Operationally, the Bank’s primary lines of business are Corporate Banking, SME Banking, Business Banking, Personal Banking, Treasury and International Banking. The business lines are complemented by its subsidiaries, a joint venture and an associate company for services in consultancy, information technology, industrial estate management, investment banking and fund management.

Our services are delivered through 79 branches and 58 DFCC Bank service points at Sri Lanka Post outlets. Customers also have access to over 800 ATMs across the country as well as zero cost cash withdrawals from ATMs that are shared with eight other banks. DFCC Bank also offers Internet and mobile banking services.

Product/Service		Target Segment
Project loans funded by credit lines Saubhagya		Small and Medium Enterprises (SMEs)
New Comprehensive Rural Credit Scheme		Short-term cultivation
Miridiya (Aquatic Resources Development Revolving Fund)		Freshwater fish and prawn production, nurseries, processing plants, ornamental fish, aquatic plants, tissue culture and ornamental aqua plants. Targeted Districts: Anuradhapura, Ampara, Badulla, Batticaloa, Hambantota, Kurunegala, Matale, Moneragala, Nuwara-Eliya, Polonnaruwa, Puttalam, Ratnapura, Trincomalee and Vavuniya
Self-employment Promotion Initiative Loan Scheme		Vocational qualification holders
Working capital loan scheme for registered tea factories		Registered tea factories
SMILE III Revolving Fund		SMEs
Commercial Scale Dairy Development Loan Scheme (CSDDLS)		Dairy sector
Dasuna Revolving Fund Phase II		SMEs in the Southern Province
Green Energy Global Loan		Corporates and SMEs
EIB Loan Scheme		SMEs
Other project loans Term loans		Corporates, SMEs, professionals and individuals
Working capital financing Short-term working capital financing – overdrafts, revolving credit or short-term working capital loans Medium long-term loans to finance permanent working capital requirements		Current account holders, corporates, SMEs and entrepreneurs Corporates, SMEs and entrepreneurs
Leasing facilities ‘Easy Leasing’ facilities for brand new and unregistered/registered vehicles, machinery, plant and equipment		Corporates, SMEs, entrepreneurs, professionals and individuals
Hire purchase facilities Hire purchase facilities for vehicles		Corporates, SMEs, entrepreneurs, professionals and individuals
Guarantee facilities Bid bonds, advance payment bonds, performance bonds, bank guarantees for credit purchase of goods		Corporates, SMEs, entrepreneurs, professionals and individuals
Fixed deposits A wide range of tailor-made deposit products at competitive interest rates		Corporates, SMEs and individuals
Loan syndication Loans provided by a group of lenders which is structured, arranged and administered by one or several banks		Corporates
Consultancy and advisory services Provision of legal, tax, finance, market and other advisory services to start up a new business or revamp existing businesses		Corporates, SMEs and entrepreneurs
Savings facilities Supreme Vaasi – Offers a superior rate of interest		Businesses and individuals aged 18 years and above
Mega Bonus – Interest rates grow in tandem with the savings deposits		Businesses and individuals aged 18 years and above
Vardhana Junior – Children’s savings account offering a range of gifts and support for higher education		Children below 18 years of age
Vardhana Junior Plus – Children’s savings account with a higher interest rate		Children below 18 years of age
Vardhana Garusaru – Offers a higher interest rate with a range of other benefits		Senior citizens above 55 years of age
Personal loans A loan that helps to meet personal financing requirements to enrich one’s life		Entrepreneurs, professionals and individuals
Pawning services Ranwarama Pawning – Gold-pledged loans		Mass market/individuals
Housing loans Sandella – Flexible and convenient housing loans at affordable rates		Entrepreneurs, young professionals and employed persons
Education loans Vardhana Nenasa – Flexible and convenient loan facilities for higher education		Individuals pursuing higher studies
Other facilities Includes a range of products and services including current accounts, overdraft facilities, foreign currency accounts, credit card facilities, gift certificates, international trade services, off-shore banking, international payments, bancassurance, foreign money transfer via Western Union/Lanka Money Transfer and local payments		Business community, entrepreneurs, professionals and individuals