#1DCB BANK Investor Presentation - Q4FY 2021 May 08, 2021 DCB Bank Limited#2Disclaimer DCB BANK This presentation is strictly confidential and may not be copied, published, distributed, redistributed, disseminated or transmitted, directly or indirectly, in any manner. The information in this presentation is being provided by DCB Bank Limited (the "Bank”). This presentation has been prepared for information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person, and is not an offer or invitation, directly or indirectly, to buy or sell any securities of the Bank by any person in any jurisdiction, including India and the United States, nor shall a part, or all, of this presentation form the basis of or be relied on in connection with any contract or investment decision or commitment to purchase or subscribe in relation to any securities. No information contained herein has been independently verified by anyone else. This presentation is not an offer document or a prospectus under the Companies Act, 2013, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended and any other applicable law. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. This presentation is not a complete description of the Bank. This presentation may contain forward-looking statements based on the currently held beliefs and assumptions of the management of the Bank, which are expressed in good faith and, in their opinion, reasonable. Forward-looking statements involve known and unknown risks, uncertainties, assumptions and other factors, which may cause the actual results, financial condition, performance, or achievements of the Bank or industry results to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, intense competition in our business including those factors which may affect our cost advantage, our ability to attract and retain highly skilled professionals, changes in technology, availability of financing, our ability to successfully complete and integrate our business plans, liabilities, political instability and general economic conditions affecting our industry. Given these risks, uncertainties, assumptions and other factors, recipients of this document are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. This presentation is not an offer of securities for sale in the United States or in any other jurisdiction. Securities may not be offered or sold in the United States absent registration or an exemption from registration. No shares or other securities may be offered or sold other than in compliance with the laws of relevant jurisdictions, including the United States Securities Act of 1933, as amended. By viewing this presentation you acknowledge that you will be solely responsible for your own assessment of the market and the market position of the Bank and the potential future performance of the business of the Bank. Except as otherwise stated, all of the information contained herein is preliminary and indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. Industry and market-related information is obtained or derived from industry publications and has not been verified by us. The information contained in this presentation, except as otherwise stated, is only current as of the date of the presentation, is subject to change without notice and there can be no assurance that future results or events will be consistent with any such information. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without any obligation to notify any person of such revision or changes. The accuracy of this presentation is not guaranteed. It may be incomplete or condensed and it may not contain all material information concerning the Bank. Persons relying on the information in this presentation or any other communication by the Bank should do so at their own risk and the Bank or any of its officers and directors shall not be responsible for any kind of consequences or liability to any person arising out of, any act or omission based on or relying and acting upon any such information. Figures for the previous period / year have been regrouped wherever necessary to conform with the current period's / year's presentation. Financial numbers are from Audited Financials or Limited Reviewed Financials or based on Management estimates. Financial numbers are rounded off to nearest whole number DCB Bank Limited CIN: L99999MH1995PLC089008 2#3Branch Network March 31, 2021 DCB BANK At a Glance Branches 352 ATMs 410 Network* 35,000+ Category No. of Branches % Metro 103 29 Urban 89 25 Semi Urban 92 26 Rural 68 19 Total 352 100 *DCB Bank customers are able to access VISA ATMs across the world DCB Bank is a modern emerging new generation private sector bank with 352 branches across 19 States and 3 Union Territories. It is professionally managed and governed. DCB Bank has comprehensive range of products and services, contemporary technology and infrastructure including state of the art internet and mobile banking. It is a Scheduled Commercial Bank regulated by the Reserve Bank of India. DCB Bank Limited 3#4Key Indicators - I | DCB BANK INR mn No. of Branches Balance Sheet Cost to Income Ratio Return on Asset Return on Equity Q4 FY 2021 352 396,021 53.90% 0.80% *8.96% Q3 FY 2021 347 378,588 43.32% 1.01% *11.22% Q2 FY 2021 344 375,569 47.28% 0.86% *9.88% Q1 FY 2021 341 381,556 50.26% 0.82% *9.86% FY 2021 352 396,021 48.51% 0.87% *9.99% FY 2020 336 385,051 54.53% 0.90% *11.19% FY 2019 333 357,918 56.88% 0.99% *12.08% FY 2018 318 302,221 59.79% 0.94% *10.31% FY 2017 262 240,464 60.02% 0.93% 10.30% FY 2016 198 191,185 58.45% 1.14% 11.59% FY 2015 154 161,323 *Excluding Revaluation Reserves in computation of Equity DCB Bank Limited 58.83% 1.37% 14.16% 4#5Key Indicators - II DCB BANK INR mn Q4 FY 21 Q3 FY 21 Q4 FY 20 Y-o-Y Deposits 297,039 288,581 303,699 (2%) Of which CASA 67,865 66,576 65,192 4% Of which Certificate of Deposits 0 0 6,081 (100%) Of which Term Deposit 229,174 222,005 232,426 (1%) - Of which NRI Term 23,838 24,213 26,133 (9%) - Of which Inter Bank Term 25,580 26,884 38,034 (33%) Net Advances 259,592 253,001 253,453 2% INR mn Q4 FY 21 Q3 FY 21 Q4 FY 20 Y-o-Y Net Interest Income 3,112 3,348 3,237 (4%) Non Interest Income 1,339 1,545 1,099 22% Total Cost (2,399) (2,120) (2,215) (8%) Operating Profit 2,052 2,773 2,121 (3%) Profit Before Tax 1,040 1,296 938 11% Profit After Tax 779 962 688 13% 5 DCB Bank Limited#6Balance Sheet DCB BANK Mar 31, Mar 31, Mar 31, Mar 31, INR mn 2015 2016 2017 2018 Mar 31, 2019 Mar 31, Mar 31, 2020 2021 Shareholder's Equity 15,886 17,922 22,049 28,078 31,156 34,222 37,586 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 297,039 Borrowings 11,638 11,479 12,758 19,267 27,232 34,079 44,822 Other Liabilities & 7,708 12,524 12,765 14,807 15,179 13,051 16,574 Provisions Total 161,323 191,185 240,464 302,221 357,918 385,051 396,021 Cash, Inter-bank, etc. 7,192 8,916 11,925 23,720 27,934 35,459 30,393 Investments 39,622 43,333 58,179 62,190 78,441 77,415 84,137 Net Advances 104,651 129,214 158,176 203,367 235,680 253,453 259,592 Fixed Assets 2,367 2,480 4,886 4,940 5,260 5,458 5,685 Other Assets 7,492 7,242 7,298 8,004 10,603 13,266 16,214 Total 161,323 191,185 240,464 302,221 357,918 385,051 396,021 Credit Deposit Ratio 83.00% 86.57% 82.00% 84.71% 82.88% 83.46% 87.39% DCB Bank Limited 6#7Profit & Loss DCB BANK INR mn Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Net Interest Income 3,237 3,067 3,339 3,348 3,112 Other Income 1,099 776 925 1,545 1,339 - Commission, exchange 664 269 435 550 702 and brokerage - Profit on Sale of 174 380 293 741 13 Investment - Profit on Exchange 52 35 66 51 74 Transaction Operating Income 4,336 3,843 4,264 4,893 4,451 Operating Expenses (2,215) (1,932) (2,016) (2,120) (2,399) Operating Profit 2,121 1,911 2,248 2,773 2,052 Provisions other than (1,183) (836) (1,131) (1,477) (1,012) Tax Profit Before Tax 938 1,075 1,117 1,296 1,040 Tax (250) (281) (294) (334) (261) Profit After Tax 688 794 823 962 779 Cost Income Ratio 51.09% 50.26% 47.28% 43.32% 53.90% DCB Bank Limited 7#8Profit & Loss DCB BANK INR mn FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 0 F FY 2021 Net Interest Income 5,082 6,195 7,971 9,954 11,493 12,649 12,866 Other Income 1,657 2,205 2,488 3,103 3,502 3,911 4,585 - Commission, exchange and 1.193 1,405 1.651 2,176 2,399 2,412 1,956 brokerage - · Profit on Sale of 277 423 454 454 386 653 1,428 Investment 76 145 104 139 216 192 227 - Profit on Exchange Transaction Operating Income 6,739 8,400 10,459 13,057 14,995 16,560 17,451 Operating Expenses (3,965) (4,910) (6,277) (7,807) (8,529) (9,029) (8,466) Operating Profit 2,774 3,490 4,182 5,250 6,466 7,531 8,985 Provisions other than (694) (879) (1,115) (1,388) (1,401) (2,612) (4,457) Tax Profit Before Tax 2,080 2,611 3,067 3,862 5,065 4,919 4,528 Tax (168) (666) (1,070) (1,409) (1,811) (1,540) (1,170) Profit After Tax 1,912 1,945 1,997 2,453 3,254 3,379 3,358 Cost Income Ratio 58.83% 58.45% 60.02% 59.79% 56.88% 54.53% 48.51% DCB Bank Limited#9Deposits Mix Residential Term Deposit 60% Deposits as on March 31, 2021 DCB BANK *CASA 23% Interbank Term Deposit 9% Non-Resident Term Deposit 8% * CASA includes NRI CASA DCB Bank Limited 6#10Advances Mix Mortgages, 42% Others, 4% Commercial Vehicle, 5% Net Advances as on March 31, 2021 DCB BANK SME MSME, 10% Corporate Banking, 11% AIB, 22% Gold Loan, 6% AIB Net Advances as on March 31, 2021 Mortgages, 6% Kissan Credit Card, 4% Gold Loan, 2% SME/MSME 2% Others, 2% MFI+BC, 3% Tractors, 3% DCB Bank Limited 10 10#11NIM, Yield and Cost of Funds DCB BANK Year Ended FY 2014-15 FY 2015-16 FY 2016-17 FY FY 2017-18 2018-19 FY 2019-20 FY 2020-21 Q4 FY 2020-21 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.59% 3.46% Margin (NIM) Yield on Advances 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.06% 10.65% Cost of Deposits 7.67% 7.48% 6.91% 6.37% 6.61% 6.96% 6.49% 6.38% Cost of Funds 7.78% 7.54% 7.00% 6.51% 6.75% 7.10% 6.62% 6.48% DCB Bank Limited 11 11#12Non Performing Assets DCB BANK Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2015 2016 2017 2018 2019 2020 2021 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.46% 4.09% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 1.16% 2.29% Provision 74.66% 77.55% 73.80% 75.72% 78.77% 70.81% 62.35% Coverage INR mn Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2015 2016 2017 2018 2019 2020 2021 Mortgages 362 464 717 1,392 1,627 2,283 4,106 SME+MSME 273 245 324 307 425 733 1,184 Corporate 919 861 859 840 619 515 496 AIB 187 288 366 632 984 1,212 2,348 Gold Loans 28 22 22 107 84 69 552 CV/STVL 88 92 200 299 480 1,163 1,669 Others 4 2 54 113 176 340 479 Gross NPA 1,861 1,974 2,542 3,690 4,395 6,315 10,834 Net NPA 1,057 975 1,244 1,467 1,538 2,935 5,942 INR mn Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2015 2016 2017 2018 2019 2020 2021 FV of SRs from ARC 160 307 701 629 380 485* 388* * Netted off INR 89 mn as unrecognised gain from sale of NPAs to ARC DCB Bank Limited 12#13Gross NPA Movement IN R mn DCB BANK FY 2020-21 Q4 2020-21 Q3 2020-21 Q2 2020-21 Q1 2020-21 FY 2019-20 Opening Balance 6,315 5,023 5,737 6,218 6,315 4,395 (+) Add Fresh Slippages 6,785 6,642 Addition to Existing 77 31 LO NPAs 90 52 6,577 5 8 32 63 (-) Less Recoveries 748 227 207 215 98 1,725' Upgrades 332 116 118 80 18 1,792 Write Offs Sacrifice 1,263 519 394 284 65 1,2032 Closing Balance 10,834 10,834 5,023 5,737 6,218 6,315 1: Includes INR 385 mn on sale of NPAs to an Asset Reconstruction Company 2: Includes INR 233 mn on sale of NPAs to an Asset Reconstruction Company DCB Bank Limited 13#14Treasury DCB BANK INR mn Mar 31, 2015 Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2016 2017 2018 2019 2020 2021 SLR 34,750 39,855 47,711 49,091 60,007 61,363 67,370 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 16,767 Total Investments 39,622 43,333 58,179 62,190 78,441 77,415 84,137 HTM 27,567 30,580 40,286 42,963 57,071 61,363 66,885 AFS 9,484 10,782 17,840 19,217 21,370 16,052 16,743 HFT 2,571 1,971 53 10 0 0 509 Total 39,622 43,333 58,179 62,190 78,441 77,415 84,137 Investments* Modified Duration AFS+HFT Mar 31, 2015 Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2016 2017 2018 2019 2020 2021 1.32 1.22 0.93 0.82 0.60 1.04 1.09 *Total Investment: Represents Net investments (HTM - Held To Maturity, AFS - Available For Sale, HFT - Held For Trading) DCB Bank Limited 14 14#15Capital Adequacy Ratios - Basel III DCB BANK Mar 31, 2015 Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2016 2017 2018 2019 2020 2021 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 19.67% - Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 15.49% - Tier II 0.74% 1.32% 1.89% 3.75% 3.71% 3.85% 4.18% RWA* 105,973 134,299 172,832 207,554 221,747 233,936 231,839 (INR mn) *RWA- Risk Weighted Assets 15 DCB Bank Limited#16Ratings DCB BANK Sep 30, Dec 31, 2013 Mar 31, Mar 30, Mar 30, Mar 31, Mar 31, 2014 2016 2017 2018 2019 2021 CRISIL Long Term - A+/ AA-/ AA-/ Subordinated Stable Stable Stable Debt Certificates of A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposit Short Term - Fixed A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposits ICRA Long Term - Subordinated Debt Short-Term Fixed Deposits A+(hyb) A+(hyb) A+(hyb) A+(hyb) A+(hyb) (stable) (stable) (stable) (stable) (stable) A1+ A1+ A1+ A1+ A1+ A1+ DCB Bank Limited 16#17DCB BANK Overview DCB Bank Limited 17 15#18Products and Services Retail Banking Deposit Products: ■ Corporate Salary Current and Savings Lockers NRI Deposits POS Terminals Term Deposits Cards: ☐ ATM Card ☐ Debit Card Gift Card Secured Card Payments: ☐ ☐ Bill Utility Payments IMPS, RTGS, NEFT, UPI Remittances ☐ Tax Payments Visa Money Transfer Loans: Auto Loan Commercial Vehicle Construction Equipment* Construction Finance Dealer Trade Advance Home Loan Kisan Credit Card Loan Against Gold Loan Against Property Tractor Loan Retail Microfinance Term Loan to MFI TREDS Third Party Products: Life Insurance, General Insurance, Health Insurance Mutual Funds DCB BANK SME, Corporate Banking, NBFCs, Co-operative Banks ☐ Bills Collection Current Account ■ Foreign Exchange Guarantees Import/Export Letters of Credit Portfolio Buyout ■ Term Loans ■ Trade Current Account Working Capital Cash Management** Internet Banking Invoice Discounting RTGS, NEFT, IMPS ☐ Supply Chain Treasury, NBFCs, Co-operative Banks CDs Corporate Bonds Equity Investment ☐ Foreign Exchange ☐ Liquidity Management Statutory Reserves Management Trading in Government Securities Services Phone Banking Privilege Banking Any Branch Banking Internet Banking ☐ Foreign Exchange Mobile Banking *Offered to existing customers. ** DCB Bank has a tie up with Axis Bank to provide customers with Cash Management facility at over 1,000 locations across India. DCB Bank Limited 18#19Investor Profile as on Mar 31, 2021 DCB BANK Shareholding Pattern Key Non Promoter Shareholders % *** Institutions 53.58% Bodies Corporate HDFC Small Cap Fund 4.43% 5.31% ICICI Prudential Mutual Fund* 4.38% India Advantage Fund S4 | 4.02% DSP Small Cap Fund 3.42% ITPL - Invesco India Mutual Fund* 3.30% Franklin India Smaller Companies Fund 3.20% Aditya Birla Sunlife Mutual Fund* 3.19% Individuals, 23.62% Oman India Joint Investment Fund II 2.96% * AKFED & PJI 14.88% Steinberg India Emerging Opportunities Fund Ltd. 2.58% Govt. IEPF A/C MCA 0.23% ** Others (Non Institutional) 2.38% TVS Shriram Growth Fund 3 2.18% Matthews India Fund 1.56% *AKFED: Aga Khan Fund for Economic Development & PJI: Platinum Jubilee Investment Ltd. Aditya Birla Sunlife Insurance Company Limited L&T Emerging Business Fund 1.25% 1.12% **Includes Clearing Members (0.48%), Non Resident Indians (1.21%), Trusts (0.01%) & Directors & their relatives (0.68%) ***Institutions includes 13.04% held by FII & FPI Bajaj Allianz Life Insurance Company Limited Nippon India Mutual Fund* 1.10% 1.07% * Held under various schemes/funds/ entities. Aga Khan Fund for Economic Development ☐ DCB Bank is promoted by the Aga Khan Fund for Economic Development (AKFED) http://www.akdn.org/akfed AKFED is an international development enterprise. It is 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. The Fund is active in the developing countries DCB Bank Limited 19#20Board of Directors DCB BANK I I I Ashok Barat Amyn Jassani I I Iqbal Khan Rafiq Somani A Fellow of the Institute of Chartered Accountants of India and of the Institute of Company Secretaries of India, Associate of the Institute of Chartered Accountants of England & Wales and CPA, Australia. Mr. Barat held responsible and senior leadership positions in various Indian and multinational organizations, both in India and overseas. He is on the Board of several other companies and advises businesses on governance, performance and strategy. A Fellow of the Institute of Chartered Accountants with more than 25 years of experience, mainly with the big four accounting firms. He is also a member of the Institute of Company Secretaries of India and has passed the Certified Information System Auditor's (CISA) examination. Partner at Shardul Amarchand Mangaldas & Co. and member of the Private Equity and Mergers and Acquisitions practice group. He completed his J.D. from Columbia Law School, & LL.B. from London School of Economics and Political Science. A Master in Marketing Management with 30 years of experience in the field of Information Technology. He is currently working as the Area Vice President at ANSYS Inc. Nasser Munjee Non-Executive Chairman He sits on major Corporate Boards in India and abroad. Holds a Masters degree from the London School of Economics, United Kingdom. I I I Murali M Natrajan Managing Director & CEO Rupa Devi Singh I Shabbir Merchant A Fellow of the Institute of Chartered Accountant, he is the Managing Director & Chief Executive Officer of the Bank since April, 2009 and has 38 years global experience in financial services in Standard Chartered Bank, Citibank and American Express. A graduate in Science, Post-Graduate in Law from the University of Delhi & holds CAIIB. She has over 35 years of experience in areas of Commercial Banking, Project Structuring, Infrastructure, etc. She was the founder Managing Director & CEO of Power Exchange India Ltd (PXIL). A Masters in Personal Management with more than 30 years of experience. He is the founder of Valulead Consulting, a boutique consulting firm. Private & Confidential Shaffiq Dharamshi I | I An M.Sc. Graduate in Economics with specialization in Risk Management. He is currently working with Aga Khan Fund for Economic Development (AKFED) as Head of Banking. Somasundaram PR A Fellow of the Institute of Chartered Accountants of India with over 30 years' experience across Unilever Group companies in India and abroad, Standard Chartered Bank and others. Currently he is the Managing Director of World Gold Council in India. DCB Bank Limited 20 20#21Management Team DCB BANK Abhijit Bose *31 yrs work exp. Chief Credit Officer Aditya Prasad - 36 yrs work exp. Chief Compliance Officer Ajay Mathur - 29 yrs work exp. Head Collections & Commercial Vehicles = Ajit Kumar Singh - 29 yrs work exp. Head-Treasury & FIG Business Bharat Sampat - *35 yrs work exp. Chief Financial Officer J. K Vishwanath - 28 yrs work exp. Head Corporate & SME Banking Manoj Joshi - 27 yrs work exp. Deputy Chief Compliance Officer and Chief Internal Vigilance Murali Rao - 21 yrs work exp. Chief Technology Officer Pankaj Sood - 25 yrs work exp. Head Retail Branch Banking T P Anuradha - 22 yrs work exp. Chief Internal Auditor Damodar Agarwal - 26 yrs work exp. Head Strategic Initiatives & Alternate Channels Kamala Kant Pandey - 27 yrs work exp. Head Channel Sales & Emerging Markets| - Murali M. Natrajan - *38 yrs work exp. Managing Director & CEO - Bappa Roy 30 yrs work exp. Product Head - Banking, Insurance & Investments Gaurav Mehta 27 yrs work exp. Head Marketing, PR, Corporate Communication, Investor Relations, CSR Krishna Ramasankaran exp. - 26 yrs work Head Credit - Retail & SME - Meghana Rao 21 yrs work exp. Head Branch Operations Narendranath Mishra - 22 yrs work exp. Head Agri & Inclusive Banking Praveen Kutty - *31 yrs work exp. Head Retail Banking NC Kaushal - 30 yrs work exp. Head Digital Banking - R. Venkattesh - 31 yrs work exp. Head Operations, Technology and Human Resource Ravi Kumar - 26 yrs work exp. Head Operations and Key Projects Sridhar Seshadri - 38 yrs work exp. Chief Risk Officer Rubi Chaturvedi - 15 yrs work exp. Company Secretary Sukesh Bhowal - 26 yrs work exp. Head Mortgages, Gold Loan & Personal Loan - *Worked in India & Abroad. DCB Bank Limited 21 24#22DCB BANK Rewards & Recognition DCB Bank Limited 22 222#23DCB BANK Finnoviti Awards 2021 "ATM Chain” - DCB Bank's 1st " Blockchain based project has been awarded at 9th edition of Finnoviti Awards 2021 Infosys Client Innovation Awards Runners-up in the Ecosystem Innovation category of Infosys's Client Innovation Awards. The Bank has been recognized for Innovation Program "DCB Bank Innovation Carnival" ASSOCHAM National E-Summit & Awards-21: 1. Winner under the Digital Deposits 2. Runner-up under the Digital Services for Internet Banking, Mobile Banking, E-KYC & Video KYC Services, API Banking, Digital Payments & IMPS, UPI, NEFT, RTGS DCB Bank Limited 23 23#24Digital Update DCB Bank Limited DCB BANK 24#25Core Banking System Upgrade DCB BANK DCB Bank Core Banking Solution has been upgraded, which will help the Bank in accelerating digital agenda and providing enhanced products and services. 25 DCB Bank Limited#26Digital Journey... DCB Bank's UPI limit increased to 5 Lakh per day Bigger daily transfer limit for bigger transactions Now transfer up to *5 lakh per day -through your- DCB Mobile Banking App Reduce the transfer limit with 3 easy steps: Go to DCB Personal Internet Banking Click on Transfer Select 'Personalize Limits' Modify your Mobile Banking fund transfer limit DCB BANK Scan & download app DCB BANK#27Digital Journey... DCB BANK DCB BANK E-NACH Registration Net Banking Debit Card Digital Initiative E-NACH registration through digital modes API based E-mandate registration will eliminate the need for physical mandate which will result in reduced TAT of registration, cost and will serve the customer more efficiently. Once the customer selects DCB Bank as the payment Bank, they can electronically initiate mandate through web wherein they authenticate the credentials digitally & seamlessly register their E-mandate. Customer can digitally authenticate the mandate using Net banking or Debit card. DCB Bank introduced E-NACH Registration through digital modes.#28Digital Payment PIN Request כ DCB BANK Digital Initiative - Temporary PIN Request For Mobile Banking App Customers who did not have DCB Internet Banking facility and DCB Debit Card were not able to register for the DCB Mobile Banking App. Thus a solution of Temporary MPIN was created wherein the customer could generate an MPIN using their registered mobile number with the bank. Using the Temporary MPIN, customer can do seamless. registration on DCB Mobile Banking App. Temporary PIN request through DCB Bank - Mobile Banking App DCB Bank Limited 28#29DCB BANK Thank you To receive investor updates from DCB Bank Ltd., write in at [email protected]. Do let us know of any change in your contact details on the same email ID. Corp. & Reg. 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.dcbbank.com DCB Bank Limited 29