| Retail Banking | Savings and current accounts, retail mortgages, gold loans, personal loans, digital payment solutions, insurance and mutual fund distribution. | Strong niche focus on MSME/retail segments with extensive branch network and customized products. | Primarily B2C segment including self-employed, small business owners, retail customers and NRIs. | Fee-based products like cards, insurance distribution, and mutual funds. | 5799 | 70 | Interest income from loans, fee income from payments, insurance broking, mutual fund distribution, and card usage fees. | Interest-based lending, fees on transactions, commissions on third party distributions, and subscription-based services. | Increasing penetration in Tier 2-6 cities, digital banking adoption, and diversification in loan products. | DCB WOW Savings Account, DCB Niyo Cards, DCB Payless Credit Card |
| Corporate / Wholesale Banking | Corporate loans, trade finance, foreign exchange services, cash management, working capital finance. | Strong underwriting and risk management with specialized corporate banking teams. | B2B segment focusing on mid-sized corporates, SMEs, and institutional clients across India. | Short-term lending and trade finance products. | 533 | 6 | Interest income from loans and fees on transaction and cash management services. | Interest-based lending and transaction fees. | Expansion of corporate relationships and trade finance business; focus on secured lending. | |
| Treasury Operations | Management of investments, liquidity, foreign exchange, and securities trading. | Experienced treasury team with robust risk management controls. | N/A - internal operations supporting bank liquidity and investment needs. | Proprietary trading and investment income. | 1896 | 23 | Trading profits, interest income on investments, and foreign exchange gains. | Profit from trading and investment portfolios. | Active management of interest rates and foreign exchange markets. | |
| Other Banking Operations | Ancillary banking services not categorized under core segments. | | Internal and external entities. | | 161 | 1 | Service income and operational efficiencies. | Fee and service charges. | Support functions enhancing customer experience and operational support. | |
