DCB BANK Q2 CONCALL : MAINTAINS 18–20% LOAN GROWTH GUIDANCE, TARGETS 3.5–3.6% NIM & EXPECTS ROE ABOVE 13.5%

• MANAGEMENT MAINTAINS FY27 ADVANCES GROWTH GUIDANCE AT 18–20% VS 21% YOY GROWTH IN Q2 • NIM TARGET MAINTAINED AT 3.5–3.6% VS APPROXIMATELY 3.3% IN Q2 • MANAGEMENT EXPECTS NIM IMPROVEMENT IN Q3 FY27, WITH FURTHER RECOVERY IN Q4 • HIGHER REPO RATE TRANSMISSION, LOWER EXCESS LIQUIDITY & DEPOSIT REPRICING EXPECTED TO SUPPORT NIM RECOVERY • FY27 ROE EXPECTED ABOVE 13.5% VS 14.6% ACHIEVED IN Q2 • ROA IMPROVED TO 1.03%, WITH MANAGEMENT EXPECTING FURTHER PROFITABILITY IMPROVEMENT • FY27 COST-TO-AVERAGE-ASSETS TARGET MAINTAINED BELOW 2.5% VS 2.47% IN Q2 • MANAGEMENT TARGETS GROSS NPA BELOW 2.5% & NET NPA BELOW 1% VS CURRENT 2.29% & 0.73% • GOLD LOAN EXPOSURE COULD INCREASE TO 25% OF TOTAL ADVANCES FROM CURRENT APPROXIMATELY 23% • MORTGAGE LOAN GROWTH EXPECTED TO ACCELERATE OVER NEXT TWO QUARTERS, SUPPORTED BY HIGHER LAP DISBURSEMENTS • CORPORATE LOAN CONTRIBUTION COULD INCREASE TO APPROXIMATELY 10% OF ADVANCES FROM BELOW 8% • CAPITAL RAISING NEGOTIATIONS IN ADVANCED STAGES, WITH MANAGEMENT EXPECTING FIRM COMMITMENT BEFORE NEXT INVESTOR CALL • MANAGEMENT RULES OUT FRESH EQUITY ISSUANCE BELOW BOOK VALUE, WITH FINAL VALUATION & CAPITAL AMOUNT YET TO BE DECIDED • BANK PLANS APPROXIMATELY 20 NEW BRANCHES IN FY27, WITH EMPLOYEE STRENGTH EXPECTED AT 12,800–12,900 BY MARCH 2027 • ECL MODEL EXPECTED TO BE READY BY MARCH 2027, WHILE GOLD PRICE CORRECTION, BANCASSURANCE REGULATIONS & POTENTIAL EQUITY DILUTION REMAIN KEY RISKS

DCB BANK LIMITED

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