INTRODUCTION

DCB Bank Limited is a private sector scheduled commercial bank in India. It has a
network of 331 branches. and around 505 ATMs in the country. It offers products
to individuals, small and medium businesses, rural banking and mid corporates
across the branch network.

DCB Bank also serves a client base of NRI customers from over 100 countries
across the world. DCB NRI Banking offers very attractive Fixed Deposit interest
rates in the country.This is obviously a much appreciated facility. Moreover, DCB
NRI Customers can open a DCB NRI Account from anywhere in the world. A
prospective customer only needs to log on the Bank's website, access the NRI
open an account section and simply fill and submit online. The Bank's NRI
Customer Service team available 24 Hours all through the year then reaches out
to the customer to complete the account opening process.

DCB Bank's products and services range from loans for Small and medium
enterprises and Mid Corporate customers, to Loans for individual needs such as
home loan, loan against gold, commercial vehicle loan and small business loan.
Agri & Inclusive Banking from DCB Bank includes tractor loan, loan against gold,
warehouse finance, loan against warehouse receipt, dairy and farm loan, loans for
microfinance organisations amongst other products.DCB Bank Savings Accounts
provide attractive value such as cash back option and personalised account
number. Additionally, DCB PayLess secured credit card is a credit builder card. The
Bank is active in the online and digital banking space with DCB on the GO - instant
mobile banking, SMS banking, Telephone banking.

DCB BANK
Type Private
Traded as BSE : 532772

NSE : DCB BANK

Industry Banking financial services
Founded 1930's
Headquarters Mumbai, Maharashtra , India
Key people Mr. Nasser Munjee

Chairman

Mr. Murali M. Natrajan

MD & CEO .
Products Consumer banking, Agriculture &
Inclusive Banking Corporate banking,
Finance and Insurance distribution,
Mortgage loans, Private banking,
Wealth management, Investment
banking.
Website www.dcbbank.com

DCB BANK & CORPORATE SOCIAL RESPONSIBILITY

DCB is one of the top banks in india. Water is a national asset and the crisis
around water has been the reason for the Bank to focus CSR programmes around
water. DCB Bank's CSR thrust areas are, protection of water bodies and sources of
water, waste management, recycling, promoting startups, protection of
monuments of national importance and promote renewable energy. DCB Bank is
proud to have installed zerodor waterless urinals at the eponymous Wagah Border
Check post, near Amritsar. The gents public toilets used by tourists are 100%
waterless thus saving 1.5 to 1.8 liters per use.

HISTORY OF THE BANK

DCB Bank has over the past two years doubled the branch network presence to
323 branches (as on 30 June 2018) from 160 branches two years back. This
relatively recent growth spurt has been instrumental in driving business growth as
well visibility. The Bank has come a long way from humble beginnings in the
1930s, in Mumbai from a series of Co-operative bank mergers with the Ismailia
Co-operative Bank Limited and the Masalawala Co-operative Bank respectively.

These 2 banks later merged to form Development Co-operative Bank, that

changed to Development Credit Bank after it was granted the scheduled bank
license by the Reserve Bank of India in May 1995.

Development Credit Bank Ltd. went on to successfully offer shares to the public by
an Initial Public Offering (IPO) in 2006. DCB Bank Limited is the new name of the
Bank, changed with due regulatory approval in January 2014.

PRESENCE OF THE BANK

The Bank is present in 19 States and 3 Union Territories. Cities having DCB Bank
branches are Agra, Ahmedabad, Ambala Cantt, Aurangabad, Bengaluru, Bhopal,
Bhubaneswar, Chandigarh, Chennai, Coimbatore, Dehra Dun, Delhi NCR,
Gandhinagar, Gurugram, Hyderabad, Indore, Dewas, Jabalpur, Jaipur, Jalandhar,
Jodhpur, Kanpur, Kochi, Kolkata, Lucknow, Ludhiana, Mumbai, Meerut, NOIDA,
Panjim, Patna, Pune, Surat, Trichy, Udaipur, Vadodara, Vishakhapatnam. DCB Bank
is also focussed in expanding in tier 3 to tier 6 towns in Andhra Pradesh,
Chhattisgarh, Gujarat, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Odisha
and Telangana.

States where DCB Bank branches are located: Andhra Pradesh, Bihar, Chhattisgarh,
Delhi NCR, Gujarat, Goa, Haryana, Karnataka, Kerala, Madhya Pradesh,
Maharashtra, Odisha, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh,
Uttarakhand and West Bengal.

AWARDS
DCB Bank was the runner up Best Small Bank in India recognised by Businessworld
Magna Awards 2018, the Bank was rated as the Best Small Bank in India by
Businessworld Magna Awards 2017. Recently the Bank was conferred the Good
Corporate Citizen Award 2017- 2018, by Bombay Chamber of Commerce &
Industry. This was in recognition for the activities actively promoted by the Bank
for sustainability and climate change mitigation across India.

Products and Services

Services for resident Indian clients by DCB Bank
Mentioned below is the list of products and services offered by Development
Credit Bank Ltd to its resident Indian clients:

Account Services :
 Current Account
 Savings Account

Savings Services:
 Recurring Deposits
 Fixed Deposits

Credit Facilities:
 For Business
 Credit Against Gold
 Construction Tools Credits
 Auto Credit
 Business Vehicle Credits

Endowment Facilities :
 Life Insurance
 General Insurance
 Demat Account Services
 Mutual Funds
 Licensed Banking
 Smart Business facilities

Other Services:
 Electronic Funds Transfer (EFT) Services
 Account Statement by E-Mail
 Card to Card Money Transfer Services
 Telephone Phone Banking
 E-mail Banking
  Cell Phone Banking Services
 Global Debit Card Services
 Visa Money Transmittal Services
 Cash Chests

Services for SME clients by DCB Bank

Mentioned below is the list of products and services offered by Development
Credit Bank Ltd to its SME clients:

The bank identifies with the commercial requirements and consequently provides
well-adapted SME services at reasonable interest rates and guidelines that go well
with their business. The bank provides an entire set of SME commercial services
ranging from loan facilities for satisfying the incessant capital needs of the
merchants to a range of business credit products and wealth management
services. Some of the loan and services offered by the firm are :-

 Loans for Small and Medium Enterprises

 Wealth Management Facilities
 Commercial Online Banking
 Business Finance
 Credits

Mentioned below is the list of products and services offered by Development

Credit Bank Ltd to its corporate clients:

DCB aims to partner their corporate clients in their expansion process and help
them to create enduring relationship with them that is both significant & jointly
valuable.

Through their business banking segment the bank provides a range of products
encompassing interim business credit and other solutions as well. Some of the
corporate services provided by the bank are:
  Gold Card Plan for the Exporters
 Coffers Services
 Rate of Interest on credits and advances
 Business Banking
 Service tariffs - Business Banking

DEVELOPMENT CREDIT BANK INFORMATION DATA

No. Of offices 81
No. Of employees 1942
Business per employee 379.00
( In ₹ lakh )
Profit per employee -4.00
( In ₹ lakh )
Interest income 645
( In ₹ crore )
Other income ( in ₹ crore ) 120
Interest expended ( in ₹ crore ) 448
 Operating expense (in ₹ crore) 242
Return on Asset -1.25
CRAR 13.30
Net NPA Ratio 3.88

FACTS
 DCB bank has reported a full year net profitof ₹ 151 cr. In financial year 2018 as
against full year net profit of ₹ 102 cr. in financial year 2017. The bank,s net
profit for financial year 2018 was about ₹ 39 cr. as touching net profit of ₹ 34
cr. In the financial year 2017 and ₹ 36 cr.in the financial year 2018.
 As on the month of March 31st in the year 2018, the balance sheet was at
about whooping ₹ 12,923 cr. as against the ₹ 11,279 cr. as on the month of
March 31st in the year 2017which is a growth rate of 15% .
 Retail Deposits such as Retail CASA and Retail term deposits are still continued
to deliver a steady supply base to the bank. Retail Deposits were at about 77%
of the total deposit as on the month of March 31st in the year 2018.
 CASA share as on the month of March 31st in the year 2018 was at 25% .
 Net advances grew to ₹ 8,140 cr. as on the month of March 31st in the year
2018 from ₹ 6,586 cr. as on the month of March 31st , in the year 2017, which
is a growth rate of 24% .
 Capital Adequacy Ratio was at 13.71% as on the month of March 31st in the
year 2018 with Tier 1 percentage at 12.86% and Tier 2 Percentage at 0.85%
which was as per Basel 3 norms.
 CRISIL rating assigned " CRISIL A1+ " rating to the bank for the short term fixed
deposit program which came with a contracted maturity of up to 1 year.