Investor Presentaiton

Profitability Approach Liability Strategy Business Strategy Way Forward Systematic Growth in Deposits •Increasing CASA with quality acquisition. •Improve value of account • Quality Advance Portfolio Increasing Retail Advances including Housing Loan, Car Loan, Gold Loan and Loan against property. •Lending based on Cash flow of activities & Collaterals Better Pricing Relocating higher rental Premises & relocating low hit ATMs Negotiation with vendors for competent pricing Optimising Cost . • Cost Rationalization & monitoring Focus on Non Interest Income Focus on recovery efforts using provisions of IBC, RR,OTS etc Effective Cross Selling with increased number of products per customer Marketing of Insurance and Mutual Fund Products • More focus on Non Fund based facilities • Uniform Processing fee structure Other Initiatives • Leveraging benefits of IT Transformation Publicity of various facilities / products available with the bank. •Effective use of data mining tools Improved Visibility Measures Dhanlaxmi Bank established 1927

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