Slides
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Investor Presentation - Q2 FY27 DCB Bank Limited
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2 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, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third-party statements and projections. Safe Harbour
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3 483 Branches – Steady investments in front line + branch infrastructure Advances growth: +21.05% Y-o-Y CASA Ratio at 22.30% Provision Coverage Ratio: 81.38% Savings Account growth: 13.62% Y-o-Y Top 20 deposits: 6.56% Healthy capital adequacy ratio: 16.63% Performance Highlights Credit cost: 0.28% Q2FY27 Highlights Strong core fee income: INR 195 crores Q2FY27 Deposits growth: +18.62% Y-o-Y Gross NPA: 2.29% & Net NPA: 0.73% Total business has crossed INR 1,40,000 crores PAT: INR 236 crores (Growth: +28.54% Y-o-Y)
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4 Advances growth compared with Q2FY26: Performance Highlights – Q2FY27 INR 92,648 crores ( +17.44% Y-o-Y ) Balance Sheet Size Profit After Tax 2.29% (Q2FY26: 2.91%) Gross NPA Advances 16.63% (Q2FY26: 16.41%) Capital Adequacy Ratio 81.38% (Q2FY26: 74.15%) Provision Coverage Ratio Deposits 0.73% (Q2FY26: 1.21%) Net NPA 22.30% (Q2FY26: 23.52%) INR 76,839 crores ( +18.62% Y-o-Y ) INR 64,127 crores ( +21.05% Y-o-Y ) INR 236 crores ( +28.54% Y-o-Y ) CASA Ratio Retail Mortgages +9% Y-o-Y Co-lending -12% Y-o-Y Construction Finance +6% Y-o-Y AIB +23% Y-o-Y
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5 Performance Highlights – FY2026 INR 88,069 crores ( +14.66% Y-o-Y ) Balance Sheet Size Profit After Tax 2.45% (FY25: 2.99%) Gross NPA Advances* 16.55% (FY25: 16.77 %) Capital Adequacy Ratio 78.42% (FY25: 74.48%) Provision Coverage Ratio Deposits 0.89% (FY25: 1.12%) Net NPA 22.38% (FY25: 24.52%) INR 72,583 crores ( +20.91% Y-o-Y ) INR 60,022 crores ( +17.58% Y-o-Y ) INR 732 crores ( +18.89% Y-o-Y ) CASA Ratio Retail Mortgages +8% Y-o-Y Co-lending +25% Y-o-Y Construction Finance +14% Y-o-Y AIB +19% Y-o-Y*
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About Us
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7 About Us • To be the most innovative and responsive neighborhood bank in India serving entrepreneurs, individuals, and businesses while ensuring strong governance, good working atmosphere for employees and be responsible towards society and environment • New generation private sector bank with PAN India presence through branches across majority of States and Union Territories • A National Bank catering to self employed segment.• Mortgage, MSME/SME, Educational Institutional loans, Agri and Gold Loan focus • Granular secured small ticket lending • Diversified portfolio (Deposits and Advances) • Proven capital efficient business model • Stable & skilled management team • Expanding branch network • Technology savvy & innovative, with cutting edge technology products • Efficient capital consumption & strong Capital Adequacy • Promoted by the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Limited (holds 16.22%) • Institutions (including FII + FPI) 45.87% (non promotor institutional shareholding above 1% is 31.26%) Company Vision Promoter & ShareholdingAttributes Background
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8 01 Target self-employed, MSME/SME, Retail segment. Focus on products that enhance customer engagement. 07 Continuously strengthen credit (underwriting, collections, recoveries, portfolio monitoring and analytics) 03 Limit Corporate, unsecured and lumpy exposures 09 Generate steady granular Fee Income through bancassurance, mutual funds, trade, remittances, foreign exchange and cash management 04 Focus on retail Mortgages*, MSME/SME Overdraft and Term Loans, Educational Institutional Loans, Tractor Finance, KCC, Gold Loans, Construction Finance, TReDS and Co-lending 10 Continuously improve Liquidity management, Cost productivity, Operational Risks and HR processes Provide apt financial solution to meet the surplus, deficit, risk protection and trade finance requirements of self-employed customers. 12 06 Target Tier 2 to Tier 6 locations 05 Rely mainly on Retail Deposits (CASA, Term Deposits). Limit dependency on bulk deposits. Use long term refinance options (SIDBI, NABARD and NHB) 11 Form strategic alliances to enhance products, segments and distribution Business Strategy Create a diversified, secured and granular portfolio 08 Invest continuously in digital agenda to improve frontline and customer experience 02 *Includes Home Loan & LAP 13 We have the opportunity to scale up into an organisation, which provides timely, tailormade solutions that meet all the financial needs of the self-employed businessmen in every neighborhood where we operate.
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9 Wide Range of Products *Offered to existing customers Deposit Products Current and Savings (CASA) NRI Deposits Recurring Deposits Fixed Deposits CGAS Accounts Debit Card Travel Smart Card Secured Credit cards DCB Niyo Debit Card DCB Niyo Credit Card DCB ZET Credit Card DCB Novio Credit Card Bill / Utility Payments IMPS, RTGS , NEFT, UPI Remittances Tax Payments POS Terminals UPI LITE NACH CTS-Continuous Clearing Life Insurance General Insurance Health Insurance Mutual Funds Portfolio Management Services (PMS) Home Loan Business Loan / Loan Against Property (LAP) Overdraft / Working Capital Auto Loan* Co-Lending Gold Loan Tractor Loan Retail Microfinance Commercial Vehicle* Construction Equipment* Construction Finance Dealer Trade Advance Kisan Credit Card Term Loan to MFIs ODTD Educational Institute Finance Locker Facility Cash Management Services ASBA Online Cards Payments Other Services SME, Corporate Banking, NBFCs, Co-operative Banks Advances Focused on Secured Lending Third Party Distributions Supply Chain Trade Current Account Foreign Exchange Working Capital Cash Management Corporate Banking Capital Management Term Loan Bills Collection Invoice Discounting Current Account Guarantees Import/ Export Letters of Credit Retail and Agri & Inclusive Banking
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10 Return on Assets at 1.03% for Q2FY27 Return on Equity at 14.60% for Q2FY27 Key Ratios Cost to Average Assets / Cost to Income Ratio Asset Quality & Credit Costs Margins Balance Sheet (Deposits & Advances) Capital Efficient Business Model- Potential to deliver healthy ROA/ROE over time Outlook & Way Forward Balance Sheet as at 30-Sep-26: INR 92,648 crores Advances of INR 64,127 crores with a focused approach towards secured small ticket lending Aim to double the Balance Sheet size every three to four years Mortgages (Home Loan + LAP), MSME/SME, Gold Loan, Co-lending, AIB, Construction Finance expected to lead the growth Diversified portfolio with focus on robust yields resulting in healthy/ steady NIMs NIM of 3.25% for Q2FY27 Business Model NIMs 350 bps to 365 bps Improving CASA, diversified Advances portfolio, achieving Agri PSL and containing NPAs Gross NPA at 2.29% and Net NPA at 0.73% Provision Coverage Ratio at 81.38% Credit cost at 0.28% for Q2FY27 Margin of Safety (Operating Profit / Provisions) for Q2FY27 at 5.93 Cost to Average Assets at 2.47% for Q2FY27 Cost to Income at 59.64 % for Q2FY27 Headcount at 12,002 and branch network at 483 Target GNPA below 2.50% and NNPA of 1.00%. Business Model Credit costs of 45 bps to 55 bps to Average Assets Target margin of safety (Operating Profit / Provisions of 3 to 4 times) Return on Assets (ROA) Target 1% or above in near term Return on Equity (ROE) FY 26-27 - 13.5% FY 27-28 - 14.5% * Without considering any fresh capital that may be raised during this period. Target Cost to Income Ratio of 60% or below in near term Target Cost to Average Assets of 2.50% to 2.60% The Story so Far
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Customer Service and Digital Initiatives
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12 17% 11% 8% 7% 7%6%5% 5% 5% 4% 4% 21% Maharashtra Odisha Telangana Gujarat Madhya Pradesh Karnataka Andhra Pradesh Uttar Pradesh Rajasthan Delhi Tamil Nadu Others 28% 29% 25% 18% Metro Urban Semi Urban Rural Well Penetrated Distribution Network Head count Branches 468 469 480 480 483 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Note: Map not to scale. All data, information, and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness 10,792 10,981 11,374 11,554 12,002 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Region wise Branches (%) State wise Branches (%) Highly Penetrated Moderate Penetrated Low Penetrated Very Low Penetrated PAN India Presence Well diversified across regions/ states
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Board & Management
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14 Eminent Board of Directors (as on October 23, 2026) Chairman and Independent Director A career banker with over 40 years of experience, including 35 years with the SBI group. He has held key leadership roles, including the MD & CEO of SBI General Insurance Co Ltd for nearly 5 years making it one of the leading private sector general insurance players in India. He successfully managed senior leadership positions across Retail & Corporate banking, Technology, Compliance & Audit. Pushan Mahapatra Independent Director A qualified Chartered Accountant and Company Secretary with more than 30 years of experience, mainly with the big four accounting firms. He has also passed the Certified Information System Auditor’s (CISA) and Social Auditor’s Certification examinations. Amyn Jassani Whole Time Director (Executive Director) A Masters in Commerce (M.Com.) and is a Certified Associate of the Indian Institute of Bankers (CAIIB). He has over 40 years of banking experience, covering various aspects of branch banking and others. He has worked with ICICI Bank, having joined it from almost its inception, and earlier with Syndicate Bank and State Bank of India. Krishnan Sridhar Seshadri Independent Director A Member of the Institute of Chartered Accountants of India and the Institute of Cost and Works Accountants of India with more than 37 years of experience with Hindustan Unilever & the Times Group in the finance, commercial, governance, audit/ assurance functions. Thiyagarajan Kumar Managing Director & CEO A business leader with over 35 years of banking experience. In DCB Bank he has held various roles, heading Retail Banking , Agri Banking & SME Banking in the last 18 years. He has worked with Citibank India and North America, where he successfully managed multiple consumer banking businesses. He holds a B.Com and an MBA degree. Praveen Kutty Independent Director An Engineer and certified Cost Accountant and with a remarkable career spanning over 35 years, during which he has held significant leadership roles at esteemed organization such as Ford, TVS, Ashok Leyland, Unilever, and Pfizer. He is particularly skilled in integrating cybersecurity best practices, implementing IT security audits, and driving continuous improvement initiatives across organizations. Balu Srinivasan Independent Director A senior banker with almost 30 years of experience with HSBC in the Corporate and Institutional banking domain. He worked in various capacities including the Managing Director and Head India - Corporate & Institutional Banking, covering HSBC’s Corporate & Financial Sector Clients (local and multi-national). Tarun Balram Neeta Sudhir Rege Independent Director A senior banker with over 38 years of experience in Compliance, Financial Crime Compliance, Conduct and Consumer Banking. She served under various capacities in Standard Chartered Bank, including as a Chief Compliance Officer until her retirement. She is a Commerce graduate and has done Masters in Management Studies. Non-Executive (Non-Independent) Director A senior banker & economist, holds a Bachelor and Master degree from the London School of Economics, UK and was associated with HDFC for over 20 years at various positions including as its Executive Director. He was Ex-Managing Director of IDFC Limited up to March 2004 and Ex-Chairman of DCB Bank Ltd since June 2005 till August 2021. Nasser Munjee Independent Director A Member of the Institute of Chartered Accountants of India and the Cost Accountant with over 31 years’ experience across various Unilever Group companies in India and abroad, Standard Chartered Bank and others. Somasundaram PR Non- Executive (Non-Independent) Director A graduate and an MBA from KJ Somaiya Institute of Management Studies and Research, University of Mumbai, Mr. Nadir Bhalwani is a CISA from ISACA USA and has completed the Global CIO Certification – Executive Program from the Indian School of Business, Hyderabad. He has held leadership position in technology at top institutions such as CRISIL and IL&FS Investsmart. Nadir Bhalwani Independent Director Suhail Nathani He holds an M.A in Law from University of Cambridge and LLM from Duke University and is qualified to practice in India and New York. He is the Co-Founder and Managing Partner of Economic Laws Practice (ELP) with over 30 years of experience in M&A, Competition, trade and regulatory law. He has represented India at the WTO and also served as counsel to the CCI & SEBI. He also serves on various ‘Not for Profit’ board
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15 Experienced Team of Professionals Abhijit Bose • Designation: Chief Credit Officer • Years of Experience: 35+ • Designation: Head Treasury, FIG And Chief Investor Relationship Officer • Years of Experience: 33+ Ajit Kumar SinghAjay Mathur • Designation: Head – Collections & Commercial Vehicles • Years of Experience: 33+ Ashu Sawhney • Designation: Head – Human Resources • Years of Experience: 33+ Bappa Roy • Designation: Chief Data Protection Officer • Years of Experience: 34+ Damodar Agarwal • Designation: Head – Strategic Initiatives & Alternate Channels • Years of Experience: 30+ Gaurav Mehta • Designation: Head – Marketing, PR, Corporate Communications, CSR • Years of Experience: 31+ Durga Prasad Rath • Designation: Business Unit Head - AIB Branch Banking • Years of Experience: 30+ • Designation: Head – Corporate Banking, Construction Finance And SME • Years of Experience: 32+ J. K Vishwanath Kamala Kant Pandey • Designation: Head – Gold Loans and Trade Finance • Years of Experience: 31+ Krishna Ramasankaran • Designation: Chief Internal Auditor • Years of Experience: 30+ • Designation: MD & CEO • Years of Experience: 35+ Praveen KuttyMahesh Kutty • Designation: Chief Risk Officer • Years of Experience: 21+ • Designation: Chief Compliance Officer. • Years of Experience: 31+ Manoj Joshi Meghana Rao • Designation: Chief Operating Officer – Branch, Trade and Treasury Operations • Years of Experience: 25+ Rubi Chaturvedi • Designation: Company Secretary • Years of Experience: 19+ Shankershan Vasisth • Designation: Deputy Chief Compliance Officer. • Years of Experience: 26+ Ravi Kumar • Designation: Chief Financial Officer • Years of Experience: 30+ Vikash Agarwal • Designation: Head – Marketing Services • Years of Experience: 27+ Parthasarathy Karlapati • Designation: – Chief of Internal Vigilance (CIV) • Years of Experience: 31+ Murali Rao • Designation: Chief Technology Officer • Years of Experience: 25+ N C Kaushal • Designation: Business Head – Construction Finance • Years of Experience: 34+ Narendranath Mishra • Designation: Head – Retail & Agri Loans • Years of Experience: 26+ • Designation: Head – Branch Banking • Years of Experience: 29+ Pankaj Sood • Whole Time Director (Executive Director) • Years of Experience: 40+ Krishnan Sridhar Seshadri
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Business Update
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17 23.9% 37.7% 8.0% 9.4% 0.4% 3.2% 11.7% 5.7% Agri & Inclusive Banking (AIB) Mortgages Corporate banking Gold Loan Commerical Vehicle SME + MSME Co-lending Others Advances (INR crores) Product Mix (As on 30-Sep-26) Update on Advances 52,975 56,600 60,022 59,951 64,127 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 10.1% 3.3% 3.8% 2.9% 1.9% 0.1% 1.8% Mortgages Tractors Kissan Credit Card MFI+BC Gold Loan SME + MSME Others
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18 Product Mix (As on 30-SEP-26) Update on Advances Products (INR Crores) Retail Banking Agri & Inclusive Banking SME + MSME Corporate Banking Total Y-o-Y (%) Q-o-Q(%) Mortgages 24,151 6,485 - - 30,636 11.7% 3.8% Co- lending 7,514 101 - - 7,615 (11.4%) 1.8% Gold Loans 6,039 1,215 - - 7,254 142.3% 29.8% Corporates - 236 - 5,143 5,379 42.7% 12.8% SME + MSME 102 76 1,934 - 2,112 (8.4%) 3.0% Construction Finance 1,854 372 - - 2,226 1.8% (1.0%) Kisan Credit Card (KCC) - 2,460 - - 2,460 22.0% 5.8% Farm Equipment’s (Tractors) - 2,094 - - 2,094 22.5% 5.6% Micro Finance Institutions (MFI) - 1,246 - - 1,246 68.1% 4.3% SHG/JLG - Lending through BC - 596 - - 596 28.5% 9.4% Commercial Vehicle 228 63 - - 291 (49.2%) (17.8%) Others 2,570 366 - - 2,936 48.6% 21.8% IBPC - - - - (500) (68.5%) 66.7% Floating Provision - - - - (218) 15.0% 3.5% Total 42,458 15,310 1,934 5,143 64,127 21.1% 7.0% *percentages in parenthesis denotes degrowth
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19 1,349 1,475 1,823 1,505 1,900 440 440 501 361 384 1,145 1,045 1,960 1,758 2,409 1,375 1,422 1,951 1,428 1,586 745 1,003 1,157 1,161 1,010 313 318 437 278 409 5,367 5,703 7,829 6,491 7,698 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Mortgages SME + MSME Corporate banking AIB Gold Loan Construction Finance Disbursements Key Product wise Disbursement Trends (INR crores)
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20 Deposit Profile Deposits (INR crores) CASA Mix (%) Term Deposits Mix (%) Top 20 depositors contribute 6.56% of Total Deposits in Q2FY27 ( Q1FY27 :- 6.81% ) 23.0% 19.4% 18.8% 15.4% 15.7% 14.8% 77.0% 80.6% 81.2% 84.6% 84.3% 85.2% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 CA SA 77.8% 78.7% 79.1% 76.7% 71.5% 71.9% 8.8% 7.8% 7.6% 7.6% 7.2% 9.1% 13.4% 13.5% 13.3% 15.8% 21.3% 19.0% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Resident TD Non-Resident TD Inter Bank Term Deposits 9,281 10,896 12,842 14,721 16,247 17,135 25,411 30,343 36,511 45,310 56,336 59,704 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 CASA Term Deposits 76,839 72,583 60,031 49,353 41,239 34,692
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21 Funding Mix Instruments CRISIL CARE Long Term – Subordinated Debt AA-/Stable AA-/Stable Certificates of Deposits A1+ A1+ Short – Term Fixed Deposits A1+ A1+ Funding Mix (INR crores) Credit Rating 21.5% 21.1% 20.7% 20.3% 20.7% 70.1% 71.5% 71.6% 73.4% 72.3% 5.9% 4.8% 5.4% 5.2% 4.3% 2.5% 2.7% 2.3% 1.1% 2.7% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 CASA TD Refinance Subordinate Debt & Others
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22 Product wise Gross NPA (INR Crores) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Variance (Q-o-Q) Mortgages 638 643 613 603 605 +2 SME+MSME 162 158 137 131 125 -6 Corporate 146 144 144 145 141 -4 AIB 461 468 458 454 452 -2 Gold Loans* 27 29 21 26 26 0 Commercial Vehicle 53 42 35 34 38 +4 Construction Finance 27 22 21 19 24 +5 Others 54 62 67 70 78 +8 Total 1,568 1,568 1496 1482 1489 +7 Gross NPA Movement (INR Crores) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Opening Balance (A) 1,554 1,568 1568 1496 1482 (+) Fresh Slippages 401 403 320 401 437 (+) Addition to Existing NPAs 1 0 3 6 1 Sub-Total (B) 402 403 323 407 438 (-) Recoveries 165 194 199 222 236 (-) Upgrades 163 150 154 152 191 Sub-Total (C) 328 344 353 374 427 (-) Write Offs / Sacrifice (D) 60 59 42 47 4 Closing Balance (A+B-C-D) 1,568 1,568 1496 1482 1489 Fresh Slippage Ratio 3.17% 3.08% 2.28% 2.69% 2.94% Recoveries & Upgrades to Slippages 81% 86% 109% 92% 97% Asset Quality *Includes Co-Lending 2.91% 2.72% 2.45% 2.43% 2.29% 1.21% 1.10% 0.89% 0.84% 0.73% 74.15% 75.35% 78.42% 79.81% 81.38% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 GNPA NNPA Provision Coverage Ratio
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23 Restructured Advances Restructured Advances (INR Crores) 1,779 1,239 945 779 730 309 427 383 210 175 0 500 1000 1500 2000 2500 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Standard NPA Net Outstanding Advances (INR Crores) 1,550 1,073 818 675 635 143 190 156 93 67 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Standard NPA
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24 Collection Efficiency Collection Efficiency (%) – Bucket 0 Collection Efficiency Overall (Including delinquent and restructured book) % Portfolio Sep-25 Dec-25 Mar-26 Jun-26 Jul-26 Aug-26 Sep-26 Business Loans (LAP) 98.9% 99.1% 99.3% 99.3% 99.3% 99.2% 99.2% Home Loans 99.0% 99.1% 99.5% 99.3% 99.3% 99.2% 99.3% CV Loans 96.5% 98.3% 98.5% 97.3% 97.3% 96.9% 96.4% Portfolio Sep-25 Dec-25 Mar-26 Jun-26 Jul-26 Aug-26 Sep-26 Business Loans (LAP) 97.7% 98.2% 98.6% 98.4% 98.6% 98.5% 98.4% Home Loans 97.9% 98.3% 98.8% 98.5% 98.5% 98.4% 98.6% CV Loans 93.2% 97.0% 96.4% 94.9% 94.8% 93.8% 92.7%
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25 Key Credit Metrics (Q-o-Q) Net NPA (%) PCR (Incl. Technical write- off) 1.21% 1.10% 0.89% 0.84% 0.73% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 74.15% 75.35% 78.42% 79.81% 81.38% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Slippages (%) PCR (excl. Technical write- off) 3.17% 3.08% 2.28% 2.69% 2.94% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 59.15% 60.26% 64.30% 65.96% 68.75% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 0.31% 0.37% 0.32% 0.26% 0.28% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Slippages (excl. Gold Loan) (%) Credit Cost (%) 2.50% 2.24% 1.47% 1.52% 1.55% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Gross NPA (%) 2.91% 2.72% 2.45% 2.43% 2.29% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 5.88% 6.21% 5.30% 7.33% 8.04% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Slippages (Gold Loan) (%)
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26 (INR crores) Mar-2026 Jun-2026 Sep-2026 Performing Advances (A) 59,502 59,460 63,674 Provision For NPA (B) 759 767 806 Provisions excluding NPA Provision (C) 527 532 552 Provisions – Balance Sheet Provisions – Balance Sheet
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27 Key Ratios (Q-o-Q) Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins Cost to Average Assets Cost to Income Ratio Return on Assets Return on Equity 11.11% 10.98% 10.98% 10.75% 10.73% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 7.01% 6.93% 6.89% 6.75% 6.67% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 6.96% 6.86% 6.84% 6.71% 6.65% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 3.23% 3.27% 3.39% 3.35% 3.25% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 0.94% 0.91%* 0.97% 0.96% 1.03% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 2.43% 2.59%* 2.47% 2.42% 2.47% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 61.15% 61.84%* 60.53% 60.92% 59.64% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 13.20% 12.73%* 13.53% 13.61% 14.60% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes
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28 Key Ratios (Y-o-Y) 10.71% 11.05% 11.57% 11.47% 11.07% FY22 FY23 FY24 FY25 FY26 6.16% 6.11% 6.94% 7.23% 7.00% FY22 FY23 FY24 FY25 FY26 3.56% 3.93% 3.65% 3.31% 3.28% FY22 FY23 FY24 FY25 FY26 6.05% 6.03% 6.86% 7.15% 6.94% FY22 FY23 FY24 FY25 FY26 2.45% 2.80% 2.68% 2.64% 2.50%* FY22 FY23 FY24 FY25 FY26 0.70% 0.97% 0.93% 0.89% 0.91%* FY22 FY23 FY24 FY25 FY26 Cost to Average Assets Cost to Income Ratio Return on Assets Return on Equity Yield on Advances (%) Cost of Funds Cost of Deposits Net Interest Margins 55.96% 63.00% 64.01% 63.70% 60.87%* FY22 FY23 FY24 FY25 FY26 7.92% 11.70% 12.05% 12.30% 12.77%* FY22 FY23 FY24 FY25 FY26 *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes
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29 Book Value Per Share and Profit After Tax – Trend Book Value Per Share (INR)** 180 185 191 198 203 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Profit After Tax (INR Crores) Q-o-Q 184 185* 206 213 236 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 **Excluding Revaluation Reserve. Profit After Tax (INR Crores) Y-o-Y *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes 288 465 536 615 732* FY22 FY23 FY24 FY25 FY26
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30 Capital Adequacy Ratio Capital Adequacy Ratio (%) Risk Weighted Assets (INR crores) Risk Weighted Assets / Total Assets (%) 38,718 40,808 43,232 43,298 45,661 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 49.08% 49.86% 49.09% 48.79% 49.28% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 13.97% 13.45% 14.26% 14.90% 14.57% 2.44% 2.39% 2.29% 2.13% 2.06% 16.41% 15.84% 16.55% 17.03% 16.63% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Tier I Tier II
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31 Consistent Growth in Fee Income 78.00% 11.00% 6.00% 3.00% 2.00% Commission, Exchange & Brokerage Profit on Sale of Investments Profit on Exchange Transactions Profit on Revaluation of Investments Other Income Non-Interest Income Break Up (%) – Sep 26 (Q2) 158 182 198 175 195 23 29 10 16 28 5 10 4 5 26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Other Profit/(Loss) on sale of Investments Commission, Exchange and Brokerage Non-Interest Income (INR crores) 186 221 212 196 249
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Financial Highlights
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33 (INR crores) Q2FY27 Q2FY26 Y-o-Y Q1FY27 Q-o-Q FY26 FY25 Y-o-Y Interest Income 2,051 1,823 1,984 7,405 6,471 Interest Expense 1,352 1,227 1,300 4,948 4,364 Net Interest Income 699 596 +17% 684 +2% 2,457 2,107 +17% Other Income 249 186 +34% 196 +27% 855 750 +14% - Commission, Exchange and Brokerage 195 158 175 671 555 - Profit/(Loss) on sale of Investments 28 23 16 163 151 - Profit/(Loss) on Exchange Transactions 16 -2 -2 -3 10 Total Operating Income 948 782 +21% 880 +8% 3,312 2,857 +16% Operating Expenses 565 478 +18% 536 +5% 2,016 1,820 +11% Employee Expenses 283 243 267 1,026* 923 Other Expenses 282 235 269 990 897 Operating Profit 383 304 +26% 344 +11% 1,296 1,037 +25% Provisions and Contingencies 65 61 +7% 57 +13% 319 208 +53% Net Profit Before Tax 318 243 +31% 287 +11% 977 829 +18% Tax 82 59 74 245 214 Profit After Tax 236 184 +29% 213 +11% 732 615 +19% Profit & Loss Statement – Q2FY27 *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes
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34 (INR crores) Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Interest Income 2,051 1,984 1,907 1,861 1,823 Interest Expense 1,352 1,300 1,252 1,236 1,227 Net Interest Income 699 684 655 625 596 Other Income 249 196 212 221 186 - Commission, Exchange and Brokerage 195 175 198 182 158 - Profit/(Loss) on sale of Investments 28 16 10 29 23 - Profit/(Loss) on Exchange Transactions 16 -2 0 1 -2 Total Operating Income 948 880 867 846 782 Operating Expenses 565 536 525 523 478 Employee Expenses 283 267 262 269* 243 Other Expenses 282 269 263 254 235 Operating Profit 383 344 342 323 304 Provisions and Contingencies 65 57 69 74 61 Net Profit Before Tax 318 287 273 249 243 Tax 82 74 67 64 59 Profit After Tax 236 213 206 185 184 Profit & Loss Statement – Q-o-Q *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes
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35 (INR crores) Sep-26 Jun-26 Mar-26 Dec-25 Sep-25 Capital & Liabilities Shareholders Equity 6,941 6,771 6,535 6,350 5,973 Deposits 76,839 74,482 72,583 67,754 64,777 Borrowings 5,751 5,021 6,086 5,472 5,929 Other Liabilities and Provisions 3,117 2,478 2,865 2,264 2,211 Total 92,648 88,752 88,069 81,840 78,890 (INR crores) Sep-26 Jun-26 Mar-26 Dec-25 Sep-25 Assets Cash, Interbank etc. 3,163 4,600 4,220 2,688 2,500 Investments 21,375 20,873 20,378 19,620 20,496 Advances 64,127 59,951 60,022 56,600 52,975 Fixed Assets 979 985 989 999 893 Other Assets 3,004 2,343 2,460 1,933 2,026 Total 92,648 88,752 88,069 81,840 78,890 Balance Sheet – Q-o-Q
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36 (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 671 555 388 303 238 - Profit/(Loss) on sale of Investments 163 151 33 11 81 - Profit/(Loss) on Exchange Transactions -3 10 16 28 28 Total Operating Income 3,312 2,857 +16% 2,402 2,126 1,810 Operating Expenses 2,016 1,820 +11% 1,538 1,339 1,013 Employee Expenses 1,026* 923 794 693 539 Other Expenses 990 897 744 646 474 Operating Profit 1,296 1,037 +25% 864 787 797 Provisions and Contingencies 319 208 142 159 407 Net Profit Before Tax 977 829 +18% 722 628 390 Tax 245 214 186 162 102 Profit After Tax 732 615 +19% 536 466 288 Profit & Loss Statement – Trend *After absorbing an impact of ₹ 26.87 Cr pursuant to the new Labour Codes
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37 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% 2,394 2,443 1,970 Total 88,069 76,810 +15% 63,037 52,366 44,793 (INR crores) Mar-26 Mar-25 Y-o-Y Mar-24 Mar-23 Mar-22 Assets Cash, Interbank etc. 4,220 2,699 +56% 3,066 2,368 4,091 Investments 20,378 20,150 +1% 16,211 12,582 9,051 Advances 60,022 51,047 +18% 40,925 34,378 29,096 Fixed Assets 989 898 +10% 865 826 661 Other Assets 2,460 2,016 +22% 1,970 2,212 1,894 Total 88,069 76,810 +15% 63,037 52,366 44,793
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38 Key Non-Promoter Institutional Shareholders % Tata Mutual Fund* 5.03 Bandhan Mutual Fund* 4.76 Franklin India Small Cap Fund 3.79 Sundaram Mutual Fund* 3.16 Motilal Oswal Mutual Fund* 2.43 Mirae Asset Mutual Fund* 2.01 Mahindra Manulife Mutual Fund* 1.89 Oman India Joint Investment Fund II 1.71 BOFA Securities Europe SA – ODI 1.58 Altitude Investment Fund 1.52 HDFC Life Insurance Co. Ltd. 1.23 Investor Education and Protection Fund Authority Ministry of Corporate Affairs** 1.15 Aditya Birla Sunlife Small Cap Fund 1.01 16.22% 45.87% 1.15% 2.37% 28.88% 5.51% Shareholding as on September 30, 2026 AKFED & PJI* Institutions*** Govt. IEPF A/c MCA Others (Non Institutional)** Individuals Bodies Corporates Shareholding Pattern Equity Shares as on Sep 30, 2026 – 32,21,89,412 shares • DCB Bank is promoted by the Aga Khan Fund for Economic Development (AKFED) • AKFED is an international agency dedicated to promoting entrepreneurship and building economically sound companies • AKFED operates as a network of affiliates with more than 90 separate project companies employing over 47,000 people. • AKFED is active in the developing countries *Held under various schemes/ funds/ entities. **Shares pertaining to unpaid dividend amounts, transferred as per regulatory requirement *AKFED: Aga Khan Fund for Economic Development & PJI: Platinum Jubilee Investment Ltd **Includes Clearing Members (0.113%), Non-Resident Indians (1.964%),Trusts (0.003%), Unclaimed shares (0.087%) & Directors & their relatives (0.198%) ***Institutions includes 15.47% held by FII & FPI
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39 • Regular employee engagements, training and wellness initiatives are carried out throughout the year. (DCB Health Carnival, Employee Assistance Program, and Walkathon) • Various feedback surveys like Great Place to work, Internal ESQ, S-PEAK (survey for understanding supervisor feedback) are conducted to check employee sentiment • The Bank undertakes community livelihood improvement and development program, watershed development, biodiversity enhancement, waste management, and waste recycling programs in alignment with the United Nations Sustainable Development Goals – UNSDG • Various initiatives for enhancing customers satisfaction and grievance redressal • Engagement for feedback from various stakeholders like shareholders, customers and employees Social GovernanceEnvironment • Some of the ESG initiatives for reducing GHG emissions are: Direct/Indirect lending under Sustainable Finance, Secured disposal of E waste after clearing all the data, • Various energy usage reduction measures have been implemented • Board level Committee for implementing and reviewing ESG initiatives in the Bank • Undertaken materiality analysis and identified 16 material ESG issues for the Bank with the assistance of an external consultant • Board approved ESG Policy. • The Board of Directors comprise of adequate mix of Executive, Non- executive and Independent Directors • The Board of Directors meets 12-15 times in a year • Training program for the Board Directors on Cyber Security, Risk, Governance, ESG, etc. ESG Initiatives
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40 Digital Initiatives & Enhancements E-Payment Integration with Employees Provident Fund Organization (EPFO) DCB Business Mobile Banking Jansuraksha portal Integration UPI – Enhancements DCB Bank is now an authorized bank for EPFO enabling employers (DCB Bank Customer) to make provident fund contributions. Quick and Seamless payment process No paperwork – Completely digital A mobile app is launched for the business users Enabling 24/7 access to business accounts Online and real time view and authorization of payments View and download account statements, FD advice and balance certificate Services such as Transfer funds, real time notifications, positive pay are available. Government portal for sourcing and servicing of Pradhan Mantri Schemes i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) New system brings in ease of process and helps Branch save time in documentation Customer enrolments and claim workflows for national schemes. Following features are launched by DCB Tap and Pay – Issuer Allows users to make contactless payments Auto Pay interoperability Allows users to port and manage recurring e-mandate across different UPI apps Biometric Authentication Authorize transactions using biometric authentication of the mobile phone UPI Help Portal Real time dispute resolution, track complaints, manage mandates directly through the portal
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41 GFF 2026 launches: a broader digital distribution engine (1/2) 13 launches strengthen acquisition, service, investments, credit and institutional banking journeys Acquire & Insights Save & Invest Borrow & Transact Assist & Secure CUBE 2.0 account opening Customer 360 DCB Niyo Teens Blostem fixed deposits Fixerra fixed deposits Stable Money fixed deposits DCB SIPPY investments Niyo Insta Credit Card SME Digitisation Tractor Loan journey School fee collection Disha AI assistant DCB WrkTalk HIGH-LEVEL FEATURE HIGH-LEVEL FEATURE HIGH-LEVEL FEATURE Paperless journeys, faster onboarding and a unified customer view for front-line teams. HIGH-LEVEL FEATURE Partner-led FD access plus a digital mutual fund journey and portfolio tracking. Digital credit, lending and payment flows with fewer manual steps and automated reconciliation. Instant deposit guidance, bank- controlled corporate communication.
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42 GFF 2026 launches: a broader digital distribution engine (2/2) The portfolio combines direct digital journeys, ecosystem distribution and stronger operating controls 01 02 03 04 CAPABILITY FEATURES LAUNCHED MANAGEMENT VALUE Digital Acquisition Open Distribution Digitized Lending & Payments Intelligence & Control Management focus Track adoption, conversion, processing time, channel mix, reconciliation exceptions and control effectiveness after launch. Paperless account opening, teen banking and faster SME onboarding Fixed deposits available through Blostem, Fixerra and Stable Money Credit card, SME loan, tractor loan and school fee journeys Customer 360, Disha AI assistant and secure DCB WrkTalk Lower customer effort and improved conversion potential Wider reach beyond the Bank’s owned channels Reduced manual handling with faster processing and reconciliation Better decisions, quicker support and bank-controlled data
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43 CSR Initiatives Grassroots projects driving lasting community impact across India We Contribute Towards Support Tech Incubators Water Waste Management Recycling Disaster Relief Renewable Energy Preserve Historical Sites CHHATTISGARH Enabling Community Forest Management in Bastar MADHYA PRADESH REVIVE - Creating Water Harvesting Structures Restoring Land & Community Prosperity , Chhatarpur UTTAR PRADESH Aranya - Restoring Landscape through Afforestation, Reforestation & Revegetation, Babina Block, Jhansi RAJASTHAN Siliserh Lake Catchment restoration: Water for Human, Livestock & Sariska's wildlife, Alwar HARYANA Waste water recycling through organic means for use in agriculture. Water circularity and climate change impact adaptation, Jhajhar UTTAR PRADESH Climate-resilient agriculture initiative in Chatra Block, Sonbhadra
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44 Watershed Development in Jalna, Maharashtra – Phase II Integrated Development of Communities through Watershed Development in Jalna, Maharashtra – Phase II Works Done: • Community meetings: 5 meetings conducted across Dhakephal and Devdi Hadgaon, engaging 65+ community members. • VDC formation: VDC formed in Devdi Hadgaon, with a total of 13 members, including 4 women. • Water User Group: Formed a Water User Group in Devdi Hadgaon village, with 8 members. • NDW planning: 2 sites identified for Phase II NDW, with 15,000 cubic meters of work per site and will benefit 150+ farmers from Devdi Hadgaon site. • Women’s engagement: 3 Women SHGs engaged, reaching 32 women. • School awareness: Reached 201 households through student awareness and engagement activities • Capacity building: Rainfall and preparedness session conducted in Dhakephal with 62 participants. • Dugwell inventory: 38 dugwells identified and measurement started near 3 nalas (1 Phase I and 2 Phase II).
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45 Crop Residue Management & diversification in Bassi Pathana block To reduce farm fires in the autumn/ winter months in north India, Fatehgarh Sahib, Punjab Works Done: • 100 farmers adopted/used the Paddy Crop Package of Practices (PoP). • 300 farmers participated in 10 Paddy Field Days conducted across 10 villages. • 10 farmers were provided with vegetable PoP to promote intercropping practices. • Capacity-building sessions were conducted with VDC members. • Number of Beneficiary engagements: 410 farmers engaged through demonstrations, field days, training, and other capacity-building activities. • Quantitative Impacts Till Date: 110 farmers engaged • Targets impact numbers vs achieved: Target – 110 | Achieved – 110
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46 Awards & Accolades (1/2) Received Best Technology Talent Award – Special mention from IBA – Retail Banking during 19th Annual Technology conference Won Gold in 13th ACEF Asian Business Leadership Award for Best CSR Partnerships for Sustainable Development Award for indigenous beekeeping in Odisha, MP and Gujarat Recognized as one of the “Most preferred workplace 2025-26” Recognised for Excellence in Talent Management & Succession Planning for our flagship 45 Under 45 Emerging Leaders at CHRO Vault Awards Won Silver in People Matter LLC Awards 25 for Emerging Leader Development Excellence for our 45 under 45 initiative Won the ProStar Awards 2025 – Buddies of Wellness Recognition, for our comprehensive employee well-being initiatives, including the EAP wellness program, YOUnity group, employee sentiment monitoring, Health Carnival, and Walkathon initiatives. Leaders’ Award recognition from SmartNext / SmartWinnr 2026 for building a business-aligned learning ecosystem. Won ‘Most Effective Recruitment Strategy of the Year’ at Synnex Awards, recognizing our innovative frontline hiring approach, campus connect leadership, and Careerwise program.
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47 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 Authentication in Modern Technology Led Innovation at Infosys Innovation Awards 2025.
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48 Great Place To Work Recognitions Recognized as India’s Best Workplaces in Banks 2026 Recognized as India’s Best Workplaces in Health and Wellness 2026: Top 50 Recognized as India’s Best Companies to Work For 2026: Top 100 Certified as a great workplace by Great Place to Work ®, India for the 10th time in a row Certified as a India’s Best Companies to work for
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Thank you 49 49 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