Business Model

Our Portfolio

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.

Target Segment
Project loans funded by credit lines

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
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