REVIEWED FII{AINCtAL RESULTS

30 09 1
Reviewed

lnterest earne( (a+b+c+d)

a) Interest /l

discount

on

advances/bills
Income on rvestment
(c) Interest on lbalances with
Reserve Bank of India and t rner
lnter Bank funds
Others
Other income

4
q

I
6

v
10
11
L2

13

Total income L+21

Interest expentled
oeratino exo nses (i)+(ii)
(i) Employees ost
(ii)Other opera tno exoenses
Total expenclitlire (4+5)

Extraordinary ltems (net of tl

cvnenqal

L4

Net Profit+)/Lclss(-) for the

16

JU.Ub..r5

30.09.14

Reviewed

Reviewed

30.09.15
Reviewed

JU u9 I4
Reviewed

31.03.15
Audited

27 61176

270586

544908

s38602

1076349

196968

203 r2 1

200837

400089

400278

797030

63339

66019

62934

i29358

L26226

254L92

1510

1:t46

t244

3056

1,767

4425

6:t90

5:t71
17936

10331

20702
72L33

6215
19176

r4rtl
29L'+87
214D57

288522

56583
369r.8
19665

54r300

48s38

3srt56
'.244

29686
18852

33787
578695
416399
1 1 1383
72474
38909

258925

2681857

256640

28283

221630

28352

32,475

tz

I60l
3945

32378

Lt48482

4L4922

34r5

831562
183892
1 11668
72224

527782

507723

1015454

31882

50913

63257

133028

3|t22

60827

54328

726262

208102

92801
58648

(98145)

.160

(9914)

8929

6766

13i61

(4798)

rs306)

4381

r9782)

3876

1516

5t 58

5392

13310

26548

3876

1516

5158

5392

13310

26548

64525

561 15

s3782

64525

53782

56115

NA

NA

NA

NA

NA

6tr428

65.00

59.75

58.01

65.00

58.01

59.75

12.03

11.62
10.81

eriocl

(12-13)
15

ended

268032

202342

(Excluding pro\f isions ancl

continoencies)
Operating Proflt (3 - 6)
(Profit before provisions and
continoencies)
Provisions (othtr than tax) 6
Cnntinoencies
Exceotional lt( ns
Profit (+)/Loss [-) from Ordir try
Activities before tax (7- 8 - t
Tax Expense
et Profit (+)/tfoss (-) from
rdinary activi[ies after tax (:r0 11)

Year

Half Year ended

Quarterr ended

Paid up equity share capital

(Face value of fl0/ - oer she e)
Reserve exclirding Reval at|0n
Reserve (as ptir Balance 5h :ert of
orevious accoLlntinq vear)
Percentage of thares held b
Govt. of lndia
Capital Adequifcy Ratio%
lBasel -lll

lBasel-llll

tl.22

1..7 3

12.03

IL,73

rt,2l

10.99

TL.22

10,99

10.93

Earning per share (EPS) -Not

Annualised

a.

UaSIC 6. OllU[eo trH5 Deror

extraordinarY items (net o

exoense) for the oerioc b. Basic & dilutted EPS after
extraordinary items net of
exoense) for the perioo -

tax

t.

tex

0.69

0.27

0,96

0.96

2.47

4.94

0.69

0.27

0,96

0.96

2.47

4.94

528262

48tl07O

386 126

528262

386126

439304

26482t

34934:

26482E

301430

(a) Arnount of glross Non

Performing asgets

(b) Amount of Net Non Perfc nl ng

Assets
(c) Percentage of gross NPA to
qross advanceS
(d) Percentagel of Net NPAs r Net
aova nces

Return on Ass ts (Annualise

)%

34934!

323148

6.84

6.20

li.r2

6.84

5.r2

5.45

4.65

t|.24

3.59

4.65

3.59

3,82

0.13

0.05

cr,17

0,09

0,22

0.22

Page 1 ol'4

-Number of

shares (as

-Percentage

percentage of
of promoter a

shareholding

promoter groLrp)

shares (as

-Percentage

percentage of

share capital

(b) Non-en
- Number of

Percentage

percentage of
of promoter

Percentage

percentage of

of

shares (as

4193

3119

100%

100%

65.00%

58.0Lo/o

shareholding

promoter groLrp)

of

shares (as

share caoital

65.00%

59"75o/o

58.01%

59.75'%

SED B.AI.ANCE SHEET

As at 30.09,2014

As at 31.03.2015

IReviewedl

lAuditedl
561 15

725582

Cash and balanc

Balance with the

with Fleserve Bank of lndia

673777

555178

ks and mc,ney at call and

3251746

3276193

Advances

789343
1

163 18

810165

Page 2 of 4

lacs)

73L78
L42676

1s2 103
2853 16

L46726
290879

29E893

64766
7902

129248
L2028

I2L028
r2347

250919

4550
28426

( c) Retail

(d) Other

7553

(b) Corpor
Wholesale
Banking
(c) Retail
(d) Other

LT4I2

1117

190Cr)

136t1

6419

8498

6042

25034

16709

249:1

62Lt'

6956
9799

L5767
8368

48tltl

28379
28448
(6e)

44015

198:!9
296 tt tl
(98.4]s

172rl)

48208

46887

168s9

58722

37958

360

(e914)

8929

42s30r6

11361)
(a) Treasu
(b) Corpor
Wholesale
Banking
(c) Retail
(d) Other
Operation

I
king

ted Assets
Segment
(a) Tre

(b)Cor
Wholesale
Banking
(c) Retail
(d) Other
Operation
(e) Capital
(e) Unal
Liabilities

ployed

4253016

573319

25348

23769
17601

5L46352

4208l6i7',
529367 5

4110650
5062271.

146352

4110650
506227L

46L2447
5702015

2500459
216033

2431615

243224ei

2500459

2432246

43t43

2307 n90

16033

201 109

t0723L

43L43i

80356

10061

277820

201 I 09

277820

290(r46

4253016

4208767

4110650

4253016

4110650

4612441

4877 427

s001875

4757303

4877427

4757303

5378547

227572L

2246730

81834

2243349

10958i6

34510

227572181834

2243349
34510

2L32776

790108
38863

7455211

727559

38863

52759

790108
38863

727559
52759

7440L3

Bank'does not have anyVecoi:il;ty

Gteog,ffi

Page

47888
76383

NOTES:

1.

The

Bank

2.

financial results were reviewed by the Audit Committee and approved by the

of Directors at its meeting held on 07.1't .2015, The same have been reviewed by
Statu
Central Auditors of the Bank, in line urith the directions issued by the Reserve
The
as

India and as per the requirement of listing agreement rvith Stock Exchanges.
cial results have been prepared following generally the same Accounting Policies
follc,wed in preparation of financial statements for the year ended 31st March

2015,

3.

The

4
5.

Coverage Riatio is 53,L2o/o as on 30tn lierptember 2015i.

Asa
Bank

in

6.

results for the quarter/half year ernded 30rn September 2015, have been
Performing /\ssets, Standard Assets,
Assets, and Depreciation / Provision for Investments on the basis of
rl norms and specific Auidelines issued by RBL Provision for Taxes, Employee
and Other Provisions for Contingencies have been consridered on estimated basis.

at after considering Provision for Non

le

In
15.01
03,06

by RBI vide circular no. DBR,BP.27/21.04/04812015-16 dated 1G.07.2015,

included its deposits placed with NABAFiD/SIDBI and t\HB on account of shortfall

to priorit/ Sector under 'other ass,ets' which were earlier included under
nt", Interest income on these deposits has been included under,,interest

nce with RBI circular No. DUOD.BP,BC.85/21L.06.200/2013-14 Dated

20L4 and ttBl Circular No. DBOD.BP.BC.1L6/2L.06.200/2OL3-L4 Dated
14, rluring the quarter Bank has provided estmated liability of t 301 lacs on

ate basis during the quarter towards urrhedged foreign currency exposure to its
nts.

7.

8.

ancr: with IRBI circular DBOD No. BP.BC.2/2L.6.201/20L3-L4 dated July 01,
20t3, baDf,s iare reqLtired to make half yearly Pillar 3 disclosures under Basel III caoital
fmehts with elfect from September 30,20L3, The di:;closures are being made
l on the home page of Bank's website. lfhese disclosurers have not been subjected
to
by the Statutory Central Auditors of the Elank.
In

Out

total tax expenses for half year ended irr September 2C115, income tax proviosion
to t 5,504 Lacs was reversed during the June 2015 quarter after revewing the
rn macle in the books and crystillised inr:crme tax liability as per Tax Returns filed
Bank, pertainirrg to pending assessments,
n of Investors complaints for the quarter-ended 30th September 2015 is:

DA'TE

:7rn

,2tl'15

Page 4 of 4

Limited ReviewlReport
To
Thre Board

of Direr:tors

Dena Bank
Mumbai,

Introduction:
We have reviewed the acc
panying statement of urnaudited financial results of
Dena Bank for thre qua
alf year ended .lOth September 2015 except for the
disclosures regarding'pub ic Shareholding' and 'Promoter and promoter Group
Shiareholding' wlnich ha : been traced from rlisclosures made by the
Management ancil have
t been audited by Lts" This statement is the
res;ponsibility of the Ban('s l4anagement and has been approved by the Board of
Directors, Our re:pponsi$ili y' is to issue a report on these unaudited financial
statements based on our
ew.
Scope of Review:

in accordancr:r with the Standard on Review

lTeview of lnterim Financlal lnformation performed by
,iF the Entitl/' issued by the Institute
of Chartered
ttrndard requires that we ;olan and perform the review
c:e as to whether the financial statements are free of
A review of financial res
to financial data ihnd m
accounting mattefs. lt i
accordance with lthe g
which is the expression
a whole. Accordinc[ly, wr:

r:onsists principally of applying analytical procedures

r; enquiries of persons responsible for financial and
bstantially less in scope than an audit conducted in
rally accepted auditing :;tandards, the objective of
nr opinion regarding the firnancial statements taken as
not express an audit opirrion.

Thei accompanyinlg fin

branches reviewep by

arl results incorporate the relevant returns of Z0

5 branches reviewed b), us through Core Banking
vrith Management inputs and unreviewed returns in
In the conduct of our review, we have taken note of
ect of non-performing assets submitted by the
anches to the bank manragement, inspection teams
hes and other I'irms of auditors of NIL branches
is; purpose. These review reports cover 63.87o/o of the

Sys;tem of

the Balk

alo

respect of 1725 branch<

the review reports

in

concurrent auditorfs of :3
of the Bank of lNlL br
spercifically appointed fo
advances portfolio of

Bas;ed on our revi

AS

us to believe tha
prepared in a
norms issued by
asset classificati

the

information requi

to
g the

Agreement inclu
doYt

nce

eR

nk.

id, nothing has; come to our attention that causes

ompanying statennent of unaudited financial results
accounting standards irnd the relevant prudential
ve Bank of India in respect of income recognition,
ning and other related matters, has not disclosed the
disclosed in terms of clause 4L of the Listing
nner in which it i:; to be disclosed or that it contains

P1u1.tial mi

tri;Y

6,V

il'

(A
\et
i.=

. l'*

,#l

Enrphasis of Matt

draw attentio toN

55"04 cr pertaini gto
W(3

Our conclusion

otq

no. 8 regarding reversal of Income Tax Provision of

r years.
respect of above matter.

for,M/s Anand &

Chartered Acc

M/sSCAjmera&Co
ered Accountants

UWW
B Flariharan

Paftner
ltlo 207896
FR|N 0001115
M

Q;tfi--9

for'"M/sAPA5&

Partner
M I'lo 111980
FRr{

000340c

Pla,ce: Mumbai

Date: 07.11.2015

Pa

rtner

M No 078398
FRN 002908C

fonM/s lain & Jain

Chartered Accountants

fril;

Ajay B Jain
Partner
M No 110372
FRN 103869W