Sep-26: Diversified portfolio with focus on Gross NPA at 2.2
Slide 12: Customer Service and Digital Initiatives
Customer Service and Digital Initiatives
Slide 13: Well Penetrated Distribution Network
Well Penetrated Distribution Network PAN India Presence Head count Branches 483 12,002 480 480 11,374 11,554 10,792 10,981 469 468 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Region wise Branches (%) State wise Branches (%) 21% 17% 18% 28% 4% 11% Well diversified 4% across
Slide 14: Board & Management
Board & Management
Slide 15: Eminent Board of Directors (as on October 23, 2026)
Eminent Board of Directors (as on October 23, 2026) Pushan Mahapatra Praveen Kutty Nasser Munjee Chairman and Independent Director Managing Director & CEO Non-Executive (Non-Independent) Director A career banker with over 40 years of experience, including 35 years A business leader with over 35 year
Slide 16: 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 17: Business Update
Business Update
Slide 18: Update on Advances
Update on Advances Advances (INR crores) Product Mix (As on 30-Sep-26) 3.2% 64,127 0.4% 11.7% 60,022 59,951 1.8% 5.7% 56,600 9.4% 0.1% 1.9% 52,975 2.9% 8.0% 3.8% 23.9% 3.3% 10.1% 37.7% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC C
Slide 19: Update on Advances
Update on Advances Product Mix (As on 30-SEP-26) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Y-o-Y (%) Q-o-Q(%) Banking Banking Banking MSME Mortgages 24,151 6,485 - - 30,636 11.7% 3.8% Co- lending 7,514 101 - - 7,615 (11.4%) 1.8% Gold Loans 6,039 1,215 - - 7,254 142.3% 29.8%
Slide 20: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 7,829 7,698 437 409 1,157 6,491 1,010 278 5,703 5,367 1,161 318 1,586 313 1,951 1,003 745 1,428 1,375 1,422 2,409 1,960 1,758 1,145 1,045 501 384 440 440 361 1,823 1,900 1,349 1,475 1,505 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Mortgages SME
Slide 21: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 76,839 72,583 13.4% 13.5% 13.3% 15.8% 21.3% 19.0% 8.8% 7.8% 7.6% 60,031 7.6% 7.2% 9.1% 49,353 77.0% 80.6% 81.2% 84.6% 84.3% 85.2% 41,239 59,704 56,336 34,692 45,310 77.8% 78.7% 79.1% 76.7% 36,511 71.5% 71.9% 30,343 25,411 16,24
Slide 22: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 2.5% 2.7% 2.3% 1.1% 2.7% Instruments CRISIL CARE 5.9% 4.8% 5.4% 5.2% 4.3% Long Term – Subordinated Debt AA-/Stable AA-/Stable 70.1% 71.5% 71.6% 73.4% 72.3% Certificates of Deposits A1+ A1+ 21.5% 21.1% 20.7% 20.3% 20.7% Short – Term Fixed Deposits A1
Slide 23: Asset Quality
Asset Quality 74.15% 75.35% 78.42% 79.81% 81.38% 3.50% 2.91% 2.72% 3.00% 2.45% 2.43% 2.29% 2.50% 2.00% 1.21% 1.50% 1.10% 0.89% 0.84% 0.73% 1.00% 0.50% 0.00% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Variance Sep-25 Dec-25 Mar-26 J
Slide 24: Restructured Advances
Restructured Advances Restructured Advances (INR Crores) Net Outstanding Advances (INR Crores) 2500 143 2000 309 190 1500 427 156 383 1000 1,550 93 1,779 210 67 175 1,073 1,239 500 818 945 675 779 635 730 0 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Standard NPA Standard N
Slide 25: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Sep-25 Dec-25 Mar-26 Jun-26 Jul-26 Aug-26 Sep-26 Business Loans (LAP) 98.9% 99.1% 99.3% 99.3% 99.3% 99.2% 99.2% Home Loans 99.0% 99.1% 99.5% 99.3% 99.3% 99.2% 99.3% CV Loans 96.5% 98.3% 98.5% 97.3% 97.3% 96.9% 96.4% Collection Effi
Slide 26: Key Credit Metrics (Q-o-Q)
Key Credit Metrics (Q-o-Q) Slippages Gross NPA (%) Net NPA (%) Slippages (%) (excl. Gold Loan) (%) 2.50% 2.24% 2.91% 1.21% 1.10% 2.72% 0.89% 0.84% 3.17% 3.08% 1.47% 1.52% 1.55% 2.94% 2.45% 2.43% 0.73% 2.28% 2.69% 2.29% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-
Slide 27: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Mar-2026 Jun-2026 Sep-2026 Performing Advances (A) 59,502 59,460 63,674 Provision For NPA (B) 759 767 806 Provisions excluding NPA Provision (C) 527 532 552 26
Slide 28: Key Ratios (Q-o-Q)
Key Ratios (Q-o-Q) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 11.11% 10.98% 10.98% 3.39% 3.35% 10.75% 10.73% 7.01% 6.93% 6.96% 6.86% 6.84% 3.23% 3.27% 3.25% 6.89% 6.71% 6.65% 6.75% 6.67% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY2
Slide 29: Key Ratios (Y-o-Y)
Key Ratios (Y-o-Y) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 11.57% 11.47% 7.23% 7.15% 6.94% 7.00% 6.86% 6.94% 3.93% 11.07% 10.71% 11.05% 3.56% 3.65% 6.16% 3.31% 3.28% 6.11% 6.05% 6.03% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 FY22 FY
Slide 30: Book Value Per Share and Profit After Tax – Trend
Book Value Per Share and Profit After Tax – Trend Book Value Per Share (INR)** Profit After Tax (INR Crores) Q-o-Q Profit After Tax (INR Crores) Y-o-Y 203 236 732* 198 213 206 615 184 185* 536 191 465 185 180 288 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 FY22 FY23 FY24 FY
Slide 31: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 17.03% 16.41% 16.55% 16.63% 45,661 15.84% 2.13% 43,232 43,298 2.29% 2.06% 2.44% 2.39% 40,808 38,718 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Risk Weighted Assets / Total Assets (%) 14.90% 14.57% 13.97% 14.26% 13.45% 49.86%
Slide 32: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Sep 26 (Q2) Non-Interest Income (INR crores) 2.00% 3.00% 249 6.00% 221 26 11.00% 212 10 4 196 28 186 29 10 5 5 16 23 198 195 182 175 158 78.00% Commission, Exchange & Brokerage Profit on Sale of Investments Sep-25 Dec-25 Mar-26 Jun-2
Slide 33: Financial Highlights
| Financial Highlights
Slide 34: Profit & Loss Statement – Q2FY27
Profit & Loss Statement – Q2FY27 (INR crores) Q2FY27 Q2FY26 Y-o-Y Q1FY27 Q-o-Q FY26 FY25 Y-o-Y Interest Income 2,051 1,823 1,984 7,405 6,471 Interest Expense 1,352 1,227 1,300 4,948 4,364 Net Interest Income 699 596 +17% 684 +2% 2,457 2,107 +17% Other Income 249 186 +34% 196 +27% 855 750 +14% - Comm
Slide 35: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Interest Income 2,051 1,984 1,907 1,861 1,823 Interest Expense 1,352 1,300 1,252 1,236 1,227 Net Interest Income 699 684 655 625 596 Other Income 249 196 212 221 186 - Commission, Exchange and Brokerage 195 175 198 182 1
Slide 36: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Sep-26 Jun-26 Mar-26 Dec-25 Sep-25 Capital & Liabilities Shareholders Equity 6,941 6,771 6,535 6,350 5,973 Deposits 76,839 74,482 72,583 67,754 64,777 Borrowings 5,751 5,021 6,086 5,472 5,929 Other Liabilities and Provisions 3,117 2,478 2,865 2,264 2,211 Total 92,6
Slide 37: Profit & Loss Statement – Trend
Profit & Loss Statement – Trend (INR crores) FY26 FY25 Y-o-Y FY24 FY23 FY22 Interest Income 7,405 6,471 5,362 4,200 3,513 Interest Expense 4,948 4,364 3,434 2,483 2,155 Net Interest Income 2,457 2,107 +17% 1,928 1,717 1,358 Other Income 855 750 +14% 474 409 452 - Commission, Exchange and Brokerage 6
Slide 38: Balance Sheet – Trend
Balance Sheet – Trend (INR crores) Mar-26 Mar-25 Y-o-Y Mar-24 Mar-23 Mar-22 Capital & Liabilities Shareholders Equity 6,535 5,691 +15% 5,071 4,566 4,049 Deposits 72,583 60,031 +21% 49,353 41,239 34,692 Borrowings 6,086 9,115 -33% 6,219 4,118 4,082 Other Liabilities and Provisions 2,865 1,973 +45% 2,
Slide 39: Shareholding Pattern
Shareholding Pattern Shareholding as on September 30, 2026 Key Non-Promoter Institutional Shareholders % Tata Mutual Fund* 5.03 5.51% 16.22% Bandhan Mutual Fund* 4.76 28.88% Franklin India Small Cap Fund 3.79 Sundaram Mutual Fund* 3.16 Motilal Oswal Mutual Fund* 2.43 Mirae Asset Mutual Fund* 2.01 Ma
Slide 40: ESG Initiatives
ESG Initiatives Environment Social Governance • Some of the ESG initiatives for reducing • Regular employee engagements, training and • Board level Committee for implementing GHG emissions are: wellness initiatives are carried out throughout the and reviewing ESG initiatives in the Bank year. (DCB H
Slide 41: Digital Initiatives & Enhancements
Digital Initiatives & Enhancements E-Payment Integration with DCB Business Jansuraksha Employees Provident Fund UPI – Enhancements Mobile Banking portal Integration Organization (EPFO) Following features are launched by A mobile app is launched for the DCB business users Government portal for so
Slide 42: GFF 2026 launches: a broader digital distribution engine (1/2)
GFF 2026 launches: a broader digital distribution engine (1/2) 13 launches strengthen acquisition, service, investments, credit and institutional banking journeys Acquire & Insights Save & Invest Borrow & Transact Assist & Secure CUBE 2.0 account opening Blostem fixed deposits Niyo Insta Credi
Slide 43: GFF 2026 launches: a broader digital distribution engine (2/2)
GFF 2026 launches: a broader digital distribution engine (2/2) The portfolio combines direct digital journeys, ecosystem distribution and stronger operating controls CAPABILITY FEATURES LAUNCHED MANAGEMENT VALUE Paperless account opening, teen banking Lower customer effort and 01 Digital Acquisition
Slide 44: CSR Initiatives
CSR Initiatives Grassroots projects driving lasting community impact across India We Contribute Towards Water Waste Recycling CHHATTISGARH MADHYA PRADESH UTTAR PRADESH Management Enabling Community Forest REVIVE - Creating Water Aranya - Restoring Landscape Management in Bastar Harvesting Structures
Slide 45: Watershed Development in Jalna, Maharashtra – Phase II
Watershed Development in Jalna, Maharashtra – Phase II Integrated Development of Communities through Watershed Development in Jalna, Maharashtra – Phase II Works Done: • Community meetings: 5 meetings conducted across Dhakephal and Devdi Hadgaon, engaging 65+ community members. • VDC formation: VDC
Slide 46: Crop Residue Management & diversification in Bassi Pathana block
Crop Residue Management & diversification in Bassi Pathana block To reduce farm fires in the autumn/ winter months in north India, Fatehgarh Sahib, Punjab Works Done: • 100 farmers adopted/used the Paddy Crop Package of Practices (PoP). • 300 farmers participated in 10 Paddy Field Days conducted acr
Slide 47: Awards & Accolades (1/2)
Awards & Accolades (1/2) Leaders’ Award recognition from Won Gold in 13th ACEF Asian Business Leadership Recognized as one of the “Most Won Silver in People Matter LLC SmartNext / SmartWinnr 2026 for Award for Best CSR Partnerships for Sustainable preferred workplace 2025-26” Awards 25 for Emerging
Slide 48: 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 49: Great Place To Work Recognitions
Great Place To Work Recognitions Recognized as India’s Best Recognized as India’s Best Recognized as India’s Best Workplaces in Banks Workplaces in Health and Companies to Work For 2026 Wellness 2026: Top 50 2026: Top 100 Certified as a great workplace Certified as a India’s Best by Great Place to W
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