सितम्बर, २००३

DENA BANK
HEAD OFFICE : MAKER TOWERS 'E', CUFFE PARADE
MUMBAI : 400 005


UNAUDITED FINANCIAL RESULTS FOR THE
PERIOD ENDED 30th SEPTEMBER, 2003


       

Rs in Lacs

  
Quarter ended
Quarter ended
Half Year ended
Half Year ended
Previous Year
ended
 
  
30.09.2003
30.09.2002
30.09.2003
30.09.2002
31.03.2003
 
  
(Reviewed)
(Unaudited)
(Reviewed)
(Reviewed)
(Audited)
 
1
Interest Earned (a + b + c + d)
44032
42799
86795
84908
177229
 
        
 a) Interest/Discount o­n
advances/bills
20858
19999
41688
40432
87240
 
 b) Income o­n Investments
22000
21154
42775
41484
83635
 
 c) Interest o­n balances with
Reserve Bank of
1172
1223
2329
2145
4508
 
 India and Other Inter Bank
funds
      
 d) Others
2
423
3
847
1846
 
        
2
Other Income
17033
10630
28126
16222
43700
 
        
A
TOTAL INCOME (1 + 2)
61065
53429
114921
101130
220929
 
        
3
Interest Expended
29254
29481
58373
60275
120419
 
4
Operating Expenses (e + f)
12212
12897
23710
24320
51127
 
 e) Payments to and
provisions for employees
8030
9856
15852
17845
36603
 
 f) Other operating expenses
4182
3041
7858
6475
14524
 
        
B
TOTAL EXPENDITURE (3 +
4) (excluding Provisions and
contingencies)
41466
42378
82083
84595
171546
 
C
Provisions and Contingencies
8318
8168
17137
12902
32955
 
 - of which provisions for
NPAs
6405
5957
12871
10533
26968
 
        
E
Provisions for Taxes
4175
2037
5675
2434
5009
 
        
F
Net Profit ( C - D - E )
7106
846
10026
1199
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 %
8.09
7.71
8.09
7.71
6.02
 
 iii) Earning per share (Basic & Diluted) -annualised Rs
13.74
1.64
9.70
1.16
5.52
 
 iv) a. Amount of gross non-
performing assets
162716
183155
162716
183155
161658
 
 b. Amount of net non performing assets
99063
106244
99063
106244
99728
 
 c. %age of gross NPAs
17.99
21.82
17.99
21.82
17.86
 
 d. %age of net NPAs
11.76
13.93
11.76
13.93
11.83
 
 v) Return o­n Assets
(Annualised) %
1.38
0.18
0.99
0.13
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 Segment
Treasury
Other Banking Operations
Total
 Particulars
Quarter
Ended
30.09.2003
(Reviewed)
Previous Year
Ended
31.03.2003
(Audited
Quarter
Ended
30.09.2003
(Reviewed)

Previous Year Ended 31.03.2003 (Audited)

Quarter Ended 30.09.2003 (Reviewed)

Previous Year Ended 31.03.2003 (Audited)

Revenue

172.75

502.12

437.97

1,685.17

610.72

2,187.29

Result

44.79

152.96

90.34

141.09

135.13

294.05

Unallocated expenses

xxxxx

xxxxx

xxxxx

xxxxx

21.27

126.98

xxxxx

xxxxx

xxxxx

xxxxx

Operating Profit (Net Profit before Tax)

xxxxx

xxxxx

xxxxx

xxxxx

113.86

167.07

xxxxx

xxxxx

xxxxx

xxxxx

Income Taxes (including DTA)

xxxxx

xxxxx

xxxxx

xxxxx

42.80

74.88

Extraordinary Profit / Loss (unallocated income)

x

x

x

x

0.00

22.00

Net Profit

x

x

x

x

71.06

114.19

OTHER INFORMATION

Segment Assets

5,327.29

4,079.41

14,904.87

14,987.10

20,232.15

19,066.51

Unallocated Assets

xxxxx

xxxxx

xxxxx

xxxxx

706.36

743.11

xxxxx

xxxxx

xxxxx

xxxxx

Total Assets

xxxxx

xxxxx

xxxxx

xxxxx

20,938.51

19,809.62

Segment Liabilities

27.99

30.89

19,860.75

18,879.81

19,888.74

18,910.70

Unallocated Liability

xxxxx

xxxxx

xxxxx

xxxxx

1,049.77

898.92

xxxxx

xxxxx

xxxxx

xxxxx

Total Liabilities

xxxxx

xxxxx

xxxxx

xxxxx

20,938.51

19,809.62