📈 DFCC Bank 1H 2026: Core Franchise Expands Amid Macro Tightening

• Financial Performance: Group Profit After Tax (PAT) stood at Rs. 4.1 Bn (Bank PAT: Rs. 3.9 Bn, down YoY as prudential impairment buffers were reinforced). Total Tax Expense reached Rs. 3.7 Bn (49% tax rate on operating profit). Net Interest Income grew 6% YoY to Rs. 16.1 Bn with a Net Interest Margin of 3.66%. • Core Growth & Balance Sheet: Total assets reached Rs. 921 Bn (Group) / Rs. 919 Bn (Bank, up 7% YTD). Loans grew 9% YTD to Rs. 564 Bn (up 20% over 12 months), while deposits rose 12% YTD to Rs. 632 Bn. CASA ratio improved to 24.99%. • Fee Income & Asset Quality: Net fee and commission income surged 29% YoY to Rs. 4.2 Bn, driven by trade-related commissions and credit card portfolio expansion. Net Stage 3 impaired loan ratio improved to 3.61% (from 4.55% at end-2025). Impairment charges rose to Rs. 4.6 Bn. • Strategic Expansion: Completed acquisition of Standard Chartered Bank’s Sri Lanka Wealth & Retail Banking business (effective 1 Aug 2026), adding ~50,000 accounts, ~260 staff, and expanding network to 139 locations. • Capital & Liquidity: Total Capital Adequacy Ratio maintained at 15.75% (Group). Tier 1 ratio stood at 11.95%. Blue Bond secured supplementary listings on Luxembourg Stock Exchange and India INX (GIFT City). Currently processing up to LKR 15 Bn Basel III Tier II debenture issue.