16 Business Groups

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The entire functions of Dhanlaxmi bank can be categorized in to 16 Businessgroups

Below are the 16 Business Groups:

1. Credit & Operations2. Chief Financial Officer

3. Wholesale Banking4. Human Resources5. Inspection and Vigilance6. Company Secretary and Secretary to Board7. Planning and Development8. Policy & Research9. Branch Banking10. Alternate Channels11. Trade andAdvances12. Integrated Risk Management13. Marketing and Corporate Communication

14. International Banking Group15. Information Technology and Projects16. Investment and Advisory Services

The details with respect to the key functions in the group and thereporting structure are mentioned subsequently.

CREDIT & OPERATIONS

A] CREDITFUNCTION

This function will comprise of the activities mentioned below. The heads ofeachfunction will report to the Group Head.

o Credit Sanctiono Credit Monitoring & Review (CMRD)

o Legal

o Recovery

C r e d it Sanction Department:

The department of credit sanction will be responsible for Credit Appraisal andApproval.The credit sanction department will be divided on the segments:

Corporate Credit SME Credit Retail Credit Micro and Agri Credit

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Cr e d it Monitoring and R eview D epar t ment (C MRD):

The function is divided into 3 segments:

a. Credit Reviewb. Credit Monitoring

c. Documentation

Credit Review:

This team will be responsible for Review / Renewal of the Credit

Limits falling under the delegated powers of the C.C.C / Board.

Cre dit Monito rin g:

This team will be responsible for the daily Credit Monitoring and will

analyse the credit history of the clientele, in order to detect any irregularities orsuspicious dealings or change in credit history.

Docu m entation:

This team will be responsible for all documentation like the loanagreement, security documents etc. at the Z.O.

M ic r o & Agri Lending:

This team will be responsible for the Micro and Agri finance lending andrelated activities of implementation across all regions.

Leg a l:

The team will be responsible for all aspects related to the legalframework.

Recovery:

The team will be responsible for recovery of impaired assets of the bank.

B]OPERATIONS FUNCTION:

This function comprises of the following:

Central Processing Center(DCS) Regional Processing Centers (RPC) Trade Finance Cash Management Services

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Branch Operations Credit Card Operations Projects

Each area of work will be further sub-divided basis on the processhandled. The details are as mentioned under:

1. Central Proc es sing Center (DCS):

It will be responsible for:

a) Form Processing:

All account setup (includes Assets and Liabilities) and modification requiredwill be processed by the Central Processing team. It will also cover thedocuments related to CMS.

b) Electronic Transaction Processing:

Activities as mentioned below will be handled at the DCS

o Cardo Service Request Processing

o ECS

o RTGS/ NEFT

o Internet Banking Processingo ATM Reconciliation

c) Mailing and Logistics:

The process for mailing and handling logistics related to the ATM card, pin mailers,cheque books etc will be managed by this team.

d) Service Desk:

Processing queries from various branches will be resolved post escalation to theDCS.

2. R e g i o n al P r o c e s s i ng C e n t e rs ( R P C ) :

It will be responsible for

a) Inward and Outward Clearanceb) Document Scrutinyc) ATM Cash Envelope Processingd) Salary Processing for Corporate tie-upse) Processing queries related to the branch / regional level.

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3. Trade Finance:

All activities related to the processing/ reviewing/ modification/verification/ any such related activity of trade finance department will be managedby the trade finance desk which will based at select Regional Processing Centers.

4. Cash Management S e r v ice s :

Activities of payment and collection of cash, credit to respective accounts thereonand such related cash management activities will be handled by the central andregional processing centers depending on the area ofwork defined.

5. Br a n ch Operations Processes:

This team will work towards meeting the challenges of increasedcustomer expectations and operational efficiency.

6. C r e d it C a rd Op e r a t io ns:

All activities related to the credit card operations will be handled by anoutsourced partner. The process functioning will be monitored and managed bythe department head who in turn will report to function head.

7. Projects:

This team will be responsible for projects related to automation ofallexisting manual processes.

CHIEF FINANCIAL OFFICER

The group will be responsible for the following:

a) Treasuryb) Mid Office Treasury & Back office Operationsc) Finance andAccountsd) InvestorRelationse) Finance Institutional Groupf) RBI Interface

g) Infrastructure Managementh) Administrationi) Value Management Group

The function will have respective teams located at the C.O. / Z.O. / R.O. / MumbaiOffice.

A] TREASURY:

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This team will be based out of the Mumbai Office. The team will beresponsible for day to day cash flows of the bank. Interest Rates will also be akey responsibility ofTreasury.The portfolio will include:

1. Cash Management2. Asset Liability Management

3. Investments & Trading4. Foreign Exchange & Risk Management

The operations related to the treasury function enable the bank to use techniquesand information to minimize financial costs and maximize returns on cashsurpluses.

Cash Management:

It involves managing the short term financial flow, liquidity, thesurpluses and deficits of the domestic market.

Asset L iability Management (ALM):

The ALM function comprises management of liquidity, maturity profiles ofassetsand liabilities and interest rate risks.

Invest ments & Tr adi ng:

The bank through a wide spectrum of investment products that substitute thetraditional credit avenues of a corporate like commercial papers, preferenceshares, non-convertible debentures, securitized paper and fixed and floating

rate products ensures:

a) Safety of the funds investedb) Optimization of profits from investment operations

F o r e i gn Ex ch a n ge & R isk M a n a g e me nt:

The purpose of Foreign Exchange Markets is to facilitate trade andinvestments with multifarious currencies ruling the international markets.

B]MID OFFICE TREASURY:

The team will be responsible for:

a) Treasury Middle Office (TMO) and

b) Treasury Back-office Operations (TBO)

The TMO team will provide information on risk, pricing and valuation,performance measurement and compliance support, settingcounterparty limits etc.

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The TBO will include Forex Operations, FCNR Maintenance and

Foreign Currency Cheque Collection, settlement and accounting.

C] FINANCEANDACCOUNTS

The team will be responsible for handling all activities related to thefinancial statements, annual budgets, forecasts and allocation ofresources / funds.

D] INVESTOR RELATIONS:

The team will be responsible for managing relations with wholesaleinvestors, FIIs, MFs etc.

E]FINANCIAL INSTITUTIONAL GROUP (FIG):

All aspects related to the large financial inflows, tracking the best

practices in the industry and laying down a roadmap that focus on thedevelopment aspect of the bank will be handled by this team.

F] RBI INTERFACE:

All activities that require the support and guidance of the RBI in terms ofapprovals, modifications, review and compliance will be handled directly by theCFO.

G] INFRASTRUCTURE MANAGEMENT:

This team will be based out of the Mumbai Office with select members deputedfrom various branches / other departments to assist in the on- going expansionplans.

H]ADMINISTRATION:

The team will be responsible for all activities as mentioned below:

Facility management Safety and Security Systems

Business Communication and Correspondence management

(Business Cards, Courier, Telephone etc) Procurement of various items of Printing, stationery, housekeeping etc Travel Desk Guest House / Hotel Tie-upArrangement

Banks Vehicle Management

Company LeasedAccommodation

Cafeteria Management

Club Memberships

Elementary Logistics Management

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Event Management

Insurance of Bank Property

Liaison with the Govt. / Legal Authorities / Local Corporations and related authorities for smooth flow of administrative activities

I] VALUE MAN AGE MENT GROUP :

The team will be responsible for all activities related to transferpricing, branchprofitability, functional profitability etc. The teams will be responsible for mappingthe performance basis the strategies devised.

WHOLESALE BANKING GROUP

The portfolio comprises of the following:

A. Corporate BankingB. Government / PSU Banking

C. Investment BankingD. Cash & Trade Finance Sales Group

A] CORPORATEBANKING:

This Group is responsible for addressing the entirety of bankingrequirementsof large corporate customers and their affiliates

B]GOVERNMENTBANKING:

The focus is to understand the financial needs of Central and State

Governments and remain committed to serving this specialized segmentthereby delivering proven easy to use solutions forGovernment undertaking and itsAgencies.

C]INVESTMENT BANKING:

The portfolio will include 2 segments as mentioned below:

1. Debt Capital Markets2. Capital Markets

D] CASH & TR ADE FINANCE SALES :

Trade Finance team will leverage its structuring capabilities andbanks full product suite to provide unique and innovative solutions tailor madefor clients business, meeting their needs for short to medium-term financingsuch as pre-export financings, receivables financings.

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HUMAN RESOURCES

The team will be responsible for all activities related to Human Resourcefunction of the Bank.

The Key Areas of Work will include:

Human Resource Planning and Budgeting Organizational Development Recruitment Induction & Orientation Programs Learning and Development Staff Training College Performance Management Employee Engagement Talent Management Programs Employee Relations

Employee Communication Human Resource Information systems & HR Operations Compensation and Benefits Corporate Social Responsibility

INSPECTION AND VIGILANCE

The portfolio will comprise of:

Inspection andAudit

Audit Committee Vigilance Annual Financial Inspection (AFI) Ombudsman and Anti-Money Laundering(AML)

COMPANY SECRETARY AND SECRETARY TO BOARD

The team will be based out of CO. The Company Secretary and ComplianceGroup is a vital link between the Bank and the Board ofDirectors,Shareholders, Government and Other RegulatoryAgencies.

PLANNING AND DEVELOPMENT GROUP

The team will be based out of C.O. It will be mainly responsible forformulating the Banks annual business plans and the strategies forachieving them.

POLICY & RESEARCH GROUP

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The Policy & Research unit is expected to provide a wide spectrum ofknowledge-based inputs and products. Broadly there will be 3 parts to thedepartments scope ofoperations as mentioned below:

A] Macro Economic AnalysisB] Sectoral AnalysisC] Strategy & Policy

BRANCH BANKING GROUP

The branches will be responsible for the following:

CustomerService CustomerAcquisition Branch Operations Fee Income Products and Services Retail Liabilities

ALTERNATE CHANNELS

The objective and endeavor of this team is to deploy state of arttechnology in the area of Alternate Channels.The current portfolio of channels willcomprise of segments as mentioned below.

o ATM

o Internet Banking

o Mobile Banking

o Self Service Terminals

o Customer Contact Center & Tele Banking

o Point of Sale (POS) Terminal

TRADE AND ADVANCES

This Group is responsible for acquisition and

relationship management of all customers and their affiliates in the smalland medium institutional segment

The portfolio includes below functions:

Core Banking Working Capital, Term Loans, Letter of Credits, BankGuarantees etc. Investment Banking Debt Market, Capital Market, Investment

Advisory Trade Finance (including Forex services)

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INTEGRATED RISK MANAGEMENT GROUP

The team will be responsible for identifying, measuring and managing theinherent and perceived risk.

The key areas in risk management will include:

Defining the Risk appetite and Risk Philosophy of the Bank Identifying, Measuring & Managing Credit, Market and OperationalRisk Implementing New Capital Adequacy Accord Framework(Basel II) Monitoring the Assets and Liabilities from liquidity and interest rate riskperspective Validation of Credit Rating - Advances and Investments Clearing the new proposals/services from operational riskperspective Driving the Internal Capital Adequacy Assessment Process

Risk Aggregation and CapitalAllocation Defining Risk Appetite and Risk Philosophy

The objective of risk management is not to eliminate risk orprohibit riskyactivities but to ensure that risks are taken within the acceptable levels afterappropriate mitigation techniques.

The quality of risk function is primarily governed by size and quality ofbalance sheet, complexity of functions, technical / professional manpower andthe status of MIS at the bank.

MARKETING & CORPORATE COMMUNICATION GROUP

The team will be responsible for

a) Marketingb) Corporate Communication

INTERNATIONAL BANKING GROUP

The group will comprise of the following functions:

a) NRI Business b) Foreign Officesc) Joint Ventures and Offshore Subsidiar ies

INFORMATION TECHNOLOGY AND PROJECTS GROUP

With differentiation of products and services and emergence of newdelivery channels, the Core Banking Business and Technology have convergedfor better deliverables.

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INVESTMENT AND ADVISORY SERVICES

The group will have the following verticals:

a) Insurance Servicesb) Online Broking

c) Mutual Fund

d) Foreign Traveller Cheque and Currency Sellinge) Gold Commodity

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Documents

16 Business Groups