Investor Presentaiton

Outlook & Way Forward The Story so Far Capital Efficient Business Model- Potential to deliver healthy ROA/ROE over time DCB BANK Balance Sheet (Deposits + Advances) ■ Balance Sheet as at 31-Dec-23: INR 59,804 crores ■ Advances of INR 38,951 crores with a focused approach towards secured small ticket lending Margins ■ Diversified portfolio with focus on robust yields resulting in healthy/ steady NIMS ■NIM of 3.48% for Q3FY24 Asset Quality & Credit Costs Cost to Average Assets / Cost to Income Ratio Key Ratios ■ Gross NPA at 3.43% and Net NPA at 1.22% ■ Cost to Average Assets at 2.63% for Q3FY24 B Provision Coverage Ratio at 76.42% ■ Return on Assets at 0.86% for Q3FY24 ■ Cost to Income at 64.61% for Q3FY24 ■ Return on Equity at 11.30% for Q3FY24 Credit cost at 0.28% for Q3FY24 Headcount at 10,539 and branch network at 440 ■ 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 Business Model NIMS 365 bps to 375 bps ■ Improving CASA, diversified Advances portfolio, achieving Agri PSL and containing NPAs 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) Target Cost to Income Ratio of 55% or below in near term Target Cost to Average Assets of 2.40% to 2.50% Return on Assets (ROA) ■ Target 1% or above in near term Return on Equity (ROE) ■ Target closer to 14% in near term 11

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