Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q1 FY27 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Jul 24, 2026
Slide 1: Exchange filing cover letter: Investor Presentation Q1 FY27
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
Slide 2: DCB Bank Limited Investor Presentation – Q1 FY27
DCB Bank Limited Investor Presentation – Q1 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: Q1FY27 Highlights
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%
Slide 5: Performance Highlights – Q1FY27
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% 17.0
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-June-26: Diversified portfolio with focus on Cost to Average
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 11,554 480 480 11,374 10,981 468 469 10,886 10,792 465 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-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 July 24, 2026)
Eminent Board of Directors (as on July 24, 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 years o
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-Jun-26) 0.5% 12.3% 3.3% 60,022 59,951 5.7% 2.0% 7.4% 0.1% 1.9% 2.9% 7.5% 56,600 3.9% 24.3% 3.3% 52,975 51,215 10.2% 39.0% 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-Jun-26) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Y-o-Y (%) Q-o-Q(%) Banking Banking Banking MSME Mortgages 23,393 6,118 - - 29,511 9.9% 0.8% Co- lending 7,385 95 - - 7,480 (5%) (10.6%) Gold Loans 4,421 1,168 - - 5,589 96.2% 34.9% Co
Slide 20: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 7,829 437 1,157 6,491 278 5,703 5,367 1,161 318 4,973 313 1,951 255 1,003 745 900 1,428 1,375 1,422 939 1,960 1,758 1,145 1,045 1,268 501 440 440 361 495 1,823 1,349 1,475 1,505 1,116 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Mortgages SME + M
Slide 21: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 74,482 72,583 13.4% 13.5% 13.3% 15.8% 21.3% 20.2% 60,031 8.8% 7.8% 7.6% 7.6% 7.2% 7.3% 49,353 41,239 58,355 77.0% 80.6% 81.2% 56,336 84.6% 84.3% 84.8% 34,692 45,310 36,511 77.8% 78.7% 79.1% 76.7% 30,343 71.5% 72.5% 25,411 14,72
Slide 22: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 2.5% 2.5% 2.7% 2.3% 1.1% Instruments CRISIL CARE 5.9% 4.8% 5.4% 5.2% 7.7% Long Term – Subordinated Debt AA-/Stable AA-/Stable 68.9% 70.1% 71.5% 71.6% 73.4% Certificates of Deposits A1+ A1+ 20.9% 21.5% 21.1% 20.7% 20.3% Short – Term Fixed Deposits A1
Slide 23: Asset Quality
Asset Quality 74.04% 74.15% 75.35% 78.42% 79.81% 3.50% 2.98% 2.91% 2.72% 3.00% 2.45% 2.43% 2.50% 2.00% 1.22% 1.21% 1.10% 1.50% 0.89% 0.84% 1.00% 0.50% 0.00% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Variance Jun-25 Sep-25 Dec-25 M
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 82 1,779 210 186 1,073 1,239 500 818 945 675 656 779 756 0 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Standard NPA Standard N
Slide 25: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Jun-25 Sep-25 Dec-25 Mar-26 Apr-26 May-26 Jun-26 Business Loans (LAP) 99.0% 98.9% 99.1% 99.3% 98.9% 99.3% 99.3% Home Loans 99.0% 99.0% 99.1% 99.5% 98.8% 99.3% 99.3% CV Loans 96.6% 96.5% 98.3% 98.5% 96.8% 97.8% 97.3% 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) (%) 4.59% 3.10% 2.98% 1.22% 1.21% 2.50% 2.91% 1.10% 2.24% 0.89% 0.84% 3.17% 3.08% 2.72% 2.69% 2.28% 1.47% 1.52% 2.45% 2.43% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-
Slide 27: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Dec-2025 Mar-2026 Jun-2026 Performing Advances (A) 55,992 59,502 59,460 Provision For NPA (B) 749 759 767 Provisions excluding NPA Provision (C) 510 527 532 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 11.24% 11.11% 10.98% 10.98% 7.18% 7.12% 3.39% 3.35% 10.75% 7.01% 6.93% 6.96% 6.86% 6.84% 3.23% 3.27% 6.89% 6.71% 3.20% 6.75% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY2
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% 11.05% 11.07% 10.71% 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 198 732* 206 213 184 185* 615 191 536 157 465 185 180 288 177 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY22 FY23 FY24 FY
Slide 31: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 17.03% 43,232 43,298 16.66% 16.41% 16.55% 15.84% 2.13% 40,808 2.46% 2.44% 2.29% 2.39% 38,718 38,189 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Risk Weighted Assets / Total Assets (%) 14.90% 14.20% 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 (%) – Jun 26 (Q1) Non-Interest Income (INR crores) 236 1 221 2.00% 1.00% 212 10 196 8.00% 186 4 10 29 5 101 5 16 23 198 182 175 158 134 89.00% Commission, Exchange & Brokerage Profit on Sale of Investments Jun-25 Sep-25 Dec-25 Mar-26 Jun-2
Slide 33: Financial Highlights
| Financial Highlights
Slide 34: Profit & Loss Statement – Q1FY27
Profit & Loss Statement – Q1FY27 (INR crores) Q1FY27 Q1FY26 Y-o-Y Q4FY26 Q-o-Q FY26 FY25 Y-o-Y Interest Income 1,984 1,814 1,907 7,405 6,471 Interest Expense 1,300 1,233 1,252 4,948 4,364 Net Interest Income 684 581 +18% 655 +4% 2,457 2,107 +17% Other Income 196 236 -17% 212 -7% 855 750 +14% - Commi
Slide 35: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Interest Income 1,984 1,907 1,861 1,823 1,814 Interest Expense 1,300 1,252 1,236 1,227 1,233 Net Interest Income 684 655 625 596 581 Other Income 196 212 221 186 236 - Commission, Exchange and Brokerage 175 198 182 158 1
Slide 36: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Jun-26 Mar-26 Dec-25 Sep-25 Jun-25 Capital & Liabilities Shareholders Equity 6,771 6,535 6,350 5,973 5,840 Deposits 74,482 72,583 67,754 64,777 62,039 Borrowings 5,021 6,086 5,472 5,929 7,059 Other Liabilities and Provisions 2,478 2,865 2,264 2,211 2,457 Total 88,7
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 June 30, 2026 Key Non-Promoter Institutional Shareholders % Tata Mutual Fund* 5.03 5.42% 16.23% Bandhan Mutual Fund* 4.72 29.31% Franklin India Small Cap Fund 3.79 Sundaram Mutual Fund* 3.33 Oman India Joint Investment Fund II 2.86 Mahindra Manulife Mutual Fun
Slide 40: 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 41: Digital Initiatives & Enhancements (1/2)
Digital Initiatives & Enhancements(1/2) FORM 121 - Submission through Digital Voice AI for customer support Mutual Fund Single Sign-on mode o Form 121 can be submitted by customers ensuring o Ring AI Voice calling will allow us to o This Functionality will enable DCB Mobile Banking TDS is not deduct
Slide 42: Digital Initiatives & Enhancements (2/2)
Digital Initiatives & Enhancements (2/2) Infosys Finacle Innovation Awards 2026 — Platinum BFSI Excellence Awards 2026 DCB Bank received Platinum award in Infosys Product Innovation 2026 for DCB won the BFSI Excellence Awards 2026 in Collection & Connected Banking Platform. Recovery domain for One T
Slide 43: CSR Initiatives We Contribute Towards
CSR Initiatives Grassroots projects driving lasting community impact across India GUJARAT & MP ANDHRA PRADESH ODISHA UTTAR PRADESH TELANGANA MAHARASHTRA Building sustainable livelihood Restoration of Degraded Integrated Mangrove Restoration Sakhigiri Van-Ecological Pollinators Café Workshop, Vasantn
Slide 44: Rainwater Harvesting
Rainwater Harvesting Structures for Restoring Land & Community Prosperity Chhatarpur District, Madhya Pradesh 2 60 ~50 900+ 75 Water Conservation Ponds, ~90% Farmer Beneficiaries Acres Covered Person Days of Employment Villagers Engaged Complete Works Done • 2 water conservationpondsidentifiedand~90
Slide 45: Carbon Sequestration
Carbon Sequestration Integrated Mangrove Restoration and Eco-Livelihood Development Kendrapara, Odisha 3 98 ~34 431 2,155 Community Ponds Rejuvenated Person days of employment Acres Identified for community Direct Beneficiaries Indirect Beneficiaries led Mangrove plantation Works Done • 3 community
Slide 46: 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 47: 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 48: Great Place To Work Recognitions (1/2)
Great Place To Work Recognitions (1/2) Recognized as India’s Best Recognized as India’s Best Recognized as India’s Best Workplaces in Health and Companies to Work For Workplaces in Banks 2026 Wellness 2026: Top 50 2026: Top 100 Certified as a great workplace by Great Place to Work ®, India for Recog
Slide 49: Great Place To Work Recognitions (2/2)
Great Place To Work Recognitions (2/2) Ranked 69 in India’s Best Companies to Work for 48
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