MANAGEMENT DISCUSSIONS AND ANALYSIS REPORT
The Management Discussion and Analysis Report is included in the Directors' Report, andforms a part of Corporate Governance.
MEANS OF COMMUNICATION TO SHAREHOLDERS
Financial results and all materially important communications are promptly shared withthe Stock Exchanges. The Bank's results are also published in newspapers pursuant toapplicable regulatory provisions and hoisted on its website at www.dchhank.com. Thequarterly and half yearly declaration of financial performance including summary of thesignificant events is not being sent to every shareholder as the Bank's half yearlyresults are published in a national English daily newspaper (Free Press Journal) and alocal Marathi daily newspaper (Nav Shakti) having a wide circulation in Mumbai. Also thesame have been hoisted on the website of the Bank. The Bank also made presentations toInstitutional Investors and/or to the analysts and/or hoisted those presentations on thewebsite of the Bank and/or made press releases from time to time.
Share transfers, dividend payments and all other investor related activities areattended to and processed at the office of the Bank's Registrars and Transfer Agents.
For lodgment of transfer deeds and any other documents or for anygrievances/complaints, kindly contact at the following address:
LINK INTIME INDIA PRIVATE LTD.,
Registrars and Transfer Agents.
Unit DEVELOPMENT CREDIT BANK LTD.
C-l 3, Pahnalal Silk Mills Corhpound, LBS Marg, Bhandup (W), Mumbai-400 078.
Tel. No. 2596 3838
Fax No. 2594 6969
E-mail id: email@example.com
Website: www.linkintime.co.in Counter Timing: 10 a.m. to 4 p.m.
Monday through Friday (except National holidays)
Shareholders/Investors can also send their queries through, e-mail to the Bank atinvestorgrievance@.dchhank.com.
This has also been displayed on the Bank's website www.dchbank.com under the section'Investor Relations'.
Name of the Compliance Officer of the Bank
Mr. H. V. Barve - Company Secretary.
Telephone: 020 6618 7013
Fax: 022 66589970
Email id: barvefg.dcbbank.com
REGISTERED OFFICE & CORPORATE OFFICE
ADDRESS: 601 & 602, Peninsula Business Park,
Tower A, 6* floor, Senapati Bapat Marg,
Lower Parel, Mumbai - 400 013
Telephone: 6618 7000
Date of Incorporation - 31-05-1995.
Registration No. - 11-89008 of 1995.
CIN - L99999MH1995PLC089008
I confirm that for the year under review, all Directors and senior management haveaffirmed their adherence to the provisions of the Code of Conduct.
Murali M. Natrajan
Managing Director & CEO
Date: April 12, 2013
CORPORATE GOVERNANCE COMPLIANCE CERTIFICATE
Independent Auditor's Certificate
The Members of Development Credit Bank Limited
We have examined the compliance of conditions of corporate governance by DevelopmentCredit Bank Limited ('the Bank") for the year ended 31 March 2013 as stipulated inClause 49 of the Listing Agreement of the said Bank with The BSE Limited ('BSE') and TheNational Stock Exchange of India Limited ('NSE*) (together referred to as the 'StockExchanges').
The compliance of conditions of corporate governance is the responsibility of themanagement. Our examination was limited to procedures and implementation thereof, adoptedby the Bank for ensuring the compliance of the conditions of corporate governance. It isneither an audit nor an expression of opinion on the financial statements of the Bank.
In our opinion and to the best of our information and according to the explanationsgiven to us, we certify that the Bank has complied with the conditions of corporategovernance as stipulated in the above mentioned Listing Agreement
We further state that such compliance is neither an assurance as to the futureviability of the Bank nor the efficiency or effectiveness with which the Management hasconducted the affairs of the Bank.
For B S R & Co.
Firm's Registration No: 101248W
N Sampath Ganesh
Membership No: 042554
12 April 2013