About DCB bank

DCB Bank is a modern emerging new generation private sector bank with 130 plus branches
across 17 states and 2 union territories. It is a scheduled commercial bank regulated by the
Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary
technology and infrastructure including state of the art internet banking for personal as well as
business banking customers.
DCB Banks business segments are Retail, micro-SMEs, SMEs, mid-Corporate, Agriculture,
Commodities, Government, Public Sector, Indian Banks, Co-operative Banks and Non-Banking
Finance Companies (NBFC). DCB Bank has approximately 450,000 customers.
DCB Bank has deep roots in India since its inception in 1930s. Its promoter and promoter group
the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Ltd.
holds over 19% stake. AKFED is an international development enterprise. It is dedicated to
promoting entrepreneurship and building economically sound companies.

History
Built on over 78 years of trust, tradition and togetherness, DCB Bank was converted into a
Scheduled Commercial Bank on May 31, 1995, in the wake of Indias economic liberalization. It
was the only co-operative bank, which successfully crossed over and thrived in the face of
change. The Bank has a network of 130 plus state-of-the-art, customer friendly, and conveniently
located branches across the states of Maharashtra, Gujarat, Andhra Pradesh, Karnataka,
Telangana, Delhi/ NCR, Rajasthan, Goa, Tamil Nadu, Haryana, West Bengal and the Union
Territories of Daman & Diu and Dadra & Nagar Haveli.

Vision & Core Values

Vision:
Our vision is to be the most innovative and responsive neighborhood community bank in India
serving entrepreneurs, individuals and businesses.

Core Values

Treat Everyone with Dignity Respect

Do What is Right Ethical
Be Open & Transparent Fair
Sense of Urgency, Passion & Energy Dynamic
Go the Extra Mile & Find Solutions Stretch
Improve Continuously Excellence
Play as a Team, To Win Teamwork
Support the Society - Contribute

Company Study
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Organization Structure : Company history; ownership patterns; Divisions, number of People;
Department etc.
Financial Profile of Company
Products & Services
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Financial Profile of Company

CB Bank reported full year Net Profit of 151 Cr. in FY 2014 as against full year Net
Profit of 102 Cr. in FY 2013. The Banks Net Profit for Q4 FY 2014 was 39 Cr. as against

Net Profit of 34 Cr. in Q4 FY 2013 and 36 Cr. in Q3 FY 2014.

As on March 31, 2014, the Balance Sheet was at 12,923 Cr. as against 11,279 Cr. as on

March 31, 2013, a growth rate of 15%.

Retail Deposits (Retail CASA and Retail Term Deposits) continued to provide a stable
resource base to the Bank. Retail Deposits were at 77% of Total Deposits as on March 31,

2014.
CASA ratio as on March 31, 2014 was at 25% as against 27% as on March 31, 2013.
Net Advances grew to 8,140 Cr. as on March 31, 2014 from 6,586 Cr. as on March 31,

2013 a growth rate of 24%.

Capital Adequacy Ratio (CAR) was at 13.71% as on March 31, 2014 with Tier I at

12.86% and Tier II at 0.85% as per Basel III norms.

Crisil Ratings assigned "CRISIL A1+" (pronounced as "CRISIL A one plus") rating for
Short Term Fixed Deposit Programme (with a contracted maturity of upto 1 year).

Product & Services

DCB Bank Offers a Wide Range of Products
1. Retail Banking
Deposit Products:

Current and Savings

Term Deposits
NRI Deposits
Corporate Salary
Point of Sale Terminals
Lockers

Wealth Management:

Financial Planning

Mutual Funds
Life Insurance and General Insurance

Cards:

ATM Card
Debit Card
Gift Card
Prepaid Card
Secured Card
Travel Card

* Offered to existing customers

Loans:

Auto Loan*
Commercial Vehicle
Construction Equipment*
Crop / Dairy Loan
Home Loan
Loan Against Gold
Loan Against Property
Loan Against Shares
Tractor Loan
Warehouse Construction Loan

Payment Services:

Remittances
Bill / Utility Payments
RTGS / NEFT
Online Share Trading / Demat
Tax Payments

Services:

24 / 7 Phone Banking
Any Branch Banking
Internet Banking

Mobile Banking

2.

SME, Corporate Banking, MFIs, NBFCs and Co-operative Banks

Current Account
Trade Current Account
Working Capital
Term Loan
Supply Chain
Portfolio Buyout
Import / Export
Bills Collection
Foreign Exchange
Letters of Credit
Guarantees
Cash Management**
RTGS / NEFT
Internet Banking

3. Treasury

Statutory Reserves Management

Liquidity Management
Trading in Government Securities
Foreign Exchange Bonds
Corporate Bonds
CDs
Equity Investment

**DCB Bank has tie-ups with Axis Bank and HDFC Bank to provide customers with Cash
Management facility at over 500 locations across India