Investor Presentaiton
Business Strategy
DCB BANK
01
Target self-employed,
MSME/SME, Retail
segment
02
Create a diversified,
secured and granular
portfolio
03
13
Limit Corporate,
unsecured and lumpy
exposures
Focus on retail
Mortgages*,
04
70
MSME/SME, Tractor
Finance, KCC, Gold
Loans, Construction
Finance, TReDS and
Co-lending
95
05
Rely mainly on Retail
Deposits (CASA, Term
Deposits). Limit
dependency on bulk
deposits. Use long
term refinance options
(SIDBI, NABARD and
NHB)
06
90
Target Tier 2 to Tier 6
locations
07
Continuously strengthen
credit (underwriting,
collections, recoveries,
portfolio monitoring and
analytics)
08
Invest continuously in
digital agenda to
improve frontline and
customer experience
09
90
Generate steady
granular Fee Income
through bancassurance,
mutual funds, trade,
remittances, foreign
exchange and cash
management
10
10
Continuously improve
Liquidity management,
Cost productivity,
Operational Risks and
HR processes
Form strategic
alliances to enhance
products, segments
and distribution
*Includes Home Loan & LAP
11
12
Partner with select
"start-up" companies to
participate in 'new age'
technologies
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