Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q4 FY2025 Earnings Presentation
50 slides from Dcb Bank's earnings presentation, Apr 25, 2025
Slide 1: Covering letter to stock exchanges
Ref. No.CO:CS:RC:2025-26:017 April 25, 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: Investor Presentation – Q4FY25
DCB Bank Limited Investor Presentation – Q4FY25
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: Q4FY25 Highlights
Q4FY25 Highlights Total business has crossed INR 1,10,000 crores Steady improvement in core fee Steady investments in front line + branch infrastructure: 464 income: INR 161 crores Q4FY25 Branches, seven branches added in Q4FY25 Strong capital adequacy ratio: Advances growth: +24.73% Y-o-Y 16.77% To
Slide 5: Performance Highlights – Q4FY25
Performance Highlights – Q4FY25 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 177 crores 2.99% 1.12% ( +13.74% Y-o-Y ) (Q4FY24: 3.23%) (Q4FY24: 1.11%) Profit After Tax Gross NPA Net NPA 24.52% 16.7
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 464 • 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 2.99% and Net NPA The Story so Far Balance Sheet as at 31-Mar-25: Dive
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 11,910 464 457 11,325 11,339 451 11,057 445 442 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Region wise Branches (%) State wise Branches (%) 19% 16% 19% 28% 4% 12% 5% 5% 8% 25% 5% 5% 8% Highly Penetrated 28% 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 98% 98% 2.9 3.0 97% 2.6 2.4 97% 96% Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 UPI Transactions (In Lakhs) Mobile Banking Financial Tr
Slide 17: Board & Management
Board & Management
Slide 18: Eminent Board of Directors
Eminent Board of Directors Amyn Jassani Farokh Subedar Iqbal Khan Independent Director Independent Director and Chairman Non-Executive (Non-Independent) Director A Fellow Member of the Institute of Chartered Accountants with more A Member of the Institute of Chartered Accountants of India and the 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 31-Mar-25) 13.0% 1.1% 4.9% 5.2% 2.4% 51,047 3.4% 0.2% 47,780 1.8% 44,465 5.7% 2.7% 42,181 40,925 3.7% 23.1% 3.1% 43.6% 9.2% Agri & Inclusive Banking (AIB) Mortgages Mortgages Tractors Corporate banking Gold Loan Kissan Credit Card MFI+BC Co
Slide 22: Update on Advances
Update on Advances Product Mix (As on 31-Mar-25) Agri & SME Mar. 31, Retail Corporate Products (INR Crores) Inclusive + 2025 Banking Banking Banking MSME (Total) Mortgages 22,278 4,695 - - 26,973 Co- lending 6,638 - - - 6,638 Gold Loans 1,746 898 - - 2,644 Corporate - - - 2,913 2,913 SME + MSME - 10
Slide 23: Disbursements
Disbursements Key Product wise Disbursement Trends (INR crores) 5,568 5.207 423 374 4,729 4,757 842 429 4,138 321 373 608 567 272 1,695 603 1,437 1,140 1,131 1,097 631 696 634 662 475 578 500 586 541 448 1,513 1,483 1,657 1,440 1,243 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Mortgages SME + MSME Corporate
Slide 24: Deposit Profile
Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) 60,031 11.2% 13.4% 13.5% 13.3% 17.0% 15.8% 49,353 10.4% 8.8% 7.8% 7.6% 7.5% 11.0% 41,239 70.6% 70.0% 34,692 77.0% 80.6% 81.2% 45,310 84.6% 30,370 29,704 36,511 30,343 78.4% 78.7% 79.1% 77.8% 76.7% 25,411 72.0% 23,851 22,917 29.
Slide 25: Funding Mix
Funding Mix Funding Mix (INR crores) Credit Rating 2.3% 1.2% 3.4% 4.1% 5.3% Instruments CRISIL CARE 8.9% 8.2% 7.7% 7.4% 7.9% Long Term – Subordinated Debt AA-/Stable AA-/Stable 65.7% 67.6% 66.1% 66.3% 65.5% Certificates of Deposits A1+ A1+ 23.1% 23.0% 22.8% 22.2% 21.3% Short – Term Fixed Deposits A1
Slide 26: Asset Quality
Asset Quality 3.33% 3.29% 3.11% 3.23% 74.48% 3.50% 77.30% 76.00% 2.99% 75.62% 74.76% 3.00% 2.50% 2.00% 1.11% 1.18% 1.17% 1.18% 1.12% 1.50% 1.00% 0.50% 0.00% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 GNPA NNPA Provision Coverage Ratio Gross NPA Movement Product wise Gross NPA Mar-24 Jun-24 Sep-24 Dec-24 Mar
Slide 27: Restructured Advances
Restructured Advances Restructured Advances (INR Crores) Provision on Advances (INR Crores) Net Outstanding Advances (INR Crores) 427 190 437 193 428 183 401 172 383 156 237 244 245 229 227 1,073 1,239 987 1,140 919 1,062 998 864 818 945 166 153 143 134 127 Mar-24' Jun-24 Sep-24 Dec-24 Mar-25 Mar-24
Slide 28: Collection Efficiency
Collection Efficiency Collection Efficiency (%) – Bucket 0 Portfolio Mar-24 Jun-24 Sep-24 Dec-24 Jan-25 Feb-25 Mar-25 Business Loans (LAP) 98.9% 98.9% 98.5% 99.0% 98.9% 98.8% 99.1% Home Loans 99.1% 98.9% 98.8% 98.9% 99.1% 99.0% 99.2% CV Loans 97.0% 96.5% 93.7% 96.5% 97.2% 97.2% 97.8% Collection Effi
Slide 29: Key Credit Metrics
Key Credit Metrics Slippages Gross NPA (%) Net NPA (%) Slippages (%) (excl. Gold Loan) (%) 1.18% 1.17% 1.18% 3.33% 3.29% 3.67% 3.71% 3.59% 2.31% 2.54% 3.23% 2.20% 2.50% 3.35% 1.94% 3.11% 3.09% 1.12% 2.99% 1.11% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-2
Slide 30: Provisions – Balance Sheet
Provisions – Balance Sheet Provisions – Balance Sheet (INR crores) Sep-2024 Dec-2024 Mar-2025 Performing Advances (A) 43,965 47,237 50,493 Provisions excluding NPA Provision (B) 471 480 492 Provision as a percentage of Performing Advances (B/A) 1.07% 1.02% 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 11.71% 7.34% 11.50% 11.39% 11.44% 11.54% 7.14% 7.19% 7.17% 7.20% 7.28% 7.08% 7.10% 7.09% 7.12% 3.62% 3.39% 3.30% 3.27% 3.29% Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q4FY24 Q1FY2
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) 16.59% 16.77% 37,966 16.29% 15.95% 15.55% 2.06% 2.47% 35,184 35,367 1.95% 2.75% 1.90% 34,225 32,834 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Risk Weighted Assets / Total Assets (%) 14.53% 14.00% 14.30% 13.65% 13.54% 53.05%
Slide 34: Consistent Growth in Fee Income
Consistent Growth in Fee Income Non-Interest Income Break Up (%) – Mar 25 (Q4) Non-Interest Income (INR crores) 219 205 1.92% 184 3.88% 1.13% 136 143 19.62% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Core Fee Income (INR crores) 73.45% 161 139 141 118 114 Commission, Exchange & Brokerage Profit on Sale of I
Slide 35: Financial Highlights
| Financial Highlights
Slide 36: Profit & Loss Statement – Q4FY25
Profit & Loss Statement – Q4FY25 (INR crores) Q4FY25 Q4FY24 Y-o-Y Q3FY25 Q-o-Q FY25 FY24 Y-o-Y Interest Income 1,742 1,445 1,671 6,471 5,362 Interest Expense 1,184 937 1,128 4,364 3,434 Net Interest Income 558 508 +10% 543 +3% 2,107 1,928 +9% Other Income 219 136 +61% 184 +19% 750 474 +58% - Commiss
Slide 37: Profit & Loss Statement – Q-o-Q
Profit & Loss Statement – Q-o-Q (INR crores) Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Interest Income 1,445 1,489 1,568 1,671 1,742 Interest Expense 937 992 1,059 1,128 1,184 Net Interest Income 508 497 509 543 558 Other Income 136 143 205 184 219 - Commission, Exchange and Brokerage 118 114 139 141 161 -
Slide 38: Balance Sheet – Q-o-Q
Balance Sheet – Q-o-Q (INR crores) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Capital & Liabilities Shareholders Equity 5,071 5,185 5,351 5,489 5,691 Deposits 49,353 51,690 54,532 56,678 60,031 Borrowings 6,219 5,343 6,820 7,389 9,115 Other Liabilities and Provisions 2,394 2,298 2,252 2,011 1,973 Total 63,0
Slide 39: Profit & Loss Statement – Trend
Profit & Loss Statement – Trend (INR crores) FY21 FY22 FY23 FY24 FY25 Y-o-Y Interest Income 3,458 3,513 4,200 5,362 6,471 Interest Expense 2,171 2,155 2,483 3,434 4,364 Net Interest Income 1,287 1,358 1,717 1,928 2,107 +9% Other Income 445 452 409 474 750 +58% - Commission, Exchange and Brokerage 19
Slide 40: Balance Sheet – Trend
Balance Sheet – Trend (INR crores) Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Y-o-Y Capital & Liabilities Shareholders Equity 3,759 4,049 4,566 5,071 5,691 +12% Deposits 29,704 34,692 41,239 49,353 60,031 +22% Borrowings 4,482 4,082 4,118 6,219 9,115 +47% Other Liabilities and Provisions 1,657 1,970 2,443 2
Slide 41: Shareholding Pattern
Shareholding Pattern Shareholding as on March 31, 2025 4.98% Key Non-Promoter Institutional Shareholders % 14.70% HDFC Mutual Fund* 5.27 Tata Mutual Fund* 5.16 38.19% Franklin Templeton Asset Management (India) Pvt Ltd* 4.55 ICICI Venture Funds Management Company Limited (India Advantage Fund S4 I)
Slide 42: ESG Initiatives
ESG Initiatives Environment Social Governance • Total number of employees volunteered: 4,738 • Sustainable livelihood created through aquaculture • The Board of Directors comprise executive and • Total number of local citizens, students and farming and production in coastal Kendrapada non-executive
Slide 43: Competitive Advantage
Competitive Advantage Technology innovations helping to create a competitive advantage for our products / services by enabling efficiency and differentiation in the market DCB WOW Savings Account for Women GeM & Gradatim o Savings Account only for women o Governance emarket portal will facilitate on
Slide 44: Digital Initiatives & Enhancements
Digital Initiatives & Enhancements FinnOne loans self-service option via Gold Loan Account Opening (Straight NiyoX Product enhacement - Insta Debit DCB Remit Automation 1.Basic Research WhatsApp Banking 3.Development through processing) Card issuance o Allowing Asset & Gold Loan customer to o TAT re
Slide 45: CSR Initiatives
CSR Initiatives Green Mile part 2, dry waste collection, Infrastructure and material recovery sanitation facility, plastic Restoring grassland for recycling & wet waste biodiversity conservation, development to reduce human-wildlife management for sustainable livelihood & organic fertilizer, climate
Slide 46: Plantation of 50,000 trees for carbon neutrality
Plantation of 50,000 trees for trees for carbon neutrality …Sonebhadra district, Uttar Pradesh The agroforestry plantation project also positively Carbon Sequestration Total of 33 farmers have 644 male workers and 547 impacts the wider Planted 50,000 fruiting Work was generated for potential is 10,0
Slide 47: Restoration & Innovative Protected Irrigation Interventions
Restoration & Innovative Protected Irrigation Interventions ... for Dryland Agricultural Farmers, Raichur & Koppal dist., Karnataka Revived existing but damaged lift irrigation system Mandalgudda village, used for protective irrigation for 13 rainfed farmers INR 32.86 lakh Mapping identification of
Slide 48: Awards & Accolades (1/2)
Awards & Accolades (1/2) 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 49: Awards & Accolades (2/2)
Awards & Accolades (2/2) Certified as a great workplace by Great Place Recognized amongst top 10 in India’s One of the ET NOW Best Brands of 2024 to Work ®, India for the 9th time in a row Best Workplaces in Health and Wellness 2024.* Recognized amongst top 50 in India’s Best Workplaces in BFSI 2025
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