Business Model

Our Value Creation Model

DFCC Bank operates within a broad ecosystem that includes a number of stakeholders namely its customers, shareholders, employees, regulators, communities, and the environment. The Bank’s activities have a direct and wide-ranging impact on these stakeholders, depending on how the Bank manages its operations.

To create value for its stakeholders, DFCC Bank uses a range of capitals, such as financial, employee, intellectual, social, and natural capitals. These capitals are continually transformed and enhanced by the Bank’s activities, resulting in outputs and outcomes that generate value for all stakeholders.

The Bank’s on-balance sheet activities, such as loans and investments, generate financial value for its shareholders and customers. These activities also contribute to the growth and development of the economy, which benefits society as a whole.

Off-balance sheet activities, such as Corporate Social Responsibility (CSR) programmes and environmental initiatives, also create value for the Bank and its stakeholders. By investing in social and environmental causes, the Bank enhances its reputation and brand value, which can lead to increased customer loyalty and trust.

Viewed from a broad perspective, DFCC Bank’s activities have a cascading effect on its stakeholders and the ecosystem in which it operates. By managing its operations and activities in a sustainable and responsible manner, the Bank can grow and enhance its stock of capitals, generating long-term value for all stakeholders.

Influences on these factors include trends in the operational environment (page 40), effective governance (page 152), and risk management practices (page 122), engagement with and expectations of stakeholders (page 45), materiality (page 50), strategic goals (page 42), and the continuous monitoring and assessment of performance across the Bank.