Investor Presentaiton

Strong Provision Coverage Key Ratios DCB BANK 8.69% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 91.17% 87.64% 82.50% 85.55% 87.89% 87.38% 88.50% 89.25% 88.04% 70.04% 5.85% 5.90% 5.75% 5.67% 3.11% 1.19% 0.96% 0.97% 1.03% 4.40% 4.18% 3.86% 3.80% 0.57% 0.75% 0.68% 0.73% Mar 31, 2010 Mar 31, 2011 Jun 30, 2011 Sep 30, 2011 Dec 31, 2011 Mar 31, 2012 Jun 30, 2012 Sep 30, 2012 Dec 31, 2012 Coverage Ratio - Bank Coverage Ratio - PL Gross NPA% Net NPA% INR mn Mar 31, 2010 Mar 31, 2011 Dec 31, 2011 Mar 31, Jun 30, 2012 2012 Sep 30, 2012 Dec 31, 2012 Personal Loans 1,694 1,293 1,222 1,196 968 945 926 CVICE/STVL* 599 452 350 322 297 278 261 Corporate 594 588 686 627 624 499 506 Others 305 303 306 273 473 538 646 Gross NPA 3,192 2,636 2,564 2,418 2,362 2,260 2,339 Net NPA** 1,076 412 443 302 409 384 435 * CV / CE / STVL represents Commercial Vehicle, Construction Equipment and Small Ticket Vehicle Loan Net NPA = Gross NPA - (Balance in Interest Suspense account + DICGC/ECGC claims received and held pending adjustment + Part payment received and kept in suspense account + total provisions held) ** Private & Confidential Development Credit Bank Limited 16

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