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A udited

Analyst Meet. A udited. F inancial. R esults. for the year ended 31st March 2009. KEY INDICATORS. KEY INDICATORS. KEY INDICATORS. NET INTEREST INCOME. NON INTEREST INCOME. OPERATING EXPENSES. PROVISION & CONTINGENCIES. RESOURCES. RESOURCES. DEPLOYMENT. TREASURY. DEPLOYMENT.

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A udited

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  1. Analyst Meet Audited Financial Results • for the year ended 31st March 2009

  2. KEY INDICATORS

  3. KEY INDICATORS

  4. KEY INDICATORS

  5. NET INTEREST INCOME

  6. NON INTEREST INCOME

  7. OPERATING EXPENSES

  8. PROVISION & CONTINGENCIES

  9. RESOURCES

  10. RESOURCES

  11. DEPLOYMENT

  12. TREASURY

  13. DEPLOYMENT

  14. CAPITAL ADEQUACY

  15. ASSET QUALITY

  16. ASSET QUALITY

  17. ASSET QUALITY

  18. FINANCIAL RATIOS [cost/yield]

  19. FINANCIAL RATIOS

  20. FINANCIAL RATIOS

  21. FINANCIAL RATIOS

  22. NEW INITIATIVES AND THRUST • The Bank has opened 26 new branches taking the total number of branches to 1184. The Bank is further planning to open 100 new branches during the year. • During the year 50 branches had obtained ISO 9001:2000 certification increasing the tally of ISO certified branches to 337. • The Bank has entered into a co-branding tie up arrangement for issuance of Credit Card with State Bank of India.

  23. NEW INITIATIVES AND THRUST • The Bank in its pursuit of lending to Corporate / SME is planning to open four Corporate Business Branches [CBBs] in Metro cities. • The Bank in its continuous endeavour of providing better customer service has constituted a Standing Committee on Customer Service headed by the Chairman & Managing Director. • The Bank is in the process of centralising all its back-office operations to enable branches to be more customer centric and growth oriented.

  24. NEW INITIATIVES AND THRUST— Technology • Dena Garima – Bank’s Core Banking initiative gained momentum with rolling out of 498 branches during the year 2008-2009, taking the tally to 606 branches covering 293 centers and 26 states / union territories. As on date 654 branches are under Core Banking. • All the branches of the Bank are computerized and 99.80% of Bank’s business is conducted through technology based solutions. • A total of 387 ATMs have been installed as on 31st March 2009 all over the country. Out of these ATMs, 284 are Onsite and 103 are Offsite covering more than 260 centers. • The Bank has launched Dena International Gold Debit Card to NHI customers with Visa affiliation. • The Bank is offering host of other techno enabled products viz. Mobile banking, Tele banking, Dena Billpay, e-payment of indirect Taxes and RTGS/ NEFT etc.

  25. NEW INITIATIVES AND THRUST— Priority Lending • The Bank has tied up with Life Insurance Corporation for providing life insurance cover to tractor loan accountholders under Mortgage Redemption Insurance Scheme. • Bank has tied up with National Bulk Handling Corporation (NHBC) for providing financial assistance to farmers and others against pledge of warehouse receipts issued by NHBC. • Bank has opened Credit Counseling Center at Himatnagar, Palanpur, Mehsana, Bhuj in the state of Gujarat and Silvassa in the UT of Dadra & Nagar Haveli. • The Bank had facilitated formation of 289 new farmers club during the year taking the total no. of farmers club at 1276. Dena Singhali Farmers Club promoted by our Mahuda Branch of Kheda Dist in Gujarat has received the National Award from the Hon’ble Union Finance Minister as the best performing Farmers Club in Gujarat

  26. NEW INITIATIVES AND THRUST— Human Resources Development • Recruitment process for 553 officers (including specialist officers) for the year 2008-09 was completed in the last week of Dec’ 08. • Written Test for 1289 clerical cadre post was held on 8th March, 2009 at 11 centers across the country. Result of the same is likely to be declared in the month of Apr/May 2009. • 1522 employees have undergone training during Jan-Mar’09 in various thrust areas like Credit, CBS, Retail, NPA, SME, HR etc. at both in-house through STCs/DIIT/Sir SPBTC and through outside training agencies (both in India & Abroad). • Bank ensures to provide training to all employees to update and sharpen their skills. • Bank recognises the efforts of outstanding achievers and encourages by suitable awards.

  27. NEW INITIATIVES AND THRUST— Corporate Social Responsibility • The Bank has set up Rural Development & Self Employment Training Institute [RUDSETIs] at Himmat Nagar, Bhuj & Mehsana for imparting training to unemployed rural youth & women. Over 3530 rural youth/women have already been imparted training by these RUDSETIs. • The Bank is continuing to sponsor education og girl students in the villages served by the Bank under Laxmi Shiksha Protsahan Yojana and so far provided scholarships to 1603 girl students under the scheme. • Under the Agriculture Debt Waiver & Debt Relief Scheme 2008, the bank has granted debt waiver of Rs.76.94 crore covering 27547 farmers. Further, Bank has provided debt relief of Rs.52.28 crore benefitting 20212 farmers.

  28. Thank You

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