DFCU is the 6th largest bank in Uganda with a strong presence in the SME market. The bank is expanding into retail banking and agricultural finance. In 2013, Rabo Development took a 27.5% stake in DFCU.

DFCU Bank’s focus is to improve access to financial services and to contribute to the transformation of Uganda’s agricultural sector. In 2015, loans to the agricultural sector accounted for 13.5% of the total loan book. The main sectors supported include: tea, poultry, dairy and beef, maize, sugar and rice. As part of the financial inclusion initiatives, DFCU Bank partnered with mobile phone companies. These partnerships enable customers to deposit and withdraw money from their bank accounts at tens of thousands of agents of these mobile phone companies throughout the country.

DFCU Bank has supported the establishment of over 9,000 investment clubs and provided financial literacy trainings. An investment club is a group of like-minded people, who collectively pool their resources in order to attain a common investment/financial goal. DFCU investment clubs comprise of over 900,000 members with total collective savings of USD 7.1 million. The DFCU Women in Business (WiB) program was established with an overall objective to meet the unique financial needs of women, whether it’s a young professional, a woman engaged in business or a woman involved in agri business.
The contribution of women to the economy has been steadily growing over the years. Today women own approximately 40% of SMEs in Uganda and employ nearly two million people. Over 8,000 members are currently registered on the DFCU WiB program.

In 2015, DFCU Bank established the WiB Advisory Centre to provide a one stop shop for business advisory services to women enrolled on the DFCU WiB program. Over 6,000 women have benefited from the capacity building sessions provided through the WiB program, and over 3,000 have accessed the DFCU WiB loans to grow their businesses.

DFCU Limited was started by CDC (UK) and the Government of Uganda through Uganda Development Corporation (UDC) to support long term development projects whose financing needs and risk did not appeal to the then existing commercial lending institutions.

DFCU - Uganda

Customers 255.000
Outlets 45
Total assets EUR 451 million
Rabobank’s stake 28%


Office Address Plot 2 Jinja Road
Po Box 70, Kampala, Uganda
Telephone +256 312 300 200/374
Fax +256 414 259 435