DENA BANK. WELCOMES YOU AT ANALYST MEET 6 th November Un-Audited [Reviewed] Quarterly/Half Yearly Financial Results For September 30, 2012

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1 DENA BANK WELCOMES YOU AT ANALYST MEET 6 th November 01 Un-Audited [Reviewed] Quarterly/Half Yearly Financial Results For September 30, 01

2 KEY INDICATORS [` cr] Full Year Quarter March 1 Sept 11 Sept 1 Growth [%] Half Year Sept 11 Sept 1 Growth [%] Operating Profit Net Profit Total Income Total Expenses Provision & Contingencies Business Mix

3 NET INTEREST INCOME Full Year Quarter Growth March 1 Sept 11 Sept 1 [%] Half Year Sept 11 Sept 1 [` cr] Growth [%] Interest Income Advances Investment Inter Bank [15.17] Others Interest Expense Deposits Others Net Interest income [NII]

4 NET INTEREST INCOME [` cr] Full Year Quarter Half Year Net Interest Income Net Interest Margin March 1 Sept 11 Sept 1 Sept 11 Sept % 3.%.86 % 3.06%.96 % Sep 09 [Q] Sep 10 [Q] Sep 11 [Q] Sep 1 [Q] 4

5 5 NON INTEREST INCOME Full Year Quarter March 1 Sept 11 Sept 1 Growth [%] Half Year Sept 11 Sept 1 Growth [%] Total Non Interest Income Fee Based Income Core Profit from Sale of Securities Recovery in Written off Advances [8.86] [36.4]

6 6 PROVISION & CONTIGENCIES [` cr] Full Year Quarter Half Year March 1 Sept 11 Sept 1 Sept 11 Sept 1 NPA Tax Expense Investment Depreciation [.73] 47.9 [36.34] Standard Assets [1.03] FITL NPV of Restructured A/cs Others Total Provisions

7 RESOURCES /DEPLOYMENT [` cr] March 1 Sept 11 Sept 1 Growth [%] Current Deposits Savings Deposits CASA Deposits Term Deposits Aggregate Deposits CASA [%] to Total Deposits Inter Bank Deposits TOTAL DEPOSITS Gross Advances

70,000 60,000 53,498 64,36 16,000 14,000

Sep'11 Sep'1 CASA Deposits Total Deposits

78% in CASA Deposits over last two years

8 RESOURCES 8,000 6,60 90,000 83,55 6,000 4,000,000 0,000 18,000 0,97,879 80,000 70,000 60,000 53,498 64,36 16,000 14,000 Sep'10 Sep'11 Sep'1 50,000 40,000 Sep'10 Sep'11 Sep'1 CASA Deposits Total Deposits Bank has witnessed CAGR of 1.78% in CASA Deposits over last two years Bank has witnessed CAGR of 4.97% in Total Deposits over last two years 8

9 9 ADVANCES [` cr] March 1 Sept 11 Sept 1 Gross Advances [Growth %] Priority Sector [6.56] [17.95] [37.83] [Growth %] [4.60] [4.57] [41.43] Direct Agriculture [Growth% ] [35.35] [-11.78] [0.67] MSME [Growth %] [.] [16.85] [36.16] Retail [Growth %] [18.68] [18.48] [13.91] CD Ratio [%]

10 10 ADVANCES 70,000 60,000 50,000 40,000 30,000 36,541 43,100 59,406 0,000 Sep'10 Sep'11 Sep'1 Advances Bank has witnessed CAGR of 7.50% in Advances over last two years.

11 TREASURY [` cr] March 1 Sept 11 Sept 1 Growth over Sept 11 [%] SLR Investments Non-SLR Investments [11.08] Total Investments Of which HFT [0.70%] [.6%] 494. [1.8%] 0.79 AFS [19.6%] [0.%] [1.95%] HTM [79.67%] [77.5%] [76.3%] 3.04 AFS / HFT Duration [Modified] Portfolio Duration [Modified]

1 BUSINESS MIX [` cr] Sept 10 Sept 11 Sept 1 Business Mix per Employee Business Mix per Branch 8.74 10.89 1.88 77.6 89.37 107.

12 1 BUSINESS MIX [` cr] Sept 10 Sept 11 Sept 1 Business Mix per Employee Business Mix per Branch Sep'10 Sep'11 Sep' Sep'10 Sep'11 Sep'1 Business Mix / Employee Business Mix / Branch

13 ASSET QUALITY [` cr] March 1 Sept 11 Sept 1 Gross NPA Net NPA Gross NPA Ratio [%] Net NPA Ratio [%] NPA Provision Provision Coverage Ratio [PCR] [Incl Technical Write Off]

14 ASSET QUALITY [` cr] Full Year Quarter Half Year March 1 Sept 11 Sept 1 Sept 11 Sept 1 Gross NPA Opening Balance Less: Cash recoveries Up gradations Write off Total Reductions Add: Slippage & Debit Operations Closing Balance Recovery in w/o A/c

15 CAPITAL ADEQUACY [` cr] March 1 Sept 11 Sept 1 Tier I Capital Tier II Capital Total Capital Funds Total RWAs CRAR Basel II CRAR Core Basel II CRAR Basel I Net Worth

16 HEAD ROOM AVAILABLE March 1 Sept 1 HEAD ROOM Tier I Equity Capital Perpetual Debt [IPDI] [` cr] PNCPS Total Head Room Tier I HEAD ROOM Tier II Upper Tier II Bonds Lower Tier II Bonds Total Head Room Tier II Total Head Room Available During Quarter ended June-1 Bank had raised Lower Tier II Bonds of `850 cr. 16

17 17 FINANCIAL RATIOS Full Year Quarter Half Year March 1 Sept 11 Sept 1 Sept 11 Sept 1 Cost of Deposits [%] Yield on Advances [%] Yield on Investments [%] Cost Income Ratio [%] Return on Assets [%]

18 18 FINANCIAL RATIOS Full Year Quarter Half Year March 1 Sept 11 Sept 1 Sept 11 Sept 1 Earning Per Share ` [non-annualized] Return on Equity [%] [annualized] Profit Per Branch [in ` Lacs] [annualized] Profit Per Employee [in ` Lacs] [annualized] Book Value ` [Incl Revaluation Reserve]

19 SHARE HOLDING PATTERN 14.3 Share Capital No of Shares ` 350.06 cr 35.01 cr.70 0.

19 19 SHARE HOLDING PATTERN 14.3 Share Capital No of Shares ` cr cr Net Worth ` cr BV per Share ` cr Return on Equity 0.61 % [Annualized] DENA is part of BSE 500, BSE Midcap and BSE Sectoral [PSU] Govt of India Insurance Comp Mutual Funds/ Banks/ FIs FIIs Listed on BSE and NSE & in Indian Public NRIs & OCBs Corp Bodies Future and Options segment also.

20 0 DISTRIBUTION CHANNELS March 1 Sept 1 Branches Ext. Counters 1 7 ATMs Bank has opened 59 new branches during the Quarter and has 7 licences pending for opening of new branches. Bank plan to open 100 new branches during FY 01-13

21 STRATEGIES SKILL BUILDING: FOR CUSTOMER SATISFACTION & ENHANCED PRODUCTIVITY Bank has been imparting training to employees for improvement of their knowledge & skill. Such training programmers are conducted in-house and also through reputed institutes like NIBM, CAB and MDI etc. Bank is also nominating Officers for training programmes in different foreign locations. Bank has designed two special training programmes for Sub- Staff [Main Hoon Na] and Clerks [Dena Gaurav] to make them feel important in the progress and growth of the Bank. A special programme titled Professional Development of Women Employees has also been introduced. Bank has recruited 693 officers, 1090 clerks and 491 sub-staff during FY 01-13, out of which 91 Officers, 485 clerks and 349 Sub-staff have already joined the Bank. 1

22 STRATEGIES With the advancement of banking technology, Bank has kept pace by introducing state of the art products and services for its customers in the form of Internet banking, ATM, Mobile Banking, Phone Banking etc. During the current year the Bank has ambitious plan to expand the range of offerings through alternate delivery channels as under: - Utility Bill Payment through ATM and Mobile Banking. - Income Tax payments through ATM - Establishing call centre - Card less remittance through ATM - IMPS through USSD / using Bank IFSC - Issue of Gift & Travel Cards

23 3 STRATEGIES MSME has been identified as one of the growth engines for increasing credit portfolio of the Bank. Central Processing Cells are set-up in all the 1 Regional offices for speedy processing of MSME proposals. Interest rates on MSME advances are also significantly reduced to make it competitive. Bank has also entered into tie-up with different auto manufacturers for financing of 3 wheelers. The Bank is having 95 specialized MSME Branches for better servicing to MSME Sector. Bank has also formulated Line of Credit facility [Open Composite Facility] and also Joint Origination Policy for increasing MSME financing. Bank has appointed IDBI Intech [a PSU owned by IDBI] to suggest strategies and assist in the implementation of Business Processing Re-engineering exercise.

24 4 FINANCIAL INCLUSION The Bank has successfully implemented Financial Inclusion Plan for providing banking services in 730 villages, with population above 000 allocated to it. Apart from this, 43 villages, with population below 000 out of the allotted target of 833 villages have also been covered. Bank has set up Ultra Small Branches in 683 villages, which are serviced through Business Correspondent Model. Remaining 47 Villages are provided banking services through full fledged branches.

25 5 FINANCIAL INCLUSION Bank has opened lacs No Frills Account till 30th Sept 01 against target of 1 lacs for FY Out of this, In-built Over Draft Facility has been extended in 7.56 lac No Frill Accounts. Similarly Bank has embarked upon urban financial inclusion plan for providing banking services to urban poor, slum dwellers and other inhabitants including migrant workers & Street Vendors /hawkers in select urban areas in the state of Gujarat. So far 0 kiosks have been set up & Bank has plan to set up 100 Kiosks in urban areas during FY

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