Interim report
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DCB Bank Limited Corporate & Registered Office: 6th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013 CIN: L99999MH1995PLC089008 Tel: +91 22 66187000 Fax: +91 22 66589970 Website: www.dcb.bank.in Ref. No.CO:CS:RC:2026-27:156 October 23, 2026 BSE Limited, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited, Exchange Plaza, Bandra Kurla Complex, Bandra (E), Mumbai – 400 051 BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK Dear Sirs, Sub: Unaudited Financial Results of DCB Bank Limited (“the Bank”) for the Quarter and Half Year ended September 30, 2026 Pursuant to the Regulation 30, 33, 52 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith the Unaudited Financial Results (Limited Reviewed) of the Bank for the quarter and half year ended September 30, 202 6 duly approved by the Board of Directors of the Bank at its meeting on October 23, 2026, along with the Limited Review Report dated October 23, 2026 of the Joint Statutory Auditors of the Bank viz. Deloitte Haskins & Sells, Chartered Accountants and M/s. Varma & Varma, Chartered Accountants. The financial results were considered and approved at 3.20 p.m. and the Board Meeting continued thereafter for consideration of other agenda items. This is for your information and appropriate dissemination. Thanking you, Yours faithfully, For DCB Bank Limited Rubi Chaturvedi Company Secretary & Compliance Officer Encl: As above
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Deloitte Haskins & Sells Chartered Accountants 19th Floor, Shapath-V, S.G. Highway, Ahmedabad - 380 015 Gujarat, India Varma & Varma Chartered Accountants 901-903, C-Wing, 9th Floor, Damji Shamji Corporate Square, Off Ghatkopar-Andheri Link Road, Ghatkopar (East), Mumbai - 400 093 Independent Auditors' Review Report on unaudited financial results of DCB Bank Limited for the quarter and half year ended 30 September 2026 pursuant to Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended To the Board of Directors of DCB Bank Limited 1 We have reviewed the accompanying Statement of unaudited financial results of DCB Bank Limited (the 'Bank') for the quarter and half year ended 30 September 2026 (the 'Statement'), being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52(4) read with Regulation 63 of the Securities and Exchange Board of India (the 'SEBI') (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (the 'Listing Regulations'), except for the disclosures relating to Pillar 3 disclosure as at 30 September 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations as have been disclosed on the Bank's website and in respect of which a link has been provided in Note 8 to the Statement and have not been reviewed by us. 2 The Statement, which is the responsibility of the Bank's Management and approved by its Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard 25, Interim Financial Reporting ('AS 25'), prescribed under Section 133 of the Companies Act, 2013 (the 'Act') read with relevant rules issued thereunder, in so far as they apply to Banks, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (RBI) from time to time (the 'RBI Guidelines') and other accounting principles generally accepted in India, and in compliance with the Listing Regulations. Our responsibility is to express a conclusion on the Statement based on our review. 3 We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410, "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India. A review of interim financial information consists of making inquiries, primarily of Bank's personnel responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards on Auditing specified under section 143(10) of the Act and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.
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Deloitte Haskins & Sells Varma & Varma 4 Based on our review conducted as stated in paragraph 3 above, nothing has come to our attention that causes us to believe that the accompanying Statement prepared in accordance with the recognition and measurement principles laid down in the aforesaid AS 25 prescribed under Section 133 of the Act read with relevant rules issued thereunder, in so far as they apply to Banks, RBI Guidelines and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Listing Regulations including the manner in which it is to be disclosed, or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters, except for the disclosures relating to consolidated Pillar 3 as at 30 September 2026, including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III Capital Regulations that will be disclosed on the Bank's website and in respect of which a link has been provided in Note 8 to the Statement and have not been reviewed by us. 5 The unaudited financial results of the Bank for the quarter and half year ended 30 September 2025 were reviewed by B S R & Co. LLP and Varma & Varma, whose report dated 17 October 2025 expressed an unmodified conclusion on the unaudited financial results and the financial results of the Bank for the year ended 31 March 2026 were audited by B S R & Co. LLP and Varma & Varma whose report dated 24 April 2026 expressed an unmodified opinion on the audited financial results. Accordingly, Deloitte Haskins & Sells does not express any conclusion/opinion on the comparative financial information·. Our conclusion on the Statement is not modified in respect of this matter. For Deloitte Haskins & Sells Chartered Accountants Firm Registration no.: 117365W �),,.7 G. K. SubLa"niam Partner Membership No.: 109839 UDIN: 16 I 0<\ K 3'\ � 02 M.G. \(9_ 9 04- Place: Mumbai Date: 23 October 2026 For Varma & Varma Chartered Accountants Firm Registration no.: 004532S KP Srinivas Partner Membership No.: 208520 UDIN: 2.b'l.0&�1..<>tnPoE'IM=:>3.�% Place: Mumbai Date: 23 October 2026
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DCB BANK DCB BANK LIMITED CIN-L99999MH1995PLC089008 Regd. Office: 601 & 602, 6th Floor,Tower A, Peninsula Business Park,Senapati Bapat Marg, Lower Parel, Mumbai - 400013 UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2026 ,, in crorel Sr. Particulars Quarter Ended Half Year Ended Year Ended No. 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 IUnaudltedl IUnaudltedl I Unaudited! IUnauditedl I Unaudited! I Audited) 1 Interest Earned (a+b+c+d) 2,050.43 1,984.31 1,822.75 4,034.74 3,636.32 7,404.46 a. Interest / Discount on advances I bills 1,633.55 1,601.17 1,441.59 3,234.72 2,871.87 5,890.03 b. Income on Investments 380.86 367.27 367.16 748.13 735.01 1,439.80 C. Interest on balances with Reserve Bank of India and Other Inter Bank Funds 32.62 12.05 7.53 44.67 15.99 47.39 d. Others 3.40 3.82 6.47 7.22 13.45 27.24 2 Other Income (Refer note 5) 249.32 196.33 186.09 445.65 422.21 855.14 3 Total Income (1+2) 2,299.75 2,180.64 2,008.84 4,480.39 4,058.53 8,259.60 4 Interest Expended 1,351.75 1,300.36 1,226.54 2,652.11 2,459.67 4,947.93 5 Operating Expenses (i+ii+iii) 565.41 536.24 478.38 1,101.65 968.05 2,015.92 i. Employees cost 283.15 267.20 243.23 550.35 494.27 1,025.94 ii. Rent, Taxes and Lighting 44.67 41.02 31.49 85.69 71.53 139.38 iii. Other Operating Expenses 237.59 228.02 203.66 465.61 402.25 850.60 6 Total Expenditure (4+5) (excluding provisions and contingencies) 1,917.16 1,836.60 1,704.92 3,753.76 3,427.72 6,963.85 7 Operating Profit before Provisions and Contingencies (3-6) 382.59 344.04 303.92 726.63 630.81 1,295.75 8 Provisions (Other than tax) and Contingencies 64.54 57.07 60.53 121.61 175.67 318.78 9 Exceptional Items - - - - - - 10 Profit from Ordinary Activities before tax (7 -8-9) 318.05 286.97 243.39 605.02 455.14 976.97 11 Tax expense 81.66 73.77 59.48 155.43 113.97 245.41 12 Net Profit from Ordinary Activities after tax (10-11) 236.39 213.20 183.91 449.59 341.17 731.56 13 Extraordinary Items (Net of tax expenses) - - - - - 14 Net Profit for the period (12-13) 236.39 213.20 183.91 449.59 341.17 731.56 15 Paid-up Equity Share Capital (Face value t 10/-) 322.19 322.08 315.16 322.19 315.16 321.90 16 Reserves excluding Revaluation Reserves 5,824.24 17 Analytical Ratios i. Percentage of shares held by Government of India Nil Nil Nil Nil Nil Nil ii. Capital Adequacy Ratio(%) - Basel Ill 16.63 17.03 16.41 16.63 16.41 16.55 iii. Earnings Per Share (EPS) (a) Basic and diluted EPS before Extraordinary items (Net of tax expenses) for the period and for the previous year (Not annualised for quarters) (i) Basic ('!') 7.34 6.62 5.84 13.96 10.85 23.01 (ii) Diluted (t) 7.29 6.58 5.81 13.86 10.78 22.82 (bl Basic and diluted EPS after Extraordinary items (Net of tax expenses) for the period and for the previous year (Not annualised for quarters) (i) Basic (t} 7.34 6.62 5.84 13.96 1085 23.01 (ii) Diluted (t) 7.29 6.58 5.81 13.86 10.78 22.82 iv. Non Performing Assets ('NPAs') Ratios (a) Amount of Gross NPAs 1,489.12 1,481.74 1,568.03 1,489.12 1,568.03 1,495.73 (b) Amount of Net NPAs 465.29 504.34 640.54 465.29 640.54 533.97 (c) % of Gross NPAs to Gross Advances 2.29 2.43 2.91 2.29 2.91 2.45 (d) % of Net NPAs to Net Advances 0.73 0.84 1.21 0.73 1.21 0.89 V. Return on Assets (%) (Annualised) 1.03 0.96 0.94 1.00 0.87 0.91 vi. Net Worth (Refer note 13 a) 6,387.53 6,216.54 5,557.21 6,387.53 5,557.21 5,980.19 vii. Outstanding Redeemable Preference Shares - - - - - - viii. Capital Redemption Reserve - - - - - - ix. Debt-Equity Ratio (Refer note 13 b) 0.40 0.44 0.29 0.40 0.29 0.49 X. Total Debt to Total Assets (Refer note 13 cl 6.21% 5.66% 7.52% 6.21% 7.52% 6.91%
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DCB BANK DCB BANK LIMITED SUMMARISED BALANCE SHEET If in crorel As at As at As at Particulars 30.09.2026 30.09.2025 31.03.2026 (Unaudited) (Unaudited) (Audited) Capital & Liabilities Capital 322.19 315.16 321.90 Employee Stock Options (Grants Outstanding, net of deferred cost) 8.28 3.80 4.93 Reserves & Surplus 6,610.19 5,653.78 6,208.16 Capital and Reserves 6,940.66 5,972.74 6,534.99 Deposits 76,838.97 64,776.52 72,583.26 Borrowings 5,750.56 5.928.85 6,086.45 Other Liabilities and Provisions 3,117.39 2,212.27 2,864.77 Total Caoital & Liabilities 92 647.58 78 890.38 88 069.47 Assets Cash and Balances with Reserve Bank of India 2,321.22 2,283.84 3,212.27 Balances with Banks and Money at Call and Short notice 841.53 216.64 1,008.16 Investments 21,374.57 20,496.09 20,378.00 Advances 64,126.59 52,974.54 60,021.76 Fixed Assets 979.19 893.47 989.26 Other Assets 3,004.48 2,025.80 2,460.02 Total Assets 92 647.58 78 890.38 88 069.47
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DCB BANK DCB BANK LIMITED CASH FLOW STATEMENT FOR THE HALF YEAR ENDED SEPTEMBER 30, 2026 (fin crorel Halfvear ended Year ended Particulars 30.09.2026 30.09.2025 31.03.2026 (Unaudited) (Unaudited) (Audited) Cash Flow from Operating Activities Net Profit after tax for the year I period 449.59 341.17 731.56 Add: Provision for income tax 155.43 113.97 245.41 Profit before taxes 605.02 455.14 976.97 Adjustments for: Provisions for Advances 110.10 177.79 309.21 Provisions for Restructured Advances (2 93) (2.95) (5.54) Provision for Investments (including fair value changes) (10.37) (2.12) (5.52) Provision for Standard Assets• 12.82 (2.42) 16.11 Provision for Other Assets and Contingencies 0.37 0.95 0.17 Depreciation / Amortisation on Fixed Assets 53.53 53.57 106.42 (Profrt)lloss on Sale of Fixed Assets (0.08) (0.07) (0.33) Amortisation of Premium I Accretion of Discount on Investments 35.37 35.39 68.99 ESOPs/CSARs Compensation 7.12 3.49 10.52 Cash Flow from Operating Activities before adjustments 810.95 718.77 1,477.00 Adjustments for: Other Adjustments lncreasel(Decrease) in Deposits 4,255.71 4,745.56 12,552.31 lncrease/(Decrease) in Other Liabilities & Provisions 235.67 238.11 866.95 (lncrease)/Decrease in Investments (202.66) 1,006.10 1,711.60 (lncrease)/Decrease in Advances (4,212.00) (2,102.47) (9,278.51) (lncrease)/Decrease in Other Assets (566.60) (7.94) (450.12) Refundl(Payment) of direct taxes (Including Tax Deducted at Source) (133.28) (115.85) (239.34) Net cash generated from/ (used in) operating activities 187.79 4 482.28 6 639.89 Cash Flow from/ (used in) Investing Activities Purchase of Fixed assets (43.47) (49.50) (90.43) Proceeds from sale of Fixed Assets 0.08 0.92 1.70 (Purchase)/Sale of Held to Maturity Securities (821.87) (1,407.21) (2,052.01) Net Cash Flow from I (used in) Investing activities (865.26 (1 455.79) (2 140.74 Cash Flow from/ (used in) Financing Activities Proceeds from Issue of Capital (including ESOPs) 2.38 4.18 93.88 Proceeds from Borrowings 1,22,047.32 1,64,011.40 2,01 ,723.95 Repayment of Borrowings (1,22,383.21) (1,67,197.72) (2,04,752.68) Dividend Paid (46.70) (42.46) (42.46) Net Cash Flow from I (used in) Financing activities (380.21 13 224.60) (2 977.31 Net increase/ (decrease) in cash and cash equivalents (1,057.68) (198.11) 1,521.84 Cash and cash equivalents at the beginning of the period 4,220.43 2,698.59 2,698.59 Cash and cash eauivalents at the end of the oeriod 3 162.75 2 500.48 4 220.43 .. *Includes prov1s1on for standard restructured accounts
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DCB BANK DCB BANK LIMITED SEGMENTAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2026 (' in crore) Sr. Business Segment Quarter Ended Half Year Ended Year Ended No. 30.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 31.03.2026 (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Audited) 1 Segment Revenue a Treasury Operations 561.56 490.21 492.17 1,051.77 1,075.68 2,025.18 b Corporate I Wholesale Banking 151.72 149.65 133.07 301.37 259.42 541.33 C Retail Banking 1,927.55 1,844.29 1,638.22 3,771.84 3,251.04 6,758.11 d Other Banking Operations 57.19 52.22 52.45 109.41 91.36 206.37 e Unallocable 0.09 - 0.03 0.09 0.07 4.47 Total 2,698.11 2,536.37 2,315.94 5,234.48 4,677.57 9,535.46 Less:- Inter Segment Revenue 398.36 355.73 307.10 754.09 619.04 1,275.86 Income from Operations 2,299.75 2,180.64 2,008.84 4,480.39 4,058.53 8,259.60 2 Segment Results a Treasury Operations 36.77 12.20 43.40 48.97 163.87 222.77 b Corporate / Wholesale Banking 42.58 43.34 6.74 85.92 12.25 67.77 C Retail Banking 192.02 191.14 149.80 383.16 207.20 514.44 d Other Banking Operations 55.38 49.54 50.80 104.92 87.55 198.72 e Unallocable (8 70) (9 25) (7 35) (17 95) (15 73) (26 73) Total Profit before Tax 318.05 286.97 243.39 605.02 455.14 976.97 3 Segment Assets a Treasury Operations 25,738.10 26,350.03 23,952.07 25,738.10 23,952.07 25,625.18 b Corporate/ Wholesale Banking 7,030.30 6,355.38 5,002.23 7,030.30 5,002.23 6,300.13 C Retail Banking 59,319.04 55,478.71 49,365.62 59,319.04 49,365.62 55,597.12 d Other Banking Operations - - - - e Unallocable 560.14 567.94 570.46 560.14 570.46 547.04 Total Segment Assets 92,647.58 88,752.06 78,890.38 92,647.58 78,890.38 88,069.47 4 Segment Liabilities a Treasury Operations 19,202.16 18,951.39 15,344.11 19,202.16 15,344.11 20,129.99 b Corporate/ Wholesale Banking 6,126.73 6,221.22 5,756.43 6,126.73 5,756.43 5,850.47 C Retail Banking 60,374.67 56,805.61 51,815.02 60,374.67 51,815.02 55,550.34 d Other Banking Operations 3.36 2.51 2.08 3.36 2.08 3.68 e Unallocable - - - - - Total Segment Liabilites 85,706.92 81,980.73 72,917.64 85,706.92 72,917.64 81,534.48 5 Capital Employed (Segment Assets - Segment Liabilities) a Treasury Operations 6,535.94 7,398.64 8,607.96 6,535.94 8,607.96 5,495.19 b Corporate I Wholesale Banking 903.57 134.16 (754.20) 903.57 (754.20) 449.66 C Retail Banking (1,055.63) (1,326.91) (2,449.40) (1,055 63) (2,449.40) 46.78 d Other Banking Operations (3.36) (2.50) (2.08) (3.36) (2.08) (3.68) e Unallocable 560.14 567.94 570.46 560.14 570.46 547.04 Total Caoital Emoloved 6 940.66 6 771.33 5 972.74 6 940.66 5 972.74 6 534.99 Treasury: Includes all financial markets activities undertaken on behalf of the Bank's customers, proprietary trading, maintenance of reserve requirements and resource mobilisation from other banks and financial institutions. Corporate/ Wholesale Banking: Includes lending, deposit taking and other services offered to corporate customers. Retail Banking: Includes lending, deposit taking and other services offered to retail customers. Other Banking Operations: Includes para banking activities like third party product distribution, merchant banking, etc.
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DCB BANK Notes: 1. The above financial results for the quarter and half year ended September 30, 2026 have been reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on October 23, 2026. An unmodified review report has been issued by the Joint Statutory Auditors (Deloitte Haskins & Sells and Varma and Varma) for the quarter and half year ended September 30, 2026. The review of the financial results for the quarter and half year ended September 30, 2025, and the audit for the year ended March 31, 2026 were undertaken by B S R & Co. LLP and Varma and Varma. 2. These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards prescribed under section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India ("the RBI"), from time to time ('RBI Guidelines') and other accounting principles generally accepted in India, and is in compliance with the presentation and disclosure requirements of the Regulation 33 and 52 read with regulation 63 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended including relevant circulars issued by the SEBI from time to time. 3. The Bank has applied its significant accounting policies in the preparation of these financial results consistent with those followed in the annual financial statements for the year ended March 31, 2026. Any circular/ direction issued by RBI is implemented prospectively when it becomes applicable, unless specifically required under those circulars/directions. 4. The financial results for the quarter and half year ended September 30, 2026 have been arrived at after considering the provision for standard assets including requirements for exposures to entities with Unhedged Foreign Currency Exposure, Non-Performing Assets ("NPAs"), provision on investments, income tax and other necessary provisions. 5. "Other Income" includes income from non-fund based activities such as brokerage and commission, fees, earnings in foreign exchange transactions, profit / loss on sale of investments (net), profit / loss on revaluation of investment (net) and income from sale of Priority Sector Lending Certificates. 6. During the quarter ended and half year ended September 30, 2026, the Bank allotted 1, 11,985 shares and 2,87,635 shares respectively pursuant to the exercise of stock options. 7. As at September 30, 2026, the Bank holds Floating Provision on advances amounting tot 217.66 crore (March 31, 2026: � 202.79 crore and September 30, 2025: � 189.25 crore), besides provisions for Standard Assets and specific Non-Performing Assets. Further, as on September 30, 2026, the Bank holds floating provision on investments amounting tot 13.99 crore (March 31, 2026: t 12.71 crore and September 30, 2025: t 11.28 crore). 8. RBI guidelines on Basel Ill Capital Regulations require the Bank to make Pillar 3 disclosures including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio along with the publication of financial results. Accordingly, such disclosures have been placed on the Bank's website at the following link https://www.dcbbank.in/regulatory-disclosures/basel-111.These disclosures have not been subjected to audit or limited review by the Joint Statutory Auditors of the Bank. 9. Details of Co-Lending Arrangements as per Reserve Bank of India (Commercial Ba Distribution of Credit Risk) Directions, 2025 are given below
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DCB BANK Particulars September 30, 2026 1. Quantum of CLAs Number of CLA Partners (No.) Number of outstanding cases (No.) Amount of Gross outstandin � in crore 2. Weighted average rate of interest(%) 3. Fees income charged during the quarter(� in crore) Fees ex ense incurred durin the uarter � in crore 17 4,67,710 7,640.59 10.40% 0.15 5.93 4. Broad Sectors in which CLA was made Home Loan, Gold Loan, LAP, Educational Institution Loan, Business Loans- Secured/Unsecured, MSME Business Loan- Unsecured 5.Performance of loans under CLA (� in crore) Standard Loans Non- erformin Loans 6.Details related to default loss guarantee, if any 7,592.98 47.61 NA 10. Disclosure related to Project Finance for the quarter ended September 30,2026, as per the Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025 dated November 28, 2025, is given below; Sr Item Description No 1 Projects under implementation accounts at the beginning of the uarter 2 Projects under implementation accounts sanctioned during the uarter 3 Projects under implementation accounts where DCCO has been achieved durin the uarter 4 Projects under implementation accounts at the end of the uarter. 1 +2-3 5 Out of '4' - accounts in respect of which resolution process involving extension in original/ extended DCCO, as the case may be, has been invoked 5.1 Out of '5' - accounts in respect of which Resolution plan has been im lemented. 5.2 Out of '5' - accounts in respect of which Resolution plan is under im lementation. 5.3 Out of '5' - accounts in respect of which Resolution plan has failed. 6 7 7.1 7.2 8 8.1 Out of '5', accounts in respect of which resolution process involving extension in original/ extended DCCO, as the case may be, has been invoked due to chan e in sea e and size of the ro·ect. Out of '5', account in respect of which cost overrun associated with extension in original/ extended DCCO, as the case may be, was funded Out of '7', accounts where SBCF was sanctioned during financial closure and renewed continuous! Out of '7', accounts where SBCF was not pre sanctioned or renewed continuous! Out of '4' - accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has been invoked. Out of '8' - accounts in respect of which Resolution plan has been im lemented. Out of '8' - accounts in respect of which Resolution plan is under � lementation. ,ut of '8' accounts in resp n has failed. ution Number of Total accounts 268 23 262,3 265 5 4 1 2 2 outstanding � in crore 1,796.06 150.131 1.89 1,841.824 27.78 20.23 7.55
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DCB BANK 1. Includes projects amounting tot 23.56 crore that were sanctioned in 01 2027 but disbursed in 02 2027 2.lncludes 25 projects which were either closed or cancelled. 3.Considered based on date of receipt of the documents by the Bank. 4. Includes net change of � 102.48 crore during Q2 2027 in projects under implementation accounts existing at the beginning of July 01, 2026 and additional disbursements made towards the existing projects. 11. Details of resolution plan implemented under the Resolution Framework for Covid-19-related Stress as per RBI circular dated August 6, 2020 (Resolution Framework 1.0) and May 05, 2021 (Resolution Framework 2.0) as at September 30, 2026 are given below: (,t; in crore) Type of borrower Exposure to Of (A), Of (A) Of (A) Exposure to accounts aggregate amount amount paid accounts classified classified as debt that written off by the I as Standard Standard slipped into during the borrowers consequent to consequent to NPA during half-year during the implementation of implementation the half-year half-year resolution plan - of resolution plan Position as at the - Position as at end of this the end of the half-year2 previous half- year (A) Personal Loans 284.31 2.76 - 16.90 264.72 Corporate oersons 14.41 - - 2.72 14.17 Of which MSMEs - - - - - Others 85.32 2.50 - 9.30 73.53 Total 384.04 5.26 - 28.92 352.42 1• Represents fund based outstanding as of March 31, 2026 2• Represents fund based outstanding as of September 30, 2026 12. Details of loans transferred / acquired during the quarter ended September 30, 2026 as per Reserve Bank of India (Commercial Banks- Financial Statements Presentation and Disclosure) Direction, 2025 dated November 28, 2025 are given below: 'n/ (i) Details of Non-performing accounts transferred. Particulars Number of accounts* Aggregate principal outstanding of loans transferred Weighted average residual tenor of the loans transferred (in years) Net Book value of loans transferred** (at the time of transfer) (� in crore except number of accounts) To Asset To Permitted To Other Reconstruction Transferees Transferees Companies (ARCs) 1,074 1.63 0.03
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Additional consideration realized respect of accounts transferred earlier years * represents number of borrowers ** net of provision DCB BANK in in - - - (ii) The Bank has not transferred any Special Mention Account (SMA) and loan not in default. (iii) Details of loans not in default acquired through assignment are given below: 2,822.44 1.71 0.69 10% 100% 1. Includes loans amounting tot 642.95 crore which are acquired through assignments as unsecured business loans and personal loans. 2. Tangible security of secured loans acquired during the year is more than 100%. However, the same is restricted to 100% coverage for the purpose of this disclosure. 3. The loans acquired are not rated as these are to non-corporate borrowers. (iv) The Bank has not acquired any stressed loan. 13. a) Net worth is calculated as per the Master Circular - Exposure Norms issued by the RBI. b) Debt represents Borrowings with Residual Maturity of more than one year. c) Total Debt represents Total Borrowings of the Bank. 14. The RBI (Commercial Banks-Branch Authorization) directions dated November 28, 2025 on establishment of Digital Banking Units (DBUs) has prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. The Bank does not have any DBUs, hence no Digital Banking Segment disclosures have been made. 15. The Bank does not have any subsidiary/associates/joint venture company(ies) as on September 30, 2026 and hence preparation of consolidated financial results is not applicable. 16. Previous period's figures/ratios have been regrouped/reclassified, wherever necessary to conform to current period's classification. Place: Mumbai Date : October 23, 2026 For and on behalf of the Board of Directors ;o 0,9ATE Praveen Kutty Managing Director & CEO