Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q1 FY26 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Jul 31, 2025
Slide 1: Exchange filing cover letter for Investor Presentation Q1FY26
Ref. No.CO:CS:RC:2025-26:122 July 31, 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 Presentation
Slide 2: DCB Bank Limited Investor Presentation – Q1 FY26
DCB Bank Limited Investor Presentation – Q1 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: Q1FY26 Highlights
Q1FY26 Highlights Total business has crossed INR 1,13,000 crores Steady improvement in core fee Steady investments in front line + branch infrastructure: 465 income: INR 134 crores Q1FY26 Branches, one branches added in Q1FY26 Strong capital adequacy ratio: Advances growth: +21.42% Y-o-Y 16.66% Top
Slide 5: Performance Highlights – Q1FY26
Performance Highlights – Q1FY26 INR 77,395 crores INR 51,215 crores INR 62,039 crores ( +19.96% Y-o-Y ) ( +21.42% Y-o-Y ) ( +20.02% Y-o-Y ) Balance Sheet Size Advances Deposits INR 157 crores 2.98% 1.22% ( +19.72% Y-o-Y ) (Q1FY25: 3.33%) (Q1FY25: 1.18%) Profit After Tax Gross NPA Net NPA 23.32% 16.6
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 465 • To be the most innovative and responsive branches across 20 States and 2 Union neighborhood bank in India serving Territories entrepreneurs, individuals, and businesses Background Company Vision while ensuring strong governance, good working atmosp
Slide 9: MSME/SME Opportunity
MSME/SME Opportunity Number of working enterprises – 63 million, Employment – 111 million MSMEs play a pivotal role in the economic and social Urban 49%, Rural – 51% development of the country Manufacturing- 32%, Trade – 35%, Other services – 33% 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 2.98% and Net NPA The Story so Far Balance Sheet as at 30-June-25: Div
Slide 13: Customer Service and Digital Initiatives
Customer Service and Digital Initiatives
Slide 14: Well Penetrated Distribution Network
Well Penetrated Distribution Network Head count Branches 11,896 11,910 11,339 464 465 457 11,057 451 10,886 445 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Region wise Branches (%) State wise Branches (%) 19% 16% 19% 28% 4% 12% 5% 5% 24% 8% 5% 5% 8% Highly Penetrated 29% 6%
Slide 15: DCB Technology Innovation Centre
DCB Technology Innovation Centre Delighted to announce the inauguration of DCB Bank Innovation Centre at HSR Layout, Bengaluru. Innovation Centre is designed to propel this from ideation to implementation. The Innovation Centre will serve as a hub for: Driving Digital Transformation: Customer-Centri
Slide 16: Leading to Enhanced Digital Footprint
Leading to Enhanced Digital Footprint Digital Transactions (% of Total Transactions) Personal Internet Banking Transactions (In Lakhs) 3.3 3.2 98% 3.0 98% 98% 2.9 2.6 97% 97% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 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 Lakshmy Chandrasekaran Nasser Munjee Independent Director and Chairman Independent Director Non-Executive (Non-Independent) Director A senior banker & economist, holds a Bachelor and Master degree A Member of the Institute of Chartered Accountants of India a
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, • Designation: Head – Human • Designation: Head – Product • Years of Experience: 34+ & Commercial V
Slide 20: Business Update
Business Update
Slide 21: Update on Advances
Update on Advances Advances (INR crores) Product Mix (As on 30-June-25) 1.0% 15.2% 4.5% 51,047 51,215 2.4% 3.8% 2.3% 0.2% 47,780 1.8% 6.2% 44,465 2.2% 42,181 3.8% 23.2% 3.2% 43.8% 9.6% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC C
Slide 22: Update on Advances
Update on Advances Product Mix (As on 30-Jun-25) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Banking Banking Banking MSME Mortgages 22,434 4,920 - - 27,354 Co- lending 7,811 - - - 7,811 Gold Loans 1,931 918 - - 2,849 Corporate - - - 3,162 3,162 SME + MSME 299 99 2,002 - 2,400
Slide 23: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 5,568 423 4,973 4,729 4,757 255 842 4,138 321 373 900 608 567 272 603 1,437 939 1,140 1,131 1,097 631 634 662 1,268 475 578 586 541 448 495 1,483 1,657 1,440 1,243 1,116 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Mortgages SME + MSME Corporate
Slide 24: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 62,039 60,031 11.2% 13.4% 13.5% 13.3% 15.8% 16.4% 49,353 10.4% 8.8% 7.8% 7.6% 7.6% 7.7% 41,239 70.0% 34,692 47,570 77.0% 80.6% 81.2% 45,310 84.6% 83.9% 29,704 36,511 30,343 78.4% 78.7% 79.1% 77.8% 76.7% 75.9% 25,411 22,917 30.0
Slide 25: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 1.2% 3.4% 4.1% 5.3% 2.5% Instruments CRISIL CARE 8.2% 7.7% 7.7% 7.4% 7.9% Long Term – Subordinated Debt AA-/Stable AA-/Stable 67.6% 66.1% 66.3% 68.9% 65.5% Certificates of Deposits A1+ A1+ 23.0% 22.8% 22.2% 21.3% 20.9% Short – Term Fixed Deposits A1
Slide 26: Asset Quality
Asset Quality 3.33% 3.29% 3.11% 2.99% 2.98% 74.04% 3.50% 76.00% 75.62% 74.76% 74.48% 3.00% 2.50% 2.00% 1.18% 1.17% 1.18% 1.12% 1.22% 1.50% 1.00% 0.50% 0.00% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Jun-24 Sep-24 Dec-24 Mar-25 Jun
Slide 27: Restructured Advances
Restructured Advances Restructured Advances (INR Crores) Provision on Advances (INR Crores) Net Outstanding Advances (INR Crores) 437 193 428 183 401 172 383 156 306 244 145 245 229 227 161 987 1,140 919 1,062 998 864 818 945 893 773 153 143 134 127 120 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-
Slide 28: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Jun-24 Sep-24 Dec-24 Mar-25 Apr-25 May-25 Jun-25 Business Loans (LAP) 98.9% 98.5% 99.0% 99.1% 98.3% 99.0% 99.0% Home Loans 98.9% 98.8% 98.9% 99.2% 98.5% 99.1% 99.0% CV Loans 96.5% 93.7% 96.5% 97.8% 95.1% 96.9% 96.6% Collection Effi
Slide 29: Key Credit Metrics
Key Credit Metrics Slippages Gross NPA (%) Net NPA (%) Slippages (%) (excl. Gold Loan) (%) 3.33% 3.29% 3.10% 4.59% 1.18% 1.17% 1.18% 1.12% 1.22% 2.54% 2.50% 3.11% 3.67% 3.71% 3.59% 2.20% 2.31% 3.09% 2.99% 2.98% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-2
Slide 30: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Dec-2024 Mar-2025 Jun-2025 Performing Advances (A) 47,237 50,493 50,606 Provisions excluding NPA Provision (B) 480 492 492 Provision as a percentage of Performing Advances (B/A) 1.02% 0.97% 0.97% 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 11.50% 11.39% 11.44% 11.54% 7.34% 7.19% 7.17% 7.20% 7.18% 7.12% 7.28% 7.12% 3.39% 11.24% 7.10% 7.09% 3.27% 3.30% 3.29% 3.20% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY2
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% 11.06% 7.15% 11.05% 6.94% 3.93% 6.86% 3.65% 10.71% 6.62% 3.59% 3.56% 6.49% 3.31% 6.16% 6.11% 6.05% 6.03% FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 FY21 FY
Slide 33: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 16.77% 16.66% 37,966 38,189 16.29% 15.95% 15.55% 2.47% 2.46% 1.95% 2.75% 1.90% 35,184 35,367 34,225 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Risk Weighted Assets / Total Assets (%) 14.00% 14.30% 14.20% 13.65% 13.54% 53.05%
Slide 34: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Jun 25 (Q1) Non-Interest Income (INR crores) 219 236 205 -1.00%2.00% 184 -1.00% 143 43.00% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 57.00% Core Fee Income (INR crores) 161 139 141 134 114 Commission, Exchange & Brokerage Profit on Sale of
Slide 35: Financial Highlights
| Financial Highlights
Slide 36: Profit & Loss Statement – Q1FY26
Profit & Loss Statement – Q1FY26 (INR crores) Q1FY26 Q1FY25 Y-o-Y Q4FY25 Q-o-Q FY25 FY24 Y-o-Y Interest Income 1,814 1,489 1,742 6,471 5,362 Interest Expense 1,233 992 1,184 4,364 3,434 Net Interest Income 581 497 +17% 558 +4% 2,107 1,928 +9% Other Income 236 143 +65% 219 +8% 750 474 +58% - Commissi
Slide 37: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 Interest Income 1,814 1,742 1,671 1,568 1,489 Interest Expense 1,233 1,184 1,128 1,059 992 Net Interest Income 581 558 543 509 497 Other Income 236 219 184 205 143 - Commission, Exchange and Brokerage 134 161 141 139 114
Slide 38: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Jun-25 Mar-25 Dec-24 Sep-24 Jun-24 Capital & Liabilities Shareholders Equity 5,840 5,691 5,489 5,351 5,185 Deposits 62,039 60,031 56,678 54,532 51,690 Borrowings 7,059 9,115 7,389 6,820 5,343 Other Liabilities and Provisions 2,457 1,973 2,011 2,252 2,298 Total 77,3
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 June 30, 2025 Key Non-Promoter Institutional Shareholders % 5.07% Tata Mutual Fund* 5.16 14.69% Franklin Templeton Asset Management (India) Pvt 4.55 Ltd* 33.44% HDFC Mutual Fund* 4.07 ICICI Venture Funds Management Company Limited 3.97 (India Advantage Fund S4
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: Digital Initiatives and Enhancements
Digital Initiatives and Enhancements DCB Lead Capture Page on DCB Bank Domain Customer Email Updation from DCB Mobile Banking App o Lead will be generated when a customer clicks an Ad displayed by DCB o Email update functionality from Mobile Banking Application. Bank and further sent to contact cent
Slide 44: CSR Initiatives
CSR Initiatives Building sustainable From concrete to livelihood among canopy— Afforestation by Miyawaki transforming urban plantation at Palam Vihar tribal communities through beekeeping spaces through Residents Association, collective green Gurugram, Haryana with indigenous bees, Navsari, Gujarat
Slide 45: Crop Residue Management
Crop Residue Management …A pathway to preventing farm fires in Fatehgarh Sahib District, Punjab 100 soil samples collected 150 farmers selected to Entrepreneurs identified for 5 Village Development Stakeholder engagement from five project villages and implement paddy Package of Super Seeder deployme
Slide 46: Building Sustainable Livelihoods Among Tribal Communities
Building Sustainable Livelihoods Among Tribal Communities ... in Gujarat & Madhya Pradesh through indigenous beekeeping 590 bee boxes installed by 283 558 kg of seeds (11 varieties) and 100 liters of Beejamrit distributed with beekeepers, achieving a 94% farmer- 1,100 saplings (5 types) distributed,
Slide 47: Awards & Accolades (1/3)
Awards & Accolades (1/3) Gold Award in Transforming Best Technology Talent Award ET Now Best Brands for 2024 Ambition Box Employee Choice Excellence Category Award (ABECA) 2024 • DCB NIYO Co-Branded Debit Card has • Received Best Technology Talent • DCB Bank is one of the ET Now Best • DCB Bank has
Slide 48: Awards & Accolades (2/3)
Awards & Accolades (2/3) Certified as a great workplace by Great Place Certified as a great workplace by Great One of the ET NOW Best Brands of 2024 to Work ®, India for the 9th time in a row Place to Work ®, India for the 9th time in a row. Recognized as one of the “Most preferred Recognized amongs
Slide 49: Awards & Accolades (3/3)
Awards & Accolades (3/3) 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.dcbbank.com 49 49