DENA BANK HEAD OFFICE : MAKER TOWERS 'E', CUFFE PARADE MUMBAI : 400 005
UNAUDITED FINANCIAL RESULTS FOR THE PERIOD ENDED 30th DECEMBER, 2003
Rs in Lacs
Quarter ended 31.12.2003
Quarter ended 31.12.2002
Nine Months ended 31.12.2003
Nine Months ended 31.12.2002
Previous Year ended 31.03.2003
1
Interest Earned (a + b + c + d)
44444
42286
131239
127194
177229
a) Interest/Discount on advances/bills
20400
20216
62088
60648
87240
b) Income on Investments
22446
20393
65221
61877
83635
c) Interest on balances with Reserve Bank of India and Other Inter Bank Funds
1045
1251
3374
3396
4508
d) Others
553
426
556
1273
1846
2
Other Income
14023
10922
42149
27144
43700
A
TOTAL INCOME (1 + 2)
58467
53208
173388
154338
220929
3
Interest Expended
27874
30619
86247
90894
120419
4
Operating Expenses (e + f)
12001
12104
35711
36424
51127
e) Payments to and provisions for employees
8009
8732
23861
26577
36603
f) Other operating expenses
3992
3372
11850
9847
14524
B
TOTAL EXPENDITURE (3 + 4 ) (excluding Provisions and contingencies)
39875
42723
121958
127318
171546
C
OPERATING PROFIT (A - B) ( Profit before Provisions & contingencies)
18592
10485
51430
27020
49383
D
Provisions and Contingencies
8007
6200
25144
19102
32955
- of which provisions for NPAs
7076
6004
19947
16536
26968
E
Provisions for Taxes
3400
1781
9075
4215
5009
F
Net Profit ( C - D - E )
7185
2504
17211
3703
11419
5
Paid-up equity share capital
20682
20682
20682
20682
20682
6
Reserves excluding revaluation reserves ( as per balance sheet of previous accounting year)
65690
(Excluding debit balance in profit & loss account)
(35234)
7
Analytical Ratios
i) Percentage of Shares held by Government of India
70.99
70.99
70.99
70.99
70.99
ii) Capital Adequacy ratio %
8.64
7.85
8.64
7.85
6.02
iii) Earning per share (Basic & Diluted) -annualised Rs
13.90
4.84
11.10
2.39
5.52
iv) a. Amount of gross non-performing assets
166242
175875
166242
175875
161658
b. Amount of net non performing assets
102605
103521
102605
103521
99728
c. %age of gross NPAs
17.65
20.70
17.65
20.70
17.86
d. %age of net NPAs
11.67
13.32
11.67
13.32
11.83
v) Return on Assets (Annualised)%
1.36
0.52
1.11
0.26
0.57
8
Aggregate of Non-Promoter Share holding
i) Number of shares
60003200
60003200
60003200
60003200
60003200
ii) Percentage of share holding
29.01
29.01
29.01
29.01
29.01
SEGMENT WISE RESULTS
Rs in Crores
Business Segments
Treasury Other Banking Operations Total
Particulars
Quarter ended 31.12.03
9 Months ended 31.12.03
Previous Year ended 31.03.03
Quarter ended 31.12.03
9 Months ended 31.12.03
Previous Year ended 31.03.03
Quarter ended 30.09.03
9 Months ended 31.12.03
Previous Year ended 31.03.03
(Reviewed)
(Audited)
(Reviewed)
(Audited)
(Reviewed)
(Audited)
Revenue
173.19
473.13
502.12
405.94
1,255.28
1,685.17
579.13
1,728.41
2,187.29
Results
91.74
178.31
152.96
29.95
143.65
141.09
121.69
321.96
294.05
Unallocated expenses
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
20.21
61.34
126.98
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
Operating Profit (Net Profit before Tax)
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
101.48
260.62
167.07
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
Income Taxes (including DTA)
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
38.10
93.98
74.88
Extraordinary Profit / Loss (unallocated income)
x
x
x
x
x
x
5.47
5.48
22.00
Net Profit
x
x
x
x
x
x
71.85
172.10
114.19
OTHER INFORMATION
Segment Assets
5,341.25
5,341.25
4,079.41
15,428.89
15,428.89
14,987.10
20,770.14
20,770.14
19,066.51
Unallocated Assets
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
681.24
681.24
743.11
Total Assets
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
21,451.38
21,451.38
19,809.62
Segment Liabilities
42.41
42.41
30.89
20,256.48
20,256.48
18,879.81
20,298.89
20,298.89
18,910.70
Unallocated Liability
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
1,152.49
1,152.49
898.92
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
Total Liabilities
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
xxxxx
21,451.38
21,451.38
19,809.62
The Bank does not have any secondary (geographical) segment. Figures for the corresponding previous periods are not furnished, as the reporting was not applicable.
Notes : 1. Corresponding figures have been regrouped/ reclassified, wherever necessary, to make them comparable with current results.
2. The working results for the period ended 31.12.2003, have been arrived at after considering provision for (i) NPAs & Standard Assets (including adhoc provision for proposed 90 days norms) (ii) first time floating provision of Rs 20 crores for NPAs (iii) terminal benefits to employees (iv) diminution in the value of investments (v) amortisation of VRS expenditure (vi) Leave encashment payable to employees on retirement , on estimated basis.
3. Capital Adequacy Ratio of the Bank as on 31st March 2003 and 31st December 2003 is calculated in conformity with RBI guidelines issued vide circular dated 29th March 2003. Capital Adequacy Ratio as on 31st December 2002 if recalculated, as per subsequent RBI guidelines dated 29th March 2003, it would have been at 4.22%.
4. Reconciliation of entries outstanding as on 31.12.2003 in Inter Bank/ Inter Branch and other accounts are in progress and in the opinion of the management, consequential impact thereof on revenue/assets/liabilities is not material.
5. The position of Investors complaints for the quarter ended 31.12.2003 is : Complaints pending at the beginning of quarter - Nil, received & disposed off during the quarter - 56, pending at the end of quarter - NIL
6. The above results have been taken on record by the Board of Directors on 27th January 2004
7. The above results for the quarter ended December 2003 have been reviewed by the auditors of the Bank.
इस पृष्ठ को ईमेल करे
प्रिंट 
