Pursuant to the Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the transcript of the ....

Ref. No.CO:CS:RC:2026-27:101 July 30, 2026 BSE Limited National Stock Exchange of India Limited Listing Department, Listing Department, P J Towers, Exchange Plaza, 5th floor, Plot No. C/1, 1st floor Dalal Street. G Block Bandra – Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 532772 NSE Symbol: DCBBANK Dear Sirs, Re: Transcript of the Earnings Conference Call held on July 24, 2026 Pursuant to the Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached the transcript of the Earnings Conference Call held on July 24, 2026 with respect to the Unaudited Financial Results of DCB Bank Limited (“the Bank”) for the quarter ended June 30, 2026. The same has also been uploaded on website of the Bank and can be accessed at the link given below: https://www.dcb.bank.in/api/dcb/assets/2026-07/DCB-Bank-Q1FY27-Earnings-Call-Transcript-July-24-2026.pdf This is for your information and record. Thanking you, Yours faithfully, For DCB Bank Limited Rubi Chaturvedi Company Secretary & Compliance Officer Encl: As stated above DCB Bank Limited Corporate & Registered 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.dcb.bank.in “DCB Bank Limited Q1 FY27 Earnings Conference Call” July 24, 2026 MANAGEMENT: MR. PRAVEEN KUTTY – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – DCB BANK LIMITED MR. SRIDHAR SESHADRI – WHOLE-TIME DIRECTOR – DCB BANK LIMITED MR. RAVI KUMAR – CHIEF FINANCIAL OFFICER – DCB BANK LIMITED MR. AJIT KUMAR SINGH – CHIEF INVESTOR RELATIONS OFFICER – DCB BANK LIMITED Page 1 of 20 DCB Bank Limited July 24, 2026 Moderator: Ladies and gentlemen, good day and welcome to the DCB Bank Limited Q1 FY27 Earnings Conference Call. As a reminder, all participant lines will remain in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal the operator by pressing star then zero on your touchtone telephone. Please note that this conference is being recorded. We have with us today, Mr. Praveen Kutty, Managing Director and CEO; Mr. Sridhar Seshadri, Whole Time Director; Mr. Ravi Kumar, Chief Financial Officer; Mr. Ajit Kumar Singh, Chief Investor Relations Officer. I will now hand the conference over to Mr. Praveen Kutty, Managing Director and CEO for opening remarks. Thank you and over to you, sir. Praveen Kutty: Thank you, Ryan. Good evening, ladies and gentlemen. I'm very happy to announce the quarter one financial results. This quarter was replete with geopolitical uncertainties, rising inflation, and supply chain disruptions. Our strategy in these times, as I had mentioned in my Q4 results call, was to stockpile customer liabilities, work on improving productivity, focus on portfolio quality, optimize capital utilization, and finally resulting in improving profitability. Let me take you through the key financial highlights. Our total deposits have grown by 20.06% Y-o-Y and total advances by 17.06% Y-o-Y. Our NIM at 3.35% has increased by 15 bps over the last year, primarily on the back of lower cost of deposit and improving recoveries. Our growth in core fee income from INR 134 crores in Q1 of last year to INR 175 crores in this quarter, 31% growth, has helped us offset a one-time treasury income impact of INR 85 crores between these two quarters. On the cost front, we have hit a historical low of 2.42% cost to average assets for the quarter. Remember, quarter one is when you have the salary increases, traditionally it's a higher cost quarter, and we knocked off 10 bps from the cost to average assets of Q1 of the last year from 2.52 to we have come down to 2.42. Even quarter-on-quarter, we have our cost to average assets has decreased from Q4 to Q1. And if you have to dig into where the reduction of cost is coming from, you'll see that our number of employees is currently at 11,554, which is lower than the 11,896 people we had two years back in June 2024. So, we have grown somewhere in 18.5% year-on-year for two continuous years and the number of absolute number of employees in the bank is actually lower. As a consequence of this, our business per employee is at an all-time high of INR 11.06 crores. And if you were to look at the portfolio quality, it has consistently improving. Last year I told you that we were at the seven-year low from a yearly basis. Our GNPA currently is at 2.43%, which is 55 bps better Y-o-Y and 2 bps better Q-o-Q. Net NPA on the other hand was at 0.84, 38 bps less than Y-o-Y and 5 bps less Q-o-Q. The credit cost for the quarter is 26 bps. Our provision coverage ratio is a shade under 80% and our recovery Page 2 of 20 DCB Bank Limited July 24, 2026 and upgrade as a percentage of fresh slippage is 92%. We continue to make optimal use of our capital. Our Tier 1 capital, including profit for the period, has increased to 14.9% from 14.26% of Q4. Finally, the bottom line is that our PAT for the quarter has grown 36% to INR213 crores, which is the highest ever quarterly profit in the history of our bank. In fact, in each of the last four quarters, in Q2 of last year that is the highest ever, followed by Q3 of last year which is the highest ever, followed the followed by Q4 of last year which is the highest ever, and so far Q1 is the highest ever. So we sign off the quarter with a highest ever quarterly EPS of 6.62 and a book value of 198.12. Last but not the least, our ROE for the quarter for the first quarter is 13.61%, which is a 2.05% improvement over Q1 of last year. What gives me some happiness is that the bank has shown the ability to give time-bound guidance and show the consistency to meet it within the time frame. The guidance on cost-to-average below 2.5%, GNPA below 2.5%, NNPA below 1%, ROE greater than 13.5% have been met in Q4 and repeated in Q1. As you can see, we as a bank thrive on consistency, predictability, and sustainability. With this, I thank you for your patient listening and now operator if you can open the floor for the comments, observations, and clarifications. Thank you. Moderator: Thank you. Ladies and gentlemen, we will now begin the question-and-answer session. We take the first question from the line of Akshat Agarwal from Nirmal Bang Institutional Equities. Please go ahead. Akshat Agarwal: Good evening, sir. Thanks for the opportunity. My first question is on margins. Yield on advances declined by 23 bps Q-o-Q. So sir, please could you elaborate on the key drivers? And with the loan mix gradually moving towards business loans and we have the benefit of residual deposit repricing as well, so how do you see yields, funding costs, and overall NIMs evolving for the rest of the year? That was my first question, sir. Praveen Kutty: Right. So our yield came at 10.75%, which is primarily due to the product mix that we went for in Q1. As you have seen, gold was a driver, the big movement has come from gold, which comes at a slightly lower yield and substantially lower cost and fairly minimal credit cost. We would see that as the year passes in Q2, Q3, and Q4, you will have higher yield mortgages contributing more. So over the next 3 quarters, the yield increase will come from a higher product mix of the mortgage sourcing that we do and the secured non-gold products that we would do. Akshat Agarwal: Right. So if you could share the proportion of LAP versus retail home loans even on a flow basis and if possible on the stock basis? Page 3 of 20 DCB Bank Limited July 24, 2026 Praveen Kutty: Currently we are at the 70/30 mark. So, what used to be a 25%/25% cut, is now looking like 27/ 23 on business loan and home loan. So that will continue. We are happy with the 70/30 kind of cut, probably it will be steady state 70/30 unless there is something dramatic whi [Showing first 8,000 characters — download PDF for full document]