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DENA BANK WELCOMES YOU AT ANALYST MEET 31 ST OCTOBER 2011

DENA BANK WELCOMES YOU AT ANALYST MEET 31 ST OCTOBER 2011. Un - Audited [Reviewed] Quarterly/ Half Yearly Financial Results For September 30, 2011. KEY INDICATORS. NET INTEREST INCOME. NET INTEREST INCOME. NET INTEREST MARGIN. NON INTERST INCOME.

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DENA BANK WELCOMES YOU AT ANALYST MEET 31 ST OCTOBER 2011

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  1. DENA BANK WELCOMES YOU AT ANALYST MEET 31ST OCTOBER 2011 Un - Audited [Reviewed] Quarterly/ Half Yearly Financial Results For September 30, 2011

  2. KEY INDICATORS

  3. NET INTEREST INCOME

  4. NET INTEREST INCOME

  5. NET INTEREST MARGIN

  6. NON INTERST INCOME

  7. PROVISIONS & CONTINGENCIES

  8. RESOURCES/ DEPLOYMENT

  9. RESOURCES Bank has witnessed CAGR of 19.16% in CASA Deposits over last two years. Bank has witnessed CAGR of 19.14% in Total Deposits over last two years.

  10. ADVANCES

  11. TREASURY

  12. BUSINESS MIX

  13. ASSET QUALITY

  14. ASSET QUALITY

  15. ASSETS QUALITY

  16. CAPITAL ADEQUACY

  17. FINANCIAL RATIOS

  18. SHARE HOLDING PATTERN • Share Capital ` 333.39 cr • No. of Shares 33.34 cr • Net worth ` 3737.34 cr • B. V. per share ` 117.82 • Return on Equity 21.56% • (annualised) • DENA is a Part of BSE 500, BSE Midcap, BSE Sectoral [PSU] indices, United Stock Exchange • Listed on BSE and NSE & in ‘Future and Options’ segment also.

  19. DISTRIBUTION CHANNEL Bank is planning to open 100 new Branches in Current Financial Year. Besides this, Bank is also planning to open 58 branches especially for Financial Inclusion Plan. Bank is planning to reach the figure of 757 ATMs by March 2012.

  20. STRATEGIES • SKILL BUILDING : FOR CUSTOMER SATISFACTION & ENHANCED PRODUCTIVITY • Bank has been imparting training to employees as an ongoing process for development and improvement of their knowledge, skill, business confidence. It also keeps them abreast of the latest trends in Banking Industry. These Training programmes are conducted in house and also through other reputed institutes like NIBM, CAB, BTC, ASCI, MDI, JNIDB etc. • Recruitment of fresh talent – Bank has completed the recruitment process of 564 officers (including campus recruitment) in the area of Credit, Agriculture & Forex and also POs. The recruitment of 600 clerks is in process and is expected to complete shortly. • Customer centric grooming of frontline staff. Along with intensive two months’ training programme on credit to create an effective cadre of credit officer, Bank is also re-orienting the frontline staff for better customer service through an in-house programme namely S.M.I.L.E. (Smart, Motivated Intelligent for Leveraging the Emerging Market).

  21. STRATEGIES • Bank has posted FOUR additional Operational General Managers in each Metro Centre for Business Development and to reduce the Response Time on Credit Decisions at Field level. • Bank is planning to open 100 new branches during the current financial year for which necessary RBI/Board approval is in place. Besides this, Bank is also planning to open additional 58 branches for effective implementation and monitoring of entire financial inclusion exercise. • Bank is on the path of transformation through effective use of technology. Bank has already achieved 100% CBS, while constitution of centralized back office function has relieved frontline staff for business development.

  22. STRATEGIES • Bank has identified Agriculture, MSME and Retail as thrust areas for lending. To have a focused attention on these areas of lending, Bank has given exclusive charge of MSME and Retail to One General Manager and Priority Sector to another General Manager. • Through ATM sharing agreement, Bank has enabled itself with more than 70,000 access points. Bank has already opened 507 ATMs of its own and targeting to take the total number of ATMs to 757 by March 2012. • Bank will continue to make intense effort for increasing the CASA Deposits through targeting high value customers and by increasing the clientele base by 20%.

  23. Thank You !

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