Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q4 FY26 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Apr 24, 2026
Slide 1: Exchange filing cover letter
Ref. No.CO:CS:RC:2026-27: 027 April 24, 2026 BSE Limited, National Stock Exchange of India Limited, P J Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai - 400 001 Mumbai – 400 051 BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK Dear Sir/ Madam, Sub: Investor Presen
Slide 2: DCB Bank Limited Investor Presentation – Q4 FY26
DCB Bank Limited Investor Presentation – Q4 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: Q4FY26 Highlights
Q4FY26 Highlights Total business has crossed INR 1,32,000 crores Strong core fee income: INR 198 480 Branches – Steady investments in front line + branch crores Q4FY26 infrastructure Healthy capital adequacy ratio: Advances growth: +17.58% Y-o-Y 16.55% Top 20 deposits: 6.55% Deposits growth: +20.91%
Slide 5: Performance Highlights – Q4FY26
Performance Highlights – Q4FY26 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 206 crores 2.45% 0.89% ( +16.14% Y-o-Y ) (Q4FY25: 2.99%) (Q4FY25: 1.12%) Profit After Tax Gross NPA Net NPA 22.38% 16.5
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 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 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 31-Mar-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 11,374 480 11,057 10,981 469 468 10,886 10,792 464 465 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Region wise Branches (%) State wise Branches (%) 21% 17% 19% 27% 4% 11% Well diversified 5% across
Slide 14: Board & Management
Board & Management
Slide 15: Eminent Board of Directors (as on April 24, 2026)
Eminent Board of Directors (as on April 24, 2026) Pushan Mahapatra (from Mar 10,2026) Lakshmy Chandrasekaran (till Apr 13, 2026) Nasser Munjee Additional & Non-Executive (Independent) Director Non-Executive (Non-Independent) Director Independent Director A career banker with over 40 years of experie
Slide 16: Eminent Board of Directors (as on April 24, 2026)
Eminent Board of Directors (as on April 24, 2026) Krishnan Sridhar Seshadri Tarun Balram Nadir Bhalwani Whole Time Director (Executive Director) Independent Director Non- Executive (Non-Independent) Director A Masters in Commerce (M.Com.) and is a Certified Associate of the A senior banker with almo
Slide 17: 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 18: Business Update
Business Update
Slide 19: Update on Advances
Update on Advances Advances (INR crores) Product Mix (As on 31-Mar-26) 13.8% 0.6% 60,022 3.6% 7.0% 2.0% 0.1% 5.0% 1.9% 2.7% 7.5% 56,600 3.7% 23.5% 3.3% 52,975 51,047 51,215 9.8% 39.0% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC Co
Slide 20: Update on Advances
Update on Advances Product Mix (As on 31-Mar-26) Agri & SME Retail Corporate Products (INR Crores) Inclusive + Total Y-o-Y (%) Q-o-Q(%) Banking Banking Banking MSME Mortgages 23,385 5,877 - - 29,262 10.7% 3.8% Co- lending 8,272 94 - - 8,366 24.9% (7.6%) Gold Loans 3,019 1,125 - - 4,144 56.7% 25.0% C
Slide 21: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 7,829 437 1,157 5,703 5,568 5,367 4,973 318 423 313 1,951 255 1,003 842 745 900 1,437 1,375 1,422 939 1,960 631 1,045 1,268 1,145 578 501 440 440 495 1,657 1,823 1,349 1,475 1,116 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Mortgages SME + MSME
Slide 22: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 72,583 11.2% 13.4% 13.5% 13.3% 15.8% 21.3% 60,031 10.4% 8.8% 7.8% 7.6% 7.6% 7.2% 49,353 70.0% 41,239 77.0% 80.6% 81.2% 56,336 84.6% 84.3% 34,692 45,310 29,704 36,511 79.1% 78.4% 77.8% 78.7% 76.7% 30,343 71.5% 25,411 22,917 30.0
Slide 23: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 5.3% 2.5% 2.5% 2.7% 2.3% Instruments CRISIL CARE 7.7% 5.9% 4.8% 5.4% 7.9% Long Term – Subordinated Debt AA-/Stable AA-/Stable 68.9% 70.1% 71.5% 71.6% 65.5% Certificates of Deposits A1+ A1+ 21.3% 20.9% 21.5% 21.1% 20.7% Short – Term Fixed Deposits A1
Slide 24: Asset Quality
Asset Quality 2.98% 2.91% 2.72% 2.45% 78.42% 3.50% 2.99% 74.04% 74.48% 74.15% 75.35% 3.00% 2.50% 2.00% 1.12% 1.22% 1.21% 1.10% 1.50% 0.89% 1.00% 0.50% 0.00% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Variance Mar-25 Jun-25 Sep-25 D
Slide 25: 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 1,779 210 1,550 93 1,239 1,073 945 500 818 779 675 0 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Standard NPA
Slide 26: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Mar-25 Jun-25 Sep-25 Dec-25 Jan-26 Feb-26 Mar-26 Business Loans (LAP) 99.1% 99.0% 98.9% 99.1% 99.2% 99.1% 99.3% Home Loans 99.2% 99.0% 99.0% 99.1% 99.2% 99.2% 99.5% CV Loans 97.8% 96.6% 96.5% 98.3% 98.1% 98.3% 98.5% Collection Effi
Slide 27: 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% 2.99% 2.98% 1.22% 1.21% 2.91% 1.12% 1.10% 2.50% 2.50% 3.17% 2.24% 0.89% 3.09% 3.08% 2.72% 2.28% 1.47% 2.45% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-
Slide 28: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Sep-2025 Dec-2025 Mar-2026 Performing Advances (A) 52,350 55,992 59,502 Provision For NPA (B) 738 749 759 Provisions excluding NPA Provision (C) 498 510 527 27
Slide 29: Key Ratios (Q-o-Q)
Key Ratios (Q-o-Q) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 11.54% 7.34% 7.18% 7.28% 7.12% 3.39% 11.24% 11.11% 7.01% 6.96% 3.29% 3.27% 10.98% 10.98% 6.93% 6.89% 6.86% 6.84% 3.20% 3.23% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY2
Slide 30: 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 31: 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 206 732* 191 184 185* 177 615 185 157 536 180 465 177 172 288 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 FY23 FY24 FY
Slide 32: Capital Adequacy Ratio
Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) 16.77% 43,232 16.66% 16.41% 16.55% 15.84% 2.47% 40,808 2.46% 2.44% 2.29% 2.39% 38,718 37,966 38,189 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Risk Weighted Assets / Total Assets (%) 14.30% 14.20% 13.97% 14.26% 13.45% 49.86%
Slide 33: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Mar 26 (Q4) Non-Interest Income (INR crores) 236 1 221 0.00% 2.00% 219 212 5.00% 15 10 4 186 10 29 43 101 5 23 198 182 161 158 134 93.00% Commission, Exchange & Brokerage Profit on Sale of Investments Mar-25 Jun-25 Sep-25 Dec-25 Mar-
Slide 34: Financial Highlights
| Financial Highlights
Slide 35: Profit & Loss Statement – Q4FY26
Profit & Loss Statement – Q4FY26 (INR crores) Q4FY26 Q4FY25 Y-o-Y Q3FY26 Q-o-Q FY26 FY25 Y-o-Y Interest Income 1,907 1,742 1,861 7,405 6,471 Interest Expense 1,252 1,184 1,236 4,948 4,364 Net Interest Income 655 558 +17% 625 +5% 2,457 2,107 +17% Other Income 212 219 -3% 221 -4% 855 750 +14% - Commis
Slide 36: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q4FY26 Q3FY26 Q2FY26 Q1FY26 Q4FY25 Interest Income 1,907 1,861 1,823 1,814 1,742 Interest Expense 1,252 1,236 1,227 1,233 1,184 Net Interest Income 655 625 596 581 558 Other Income 212 221 186 236 219 - Commission, Exchange and Brokerage 198 182 158 134 1
Slide 37: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Mar-26 Dec-25 Sep-25 Jun-25 Mar-25 Capital & Liabilities Shareholders Equity 6,535 6,350 5,973 5,840 5,691 Deposits 72,583 67,754 64,777 62,039 60,031 Borrowings 6,086 5,472 5,929 7,059 9,115 Other Liabilities and Provisions 2,865 2,264 2,211 2,457 1,973 Total 88,0
Slide 38: 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 39: 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 40: Shareholding Pattern
Shareholding Pattern Shareholding as on Mar 31, 2026 Key Non-Promoter Institutional Shareholders % 5.77% Tata Mutual Fund* 5.04 16.23% Bandhan Mutual Fund* 4.41 Franklin Templeton Asset Management (India) Pvt Ltd* 4.00 29.18% Sundaram Mutual Fund* 3.41 Oman India Joint Investment Fund II 2.86 Mahind
Slide 41: 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 42: Digital Initiatives & Enhancements (1/2)
Digital Initiatives & Enhancements (1/2) Customer satisfaction survey on Application Tracking Mechanism DCB Lens – A gateway to Unified UPI – LiteResearch 1.Basic Auto Top up 1.Basic Personal Research Internet Banking 1.Basic Research for loan customers 1.Basic Research lending Interface (ULI) o Aut
Slide 43: Digital Initiatives & Enhancements (2/2)
Digital Initiatives & Enhancements (2/2) UPI TPAP - Sponsoring novio UPI App DCB ZetResearch 1.Basic Secured Credit Card 1.Basic Research o The DCB ZET Credit Card is a Fixed Deposit backed RuPay Credit Card that helps build your o A next-generation UPI application powered by DCB Bank’s credit score
Slide 44: CSR Initiatives
CSR Initiatives Promoting Empowering women community Implementing restoration through participatory responsibility through and innovation protective decision-making collective clean-up irrigation interventions for under Community efforts for a cleaner dryland agricultural Forest Management and healt
Slide 45: Restoring Grasslands
Restoring Grasslands Biodiversity Conservation, Sustainable Livelihoods, and Climate Mitigation in Pune, Maharashtra 1.5 lakh+ saplings 50+ women 5,000 native seed 40,000 saplings & ~1 lakh slips 10+ ha regenerated engaged; ~749 balls produced planted across 5 ha across 45 ha (with via seed dispersa
Slide 46: Implementing Restoration
Implementing Restoration & Innovation protective irrigation interventions for dryland agricultural farmers, Koppal & Raichur, Karnataka 480 farmers across 63 Master Farmers E-PRA conducted 329 farmers 6 villages oriented trained (seed 10+ ha regenerated in 3 villages; 75 adopted seed on sustainable
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 Workplaces Recognized as India’s Best Recognized among the India's Certified as a great workplace in Health and Wellness 2026: Top 50 Workplaces in Banks 2025 Best Workplaces in BFSI 2025: by Great Place to Work ®, India Top 50 for the 9th
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