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Investor Presentaiton

DCB Bank - Overview DCB Bank - at a glance DCB BANK • Development Credit Bank Ltd (DCB Bank) http://www.dcbbank.com is a modern emerging new generation private sector bank. Present since 1930s, DCB is the only co-operative bank in India to have been converted into a private sector commercial bank in 1995 • Distribution network of 89 branches across 28 cities and 296 ATMs Comprehensive product range & scalable infrastructure • Business model focused on achieving a balance between Micro SME, SME, Retail Mortgages, Commercial Vehicle, Gold Loans, mid-Corporate and Agri / Inclusive Banking Comprehensive range of banking products across all businesses Modern systems and infrastructure to support growth- Finacle, FinnOne, CMS, Internet and Mobile banking Traditional loyal customer base • Traditional sticky customer base helped by presence of branch network in key areas of Maharashtra, Gujarat and AP • Provides DCB Bank access to low cost deposits Focus on building low cost franchise Continued focus on building a low cost Deposits and strong capital position CASA of 28.87% and CRAR of 13.71% under Basel II Steady improvement in credit ratings • Crisil rating (Long term): BBB + / Positive, Crisil rating (Short term): A1 and Brickwork Ratings: BWR A- (Stable) Robust promoter background Pedigreed board and experienced management team Private & Confidential • DCB's promoter, Aga Khan Fund for Economic Development (AKFED) http://www.akdn.org/akfed is present in 16 countries employing over 30,000 people . Promoter group holds 18.48% stake in DCB • Nasser Munjee, Chairman: Ex- Executive Director - HDFC, instrumental in setting up IDFC & sits on the boards of many large Indian companies Murali M. Natrajan, MD & CEO: worked in Standard Chartered Bank (Global Head - SME Banking), Citibank, American Express; strong Retail Banking & SME experience in India & abroad For detailed 'Overview', please refer to pages 28 - 32 Development Credit Bank Limited 3
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