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 [` cr] Quarter Growth (%) Half Year Growth (%) Sept 10Sept 11 Sept 10Sept 11 Net Profit Operating Profit Total Income Total Expenses Provision & Contingencies

NET INTEREST INCOME [` cr] Full YearQuarter Growth (%) Half Year Growth (%) Sept 10Sept 11 March 11Sept 10Sept 11 Interest Income Advances Investment Inter Bank Others Interest Expense Deposits Others Net Interest income [NII]

NET INTEREST INCOME [` cr] Full YearQuarterHalf Year March 11Sept 10Sept 11Sept 10Sept 11 Net Interest Income

NET INTEREST MARGIN [% ] Full YearQuarterHalf Year March 11Sept 10Sept 11Sept 10Sept 11 Net Interest Margin 3.17%3.52%3.22%3.17%3.06%

NON INTERST INCOME [` cr] Full Year Quarter Growth (%) Half Year Growth (%) Sept 10Sept 11 March 11 Sept 10Sept 11 Fee Based Income Core Profit from Sale of Securities (0.10) Recovery in Written off Advances Total Non Interest Income

PROVISIONS & CONTINGENCIES [` cr] Full YearQuarterHalf Year March 11Sept 10Sept 11Sept 10Sept 11 Provisions for NPA Tax Expense Investment Depreciation Standard Assets11.07(4.80) (1.03) FITL(4.78)(0.30) 1.97 (0.54) 2.24 NPV of Restructured Accounts (8.82)0.00 ADWDRS 2008(4.07) (4.07) 0.00 Other Provisions Total Provisions

RESOURCES/ DEPLOYMENT [` cr] Growth % CASA Deposits Term Deposits Aggregate Deposits CASA [%] Inter Bank Deposits TOTAL DEPOSITS Gross Advances 45,163 36,541 43,

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.

ADVANCES [` cr] Sept 10Sept 11 Gross Advances [Growth %] [26.43] [21.07] 43,100 [17.95] MSME [Growth %] 6784 [20.13] 5447 [5.71] 6,365 [16.85] Retail [Growth %] 6136 [14.05] 5,546 [17.95] 6,571 [18.48] CD Ratio [%]

TREASURY [` cr]March 11Sept 10Sept 11 Growth over Sept 10 (%) SLR Investments Non-SLR Investments Total Investments Of which HFT (2.98%) [2.10%] [2.26%] AFS (13.78%) [11.17%] [20.22%] HTM (83.24%) [86.73%] [77.52%] AFS / HFT Duration [Modified] Portfolio Duration [Modified]

BUSINESS MIX [` cr]Sept 09Sept 10Sept 11 Business Mix per Employee Business Mix per Branch

ASSET QUALITY [` cr] Gross NPA Net NPA Gross NPA Ratio [%] Net NPA Ratio [%] NPA Provision Provision Coverage Ratio [PCR] [Incl Technical Write Off]

ASSET QUALITY [` cr] Full YearQuarterHalf Year March 11Sept 10Sept 11Sept 10Sept 11 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

ASSETS QUALITY [` cr ] Full YearHalf Year March 11Sept 10Sept 11 Gross NPA

CAPITAL ADEQUACY [` cr] Tier I capital , Tier II capital , Total capital funds , Total RWAs , CRAR – Basel II CRAR Core – Basel II CRAR – Basel I

FINANCIAL RATIOS [` cr] Full YearQuarterHalf Year March 11Sept 10Sept 11Sept 10Sept 11 Cost of Deposits [%] Yield on Advances [%] Cost to Income [%] Return on Assets [%] [annualised] Return on Equity [%] Annualised] Earning Per Share ` [non – annualised]* Book Value ` [Incl Revaluation Reserve]

SHARE HOLDING PATTERN Share Capital ` cr No. of Shares cr Net worth ` cr B. V. per share ` 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.

DISTRIBUTION CHANNEL [` cr] March 11June 11Sept 11 Branches Ext. Counters 12 ATM 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.

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).

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.

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  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%.

March 11Sept 10Sept 11 Food Processing Textiles Chemicals and Chemical Products Basic Metal & Metal Products All Engineering Gems & Jewellery Construction Infrastructure Power Tele communication Roads & Ports Other Infra