PROFILE

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PROFILE

• 70 Yrs of banking - Founded on 26th May, 1938 as
  Devkaran Nanjee Banking Company Ltd.
• Rechristened as The Dena Bank Ltd in Dec66
• Nationalized on 19th July, 1969 - rechristened as
  Dena Bank
• Professional Board of Directors consisting of
  Banking Professionals, Eminent academicians,
  Qualified Chartered Accountants, etc. including
  shareholder Directors
• Two whole time Directors Chairman Managing
  Director Executive Director
• Well diversified stable customer base (8 Million)
  supported by wide branch network
• Mid size Bank with Branch concentration in
  Industrially developed vibrant Western India
  Financial Hub of the country
• Initial Public Offer in 1996 Follow on Issue in
  2005
• Govt of India Stake at 51.19

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FORERUNNERS IN

• Savings Deposit Scheme for MINORS
• KRISHI SAKH PATRA (Credit Card) for Farmers in
  rural India in 1989
• First FULLY COMPUTERISED BRANCH in PSU Banks
  (1991) Nepean Sea Road, Mumbai
• First DRIVE-IN-ATM in Banking Industry in India
  (1996) Juhu Vile-Parle, Mumbai (Bombay)
• Specialized Training Institute for Computer
  Literacy Dena Institute of Information
  Technology (DIIT), Mumbai (1997)
• Customer Service Rating of Branches.

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SNAPSHOT
Snap Shot as at 31st March 08
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KEY INDICATORS
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KEY INDICATORS
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NET INTEREST INCOME
includes interest on income-tax refund of
Rs.21.56 crore for the year 2006-07 Rs.10.08
for the year 2007-08
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NON INTEREST INCOME
includes commission income of Rs.16.93 crore
due to change in accounting policy includes
Rs.69.66 crore recoveries on account of sale of
NPA assets.
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OPERATING EXPENSES
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PROVISION CONTINGENCIES
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RESOURCES
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RESOURCES
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DEPLOYMENT
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DEPLOYMENT
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INVESTMENT
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CAPITAL ADEQUACY
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ASSET QUALITY
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ASSET QUALITY

• Gross NPA brought down to below 2.5 (i.e. 2.45)
  
• Net NPA brought down to below 1 (i.e. 0.94)
• NPA Provision Coverage Ratio increased from
  50.05 to 60.71
• Aggressive efforts on Recovery in NPAs Written
  off A/cs through action under SARFAESI One Time
  Settlements

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ASSET QUALITY
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FINANCIAL RATIOS cost/yield
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FINANCIAL RATIOS
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FINANCIAL RATIOS
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FINANCIAL RATIOS
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• ATMs 316 ATMs installed with additional access
  to over 20,000 ATMs through various tie-up
  arrangements for benefit of the Banks ATM
  cardholders.
• Dena International Gold debit Card to HNI
  customer with VISA affiliation
• Dena I Connect the internet banking services
  for customer of its CBS Branches, to access their
  account information through internet in the form
  of a) Balance inquiry, b) Mini Statement (last 10
  transactions), c) Detailed Statement of accounts,
  d) Cheque book inquiry, e) Cheque Stop request,
  f) Direct Tax e payment, g) Fund Transfer (self),
  h) Outward cheque inquiry etc.

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• Dena Recurring Depositors Insurance Scheme
• Tie-up arrangement with Life Insurance
  Corporation of India.
• Life insurance cover to Recurring Deposit account
  holder to the extent of the Maturity value of the
  Recurring Deposit, against risk of death during
  the tenure of Recurring Deposit, by paying a
  nominal annual Insurance premium.
• Full maturity value of Recurring Deposit in all
  cases of unfortunate death of depositor during
  the period of RD to family / dependants of
  depositor.
• Dena Tractor Borrowers Life Insurance Scheme
• Life insurance cover to Tractor loan borrowers to
  the extent of outstanding loan against risk of
  death during tenure of loan.
• In case of unfortunate death of Tractor Loan
  Borrower during currency of loan, LIC will settle
  the claim to liquidate outstanding loan amount.

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NEW INITIATIVES AND THRUST

• Expanding Outreach
• 25 new Branches were opened during the year
  including the first foot print in the state of
  Himachal Pradesh, thus increasing the total
  number of branches from 1135 to 1160
• 62 more branches were awarded ISO Certification
  during the year, taking the total tally of ISO
  Certified Branches to 287

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NEW INITIATIVES AND THRUST

• Technology
• The Bank rolled out 93 branches during the year
  2007-08, taking the total CBS branches to108
  covering 50 centers and 22 states. With this, 55
  of Banks business is covered under CBS.
• Bank has set up its own network DENANET using
  651 leased lines, 253 ISDN lines, 26 V-SATs and
  598 Dial up lines connecting 1068 branches and 36
  administrative offices spread over 300 centers
• 47 New ATMs were installed during the year 2007 -
  2008, taking the total tally to 316 ATMs across
  142 centers, of which 49 were at off-site
  locations
• As a part of financial inclusion, the ATM
  facility is extended to illiterate customer by
  installing 2 Bio-metrics ATMs, which can be
  operated by thumb impression of customers.

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NEW INITIATIVES AND THRUST

• Technology
• The Bank has ATM sharing arrangement with SBI,
  Corporation Bank, through CASHTREE, VISA, CASHNET
  NFS tie ups, enabling more than 20000 ATM
  access points more than 3.50 lacs Merchant
  Establishments (MEs) in India and more than 1
  million ATMs 24 million MEs abroad, to banks
  customers International Debit / ATM Card base
  stood at aprox. 6 lacs
• The Bank has number of value added services
  through the ATMs i.e. Mobile Pre-paid Top-Ups
  Post paid bill payment etc. Debit card customer
  can also pay through internet
• The bank is offering host of other techno enable
  products i.e. Mobile Banking, Tele banking, Dena
  Bill Pay, E- payment of indirect taxes and RTGS /
  NEFT etc

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NEW INITIATIVES AND THRUST

• Human Resources Development
• Major initiative taken on building Leadership
  Skills across cadres
• Engaged the services of a consultant of repute to
  advise on the strategies for repositioning of the
  Bank
• 255 new officers inducted during the year, to
  infuse young and specialised talent in different
  specialised areas viz. Credit, IT, Marketing,
  Agriculture and Treasury etc.
• Further recruitment of 649 Officers, 649 Clerks
  and 159 sub-staff proposed for the year 2008-09.
• Continuing with the process of customer-centric
  grooming of frontline staff at the branches.

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NEW INITIATIVES AND THRUST

• Garnering Fee Based Income
• Tie-up arrangement with 3 more Mutual funds
  during the year in addition to existing 8, thus
  providing a bountiful basket of varied products
  from the leading mutual funds viz. UTI, ICICI
  Pru, LIC, Franklin Templeton, HDFC, Reliance,
  ING, Kotak Mutual, TATA AIG, Birla Sunlife, SBI
  Mutual Fund, for selling their products
• Tie-up with LIC for selling Life Insurance
  Products and entered into a referral arrangement
  with Oriental Insurance for Non-life products.
  During the year two new products i.e. Oriental
  Health Royal Medi-Claim Scheme Personal
  Accident policy, were launched
• Introduced Dena Grah Swami Suraksha Yojna in
  association with LIC to provide Loan linked Life
  Insurance Cover to a Housing Loan Borrower during
  the currency of a the Loan
• Facility of franking of stamps extended beyond
  Mumbai at 11 more branches at New Delhi and in
  the state of Rajasthan
• Rupee Drawing Arrangement with UAE Exchange for
  inward remittances of NRI funds similar to
  existing arrangements with Western Union Money
  Times of Money.

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NEW INITIATIVES AND THRUST

• Priority Lending
• Collaborated with Gujarat Green Revolution Co Ltd
  for promoting lending under Micro Irrigation
  Scheme Drip Sprinkler Irrigation
• Dena Swachha Gram Yojna, a scheme to provide
  collateral free finance for construction of
  Toilets / Bathrooms in rural areas
• Dena Paryavaran Suraksha Yojna, a scheme to
  finance auto rickshaw owners for acquiring /
  fitting CNG / LPG gas kit in old auto rickshaws,
  to curb environmental air pollution. The Bank
  has so far financed 900 such auto rickshaw
  owners, thus contributing to a safer environment,
  in a subtle way
• Tie up with NBHC for financing to farmers and
  others against pledge of godown receipts.
• MoU signed with M/S Zero Microfinance Saving
  Support Foundation as Service provider and with
  M/S A Little World As technology provider for the
  financial inclusion in 2 districts of Gujarat
  covering 135 villa

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NEW INITIATIVES AND THRUST

• Corporate Social Responsibility
• Continues to sponsor One Girl Child at each of
  the villages in its command area of operation in
  the state of Gujarat, for pursuing secondary
  education under the scheme Dena Shiksha Protsahan
  Yojana, and 521 scholarship have been provided
  under the scheme so far
• Adopted 51 villages in the State of Gujarat for
  all round development
• Sponsored 2 RUDSETIs at Mehsana Bhuj in the
  state of Gujarat to provide training to rural
  youth and women enabling them acquire skills for
  self-employment. More than 2864 rural youth
  trained so far
• Pro-actively promoting the Innovators with need
  based collateral free financing

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NEW INITIATIVES AND THRUST

• Road Map ahead
• Plans to open at least 26 new branches and 12
  Retail Asset Centres during the current year
• 342 more Branches are planned to be rolled out
  under CBS during FY 2008-09 thus, covering 74 of
  the Banks business
• To expand outreach and facilitate rural centres
  with a greater number of bio-metric ATMs
• New avenues of fee based income viz. tie ups with
  more mutual funds / exchange houses etc.
• Committed to reposition itself as a robust medium
  sized Bank with strong fundamentals
• Plans to expand Depository business and other
  related services.

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Thank You