Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q2 FY2026 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Oct 17, 2025
Slide 1: Cover letter to stock exchanges
Ref. No.CO:CS:RC:2025-26:203 October 17, 2025 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 FY26
DCB Bank Limited Investor Presentation – Q2 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: Q2FY26 Highlights
Q2FY26 Highlights Total business has crossed INR 1,17,000 crores Strong core fee income: INR 158 468 Branches – Pan India presence, with no concentration crores Q2FY26 in any state/ geography Healthy capital adequacy ratio: Advances growth: +19.14% Y-o-Y 16.41% Top 20 deposits: 6.86% Deposits growth
Slide 5: Performance Highlights – Q2FY26
Performance Highlights – Q2FY26 INR 78,890 crores INR 52,975 crores INR 64,777 crores ( +14.41% Y-o-Y ) ( +19.14% Y-o-Y ) ( +18.79% Y-o-Y ) Balance Sheet Size Advances Deposits INR 184 crores 2.91% 1.21% ( +18.29% Y-o-Y ) (Q2FY25: 3.29%) (Q2FY25: 1.17%) Profit After Tax Gross NPA Net NPA 23.52% 16.4
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 • New generation private sector bank with PAN • To be the most innovative and responsive India presence through branches across neighborhood bank in India serving majority of States and Union Territories entrepreneurs, individuals, and businesses Background Company Vision while ensuring str
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 Gross NPA at 2.91% and Net NPA The Story so Far Balance Sheet as at 30-Sep-25: Dive
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 11,910 465 468 464 11,339 457 11,057 10,886 10,792 451 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Region wise Branches (%) State wise Branches (%) 19% 16% 19% 27% 4% 12% Well diversified 5% across
Slide 15: DCB Bank at Global Fintech Fest
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) 3.7 99% 3.3 3.2 98% 98% 2.9 3.0 98% 97% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 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: Head – Chief Data • Years of Experience: 34+ & Commerc
Slide 20: Business Update
Business Update
Slide 21: Update on Advances
Update on Advances Advances (INR crores) Product Mix (As on 30-Sep-25) 52,975 0.9% 16.1% 4.2% 2.3% 3.9% 2.1% 0.2% 51,047 51,215 1.8% 6.5% 2.3% 3.8% 23.5% 47,780 3.2% 44,465 42.8% 9.9% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC Co
Slide 22: Update on Advances – Product Mix
Update on Advances Product Mix (As on 30-Sep-25) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Y-o-Y (%) Q-o-Q(%) Banking Banking Banking MSME Mortgages 22,647 5,226 - - 27,873 +15.9% +1.9% Co- lending 8,593 - - - 8,593 +139.3% +10.0% Gold Loans 2,059 935 - - 2,994 +25.4% +5.1%
Slide 23: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 5,568 5,367 423 4,973 313 4,729 4,757 255 842 745 321 373 900 608 567 1,437 1,375 1,131 939 1,140 631 634 662 1,145 1,268 578 586 541 440 495 1,440 1,483 1,657 1,349 1,116 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Mortgages SME + MSME Corporat
Slide 24: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 64,777 60,031 11.2% 13.4% 13.5% 13.3% 15.8% 16.5% 49,353 10.4% 8.8% 7.8% 7.6% 7.6% 7.8% 41,239 70.0% 49,542 77.0% 34,692 45,310 80.6% 81.2% 84.6% 84.3% 29,704 36,511 30,343 78.4% 78.7% 79.1% 77.8% 76.7% 75.7% 25,411 22,917 15,2
Slide 25: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 3.4% 4.1% 5.3% 2.5% 2.5% Instruments CRISIL CARE 7.7% 7.7% 5.9% 7.4% 7.9% Long Term – Subordinated Debt AA-/Stable AA-/Stable 66.1% 66.3% 68.9% 70.1% 65.5% Certificates of Deposits A1+ A1+ 22.8% 22.2% 21.3% 20.9% 21.5% Short – Term Fixed Deposits A1
Slide 26: Asset Quality
Asset Quality 3.11% 2.99% 2.98% 2.91% 3.29% 74.15% 3.50% 75.62% 74.76% 74.48% 74.04% 3.00% 2.50% 2.00% 1.17% 1.18% 1.12% 1.22% 1.21% 1.50% 1.00% 0.50% 0.00% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Variance Sep-24 Dec-24 Mar-25 J
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 1,869 268 1000 156 1,779 1,550 130 1,239 1,073 945 500 818 850 737 0 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Standard NPA
Slide 28: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Sep-24 Dec-24 Mar-25 Jun-25 Jul-25 Aug-25 Sep-25 Business Loans (LAP) 98.5% 99.0% 99.1% 99.0% 99.0% 98.9% 98.9% Home Loans 98.8% 98.9% 99.2% 99.0% 99.0% 98.9% 99.0% CV Loans 93.7% 96.5% 97.8% 96.6% 96.5% 96.2% 96.5% 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) (%) 3.29% 4.59% 3.10% 1.17% 1.18% 1.22% 1.21% 2.54% 1.12% 3.71% 3.59% 2.31% 2.50% 2.50% 3.11% 3.09% 3.17% 2.99% 2.98% 2.91% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-
Slide 30: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Mar-2025 Jun-2025 Sep-2025 Performing Advances (A) 50,493 50,606 52,350 Provisions excluding NPA Provision (B) 492 492 498 Provision as a percentage of Performing Advances (B/A) 0.97% 0.97% 0.95% 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% 11.39% 11.44% 11.54% 11.24% 7.17% 7.20% 7.18% 7.09% 7.12% 7.28% 7.12% 3.27% 3.30% 3.29% 11.11% 7.01% 6.96% 3.20% 3.23% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY2
Slide 32: 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% 7.09% 11.17% 7.15% 7.04% 3.93% 6.94% 10.71% 11.05% 6.86% 3.56% 3.65% 3.31% 3.22% 6.16% 6.11% 6.05% 6.03% FY22 FY23 FY24 FY25 H126 FY22 FY23 FY24 FY25 H126 FY22 FY23 FY24 FY25 H126 FY22 FY
Slide 33: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 38,718 16.77% 16.66% 38,189 16.29% 16.41% 37,966 15.55% 2.47% 2.46% 2.75% 2.44% 1.90% 35,184 35,367 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Risk Weighted Assets / Total Assets (%) 14.30% 14.20% 13.97% 13.65% 13.54% 51.02%
Slide 34: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Sep 25 (Q2) Non-Interest Income (INR crores) 2.00% 2.00% 236 -1.00% 219 1 12.00% 205 15 186 14 184 5 43 101 5 52 23 38 161 158 139 141 134 85.00% Commission, Exchange & Brokerage Profit on Sale of Investments Profit on Exchange Trans
Slide 35: Financial Highlights
| Financial Highlights
Slide 36: Profit & Loss Statement – Q2FY26
Profit & Loss Statement – Q2FY26 (INR crores) Q2FY26 Q2FY25 Y-o-Y Q1FY26 Q-o-Q FY25 FY24 Y-o-Y Interest Income 1,823 1,568 1,814 6,471 5,362 Interest Expense 1,227 1,059 1,233 4,364 3,434 Net Interest Income 596 509 +17% 581 +3% 2,107 1,928 +9% Other Income 186 205 -9% 236 -21% 750 474 +58% - Commis
Slide 37: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Interest Income 1,823 1,814 1,742 1,671 1,568 Interest Expense 1,227 1,233 1,184 1,128 1,059 Net Interest Income 596 581 558 543 509 Other Income 186 236 219 184 205 - Commission, Exchange and Brokerage 158 134 161 141 1
Slide 38: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Sep-25 Jun-25 Mar-25 Dec-24 Sep-24 Capital & Liabilities Shareholders Equity 5,973 5,840 5,691 5,489 5,351 Deposits 64,777 62,039 60,031 56,678 54,532 Borrowings 5,929 7,059 9,115 7,389 6,820 Other Liabilities and Provisions 2,211 2,457 1,973 2,011 2,252 Total 78,8
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 Sep 30, 2025 Key Non-Promoter Institutional Shareholders % 4.87% Tata Mutual Fund* 5.14 14.66% Franklin Templeton Asset Management (India) Pvt Ltd* 4.54 34.52% Bandhan Mutual Fund* 4.31 Sundaram Mutual Fund* 4.05 ICICI Venture Funds Management Company Ltd (Ind
Slide 42: ESG Initiatives
ESG Initiatives Environment Social Governance • Native and livelihood supporting grass root slips • Sustainable livelihood created through • The Board of Directors comprise executive and 2,52,500 grasses aquaculture farming and production in coastal non-executive directors • Native trees + shrub sap
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 Security Readiness Level in DCB Mobile Pragati Deposit from DCB Mobile Temporary Block UPI and Debit card ASBA Enhancements 1.Basic Research 1.Basic Research 1.Basic Research Banking App 1.Basic Banking Research App Via SMS short code o Customer's can apply for IPO
Slide 45: 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 46: CSR Initiatives
CSR Initiatives Beekeeping-Based Livelihood Enabling Community Siliserh Lake Catchment Forest Management restoration: Water for Development Project in Banki, Cuttack, in Bastar, Human, Livestock & Chhattisgarh Sariska’s Wildlife, Alwar, Odisha Rajasthan Afforestation, Restoring Grasslands for Integr
Slide 47: Implementing Restoration & Innovating Protective Irrigation
Implementing Restoration & Innovating Protective Irrigation …interventions for dryland agricultural farmers, Koppal & Raichur, Karnataka Multi-cropping was adopted by 480 farmers across six villages 63 Master Farmers trained on 329 farmers adopted seed 135 farmers across 135 acres, 7 women trained a
Slide 48: Awards & Accolades (1/2)
Awards & Accolades (1/2) Won Gold in 13th ACEF Asian Business Leadership Won Silver in People Matter LLC Awards Recognized as India’s Best Recognized among the India's Best Award for Best CSR Partnerships for Sustainable 25 for Emerging Leader Development Workplaces in Banks 2025 Workplaces in BFSI
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