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DENA BANK
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'
INVESIOR RELATIONS CENTRE : Dena Corporate Centre, C-10, 'G' Block, Bandra - Kurla Complex, Bandra (E), Mumbai - 400 051.
Tel:26545318/ 19 120. Fax:26545317. E-mail:irc@denabank.co.in/investorgrievance@denabank.co.in

Ref. No. HO ilRCD42201T February 10,2017

The Vice President - Listing Vice President - Listing

BSE Limited The National Stock Exchange of India
Phiroze Jeejeebhoy Towers, Limited,
Dalal Street, Exchange Plaza,
Mumbai - 400 001. Bandra-Kurla Complex, Bandra (East),
Mumbai - 400 051.

Dear Sir.

Re:

Pu.rsuant to Regulation 33 of SEBI (LODR) Regulations, 2015, we are pleased to

submit herewith Unau!-tj9d (Reviewed) Financial Results of the Bank for the quarter /
nine months ended 31sI December 2016, which are taken on record by the Board of
Directors of the Bank at its meeting held today at Mumbai

port, who have carried out

ended 31't December 2016

Press release in this regard is also being released to the press for publication in
terms of Regulation 47(1)(b) of the Regulation.

Thanking You.

Yours faithfully,
.)

Jothi Kalir/garaayan)
st. Generdl Manager
(tRc & BPR) &
.r Compliance Officer
ff
Encl: as'above
 REVIEWED FINANCIAT RESUTIS FOR IHE QUARTER/ NII{E MONIHS ENDED 3I sI DECEMBER 20I6
(T in locs)

3l .l 2.20t 5 3l .t 2.201 5 3t.03.20t 6

t eorned (o*b*c*d)
Inferesl /discounl on odvonres/ bills

Income on inveslment

Interesl 0n bolonces with Reserve Bunk of Indio ond other inler bonk

Tolol expenditure (4+5)

(ofher fhon lox) & (onlingencies

which provisions for l{on Performing Assels

Net Profit (+)/ Loss (-) from 0rdinory Activifies before lox (7- 8 - 9) (r5,r9r

ilet Profit (+)/ Loss (-) from 0rdinory Aclivilies ofler lox (l 0-l | )

[xlroordinory llems (net of fox

Nel Profit+)/ [os(-)for lhe period (12-13)

Poid up equity shore copilol (Foce volue of {l 0/ - per shore)

Reserve exduding Revoluotion Reserve (os per Bolonce 5heel ol

Percentoge of shores held by Govl. of Indio

b). Additionol Tier I Rolio

[orning per shore (tPS)-l{ol Annuolised

Before Exlroordinory ltems (nef of tox expense) for lhe period, for fhe

fo dole ond for lhe previous yeor [i

Afler fxfroordinory llems (net of lox expense) for the period, for the
lo dole ond for lhe previous yeor

Amount of Gross Non Performing Assels

Amount of Nel l.|on Performino Assets

Percenloge.of Gross NPAs lo Gross Advontes

of }.|el 1{PAs lo ilet odvonces

l
j t-

t',
e,,v
Ri.Ji I
i//AR
ffiD
Segment Wise Result

0uorter ended iline Months ended Yeor ended

Sr. No Pqrfitulors 3t.l 2.20t 6 30.09.20t 6 31.t2.2015 3l.l 2.20t 6 3l.l 2.201 5 31.03.201 6

IReviewed lReviewedl lReviewedl lReviewedl lfleviewedl lAudiredl

I Seqment Revenue
r). lreosury0perolions 109 87 93,70i 14,49" 29t,91\ 226,591 305,906

r). (orporofe/ Wholesole Bonking 114,92 tzt,201 r33,r 7t 373,23: 4l 8,49: 554,535

J. Reloil Bonkino 60,1 5: 59,671, 53,53( | 8r,03i t82,7tl 240,676

l). 0fher Bonkinq 0oerotions I 4,99, | 0,82: il02 35,85i 23,05i 35,r36
Income from 0perotions 299,951 291,413 272,223 882,099 850.9 r 8 r,r 36,253
2 iesmenl Result lProfit Before fox)
r). Ireosury0perolions 33 62 24,75i 20,s2! 69.84! 26,961 41,22t

r). [oroorole/ Wholesole Bonkino (r 2,0r I (r 8,756 (62,531 (59,02{ (37,508 (92,350

J. Retoil Bonkino (5 350 (5i8 fl 9.536 0,024 l2 586 (r4 769

l). ()lher Bonkino 0oerotions 9.65r 8.988 I 54" 26,671 r9 34r 29.534

folo 25.914 | 4,4t I (52,0001 30.471 13,t92 (36,3591

.ess: lJnolloroled Exoenses 28,001 29,60 26,45( 87.39( 84,511 I | 8,730

lofol Profif/ (Loss) belore Iox (2,087 fl5,19l t78.450 t56.9t 9 (88,364 fl 55.0891
lox Expenses (5,61 I fl0,759 (r 2,r 65 (28,083 (2t,4tl (6r,557

Net Profit 3,531 |.4,432 166,285 (28,836 (60,8931 (93,532

J Segment Assels
o). Treosury0Derolions 5,282,95" 4,858,51" 4,346,82! 5,282,95', 4,346,829 4,495,32!
b). [orporole/ Wholesole Bonkino 4,995,82 4,865,03 5,122,12t 4,995,82, 5,122,128 5,166,28'
r). Refoil Bonkins 2,325,391, 2,66t,601 2,785,00( 2,32s,391 2,785,00( 3.1 58,05(

d). Other Bonking 0perofions 345,83: lt4,l6l r0r.04( 345,83: | 0r,04t I 37,4 I

:). Unollocoled Assels 289.8t( {r 0.36; 335,891 289,81 335.89; 387,091

Tolol Assels 13.239,821 12,909,745 12,691,494 t3,239,82r 12,691,494 | 3.344.t 64

Sesment liobilities
t). Treosury0perolions 5,282,95" 4,858,57: 4,345,829 5 282 95 4,346,821 4,495,3r !

b). (orporote/ Wholesole Bonkino 4,871,93; 4.61 4.191. 4,955,61 4,871,93; 4,955,61 5,071,49',1

c). Reloil Bonkino 2 298,264 ?,5?6,00: 2,530,701 2,298,26' 2,530,70r 2,928,681

d). 0ther Bonking 0perolions {1.37: II 4.30i t22,5tl 41,37i 122,571 I I 6,57/

l). (opilol Employed 128,82i 125,29 723,82: 128,82" t23,82', n4,t4

'). UnallocofedLiobilities 16,471 |,31" I 1,94: t6,471 | 1,94: r t,94

Totol liobilifies 13,239,821 12,909,t45 12,691,494 | 3,239,821 12.591,494 | 3,344,r 64

lhe Bonk does nol hove 0ny se(ond0ry (geogr0phicol) segmenl

lt0TES
I TheobovefinonciolresuhswerereviewedbyfheAudit(ommillee ondopprovedbylheBoord0f0ire(lorsotilsmeelingheldonl()fhFebruory20lT.Ihesome
hove been reviewed by Sfolufory (enfrol Auditors ol the 8onk, in line wiih the direciions issued by fhe Reserve Bonk of Indio ond os per lhe requiremenl of listing
ogreemenl with Stock [xrhonges.

2 The Finonciol resuhs hove been prepored in occordonce wilh lhe A(0unting Stondords (AS-25) on "lnlerim finonriol Reporling" following Arcounling Policies os

lhose followed in preporolion of onnuol finonciol slolemenls for lhe yeor ended 3l't Morch 20 1 6.

3 The finonciol resuhs for fhe quorfer ond nine monlhs ended 3lst December 2016, hove been orrived ol ofler considering Provision for Non Performing Assets,

5londord Assets, Resfrucfured Assels, Depreriofion / Provision for Invesimenls ond Provision for lxposure to Inlifies with Un-hedged Foreign (urrency Exposure
on the bosis of Prudeniiol norms ond guidelines issued by RBl. Provision for Toxes, Depreciofion on Fixed Assets, Employee Benefits ond 0ther Provisions for
(onlingencies hqve been considered on eslimoled bosis.

4 Provision (overoge Rolio is 5l .61 % os on 3l st December 201 6.

9l-rq)

W'6d
 5 In ocrordonce wifh fhe RBI circulor no. DB0D No. BP.Bt.l/21.06.201/2015-16 doled July 01,2015, lhe bonk is required lo moke holf yeorly Pillor 3 disclosures
including leveroge rolios ond liquidify coveroge rolios under Bosel lll copitol requiremenls. The disrlosures ore being mode ovoiloble on lhe home poge of Bonk's
websife. These disclosures hove not been subiecfed fo limited review by fhe Sfotulory (enfrol Audifors of the Bonk.

6 Po silion of lnvesfors comploinls lor lhe quorfer-ended 3 | st December ?0 | 6 i s o s under:

Beginning Received Resolved Pendinq

2 0

7 (orresponding figures ol eorlier periods hove been regrouped/ reclossified, wherever ne(ess0ry t0 moke lhem comporoble wiil the period under review.

(As i l(umorf
Choirmon & M noging Director

For M/s Jain & Jain For M/s. For M/s ABP & Associates For Kailash Chand Jain & Co
rtered Accountants Cha Ghartered Accountants Accountants

MUMBAI
Jll> $^,;
Agrawallal K. Jainl
Partner Partner Partner
M. No. 110372 i M. No. 087939 M No. 1'10713
FRN 103869W FRN 001770C FRN 315104E FRN 112318W

Ploce : Mumboi
Dote Februory 1O,2017
 Jain & Jain Ramesh CAgrawal &Co
Chaftered Accountants Chartered Accountants
601,Jolly Bhavan, No-2, SQ 28, DDA Flats,
51,New Marine Lines, Gulmohar Enclave,
Mumbai-400020 New Delhi - 1 10 049

ABP & Associates Kailash Chand Jain & Co.

Chaftered Accountants Chartered Accountants
11lA Bapuji Nagar, 2nd Floor, Adena , 1"t Floor, 97
Bhubaneshwar - 751009 Maharshi Karve Road,
Near Income Tax Office,
Mumbai - 400 020

ine Months ended 31st December 2OLG

To,
The Board of Directors,
Dena Bank,
Mumbai.

Introduction:

We have reviewed the accompanying statement of unaudited financial results of

Dena Bank for the quarter / nine months ended 31" December 2016 except for the
disclosures regarding "Pillar 3 under Basel lll Capital Regulations", "Leverage
Ratio" and "Liquidity Coverage Ratio" which have been traced from disclosures
made by the Management and have not been reviewed by us. This statement is the
responsibility of the Bank's Management and has been approved by the Board of
Directors. Our responsibility is to issue a report on the said statement based on our
review.

Scope of Review:

We conducted our review in accordance with the Standard on Review Engagements

ISREI 24L0, " Review of lnterim Financral lnformation Performed by the
lndependent Auditor of the Entity'' issued by the Institute of Chartered Accountants
of India, This Standard requires that we plan and perform the review to obtain
moderate assurance as to whether the financial statements are free of material
misstatement.

A review of financial results consists principally of applying analytical procedures to

financial data and making enquiries of persons responsible for financial and
accounting matters, lt is substantially less in scope than an audit conducted in
accordance with the generally accepted auditing standards, the objective of which
is the expression of an opinion regarding the financial statements taken as a
whole. Accordingly, we do not express an audit opinion.

The accompanying financial results incorporate the relevant returns of 20 branches

reviewed by us, 1 branch reviewed by us through Core Banking System of the Bank
along with Management inputs, In the conduct of our review, we have taken note of
the review reports in respect of non-pefforming assets submitted by the concurrent
auditors of 2O branc
 58.40o/oof the advances portfolio and 71.48% of the Non-Performing Assets of the
Bank. In the conduct of our review we have also relied on unreviewed returns in
respect of 174L branches of the Bank.

Conclusion:

Based on our review as aforesaid, subject to limitations in scope as mentioned

above, nothing has come to our attention that causes us to believe that the
accompanying statement of unaudited financial results together with the notes
thereon, prepared in accordance with applicable accounting standards and other
recognised accounting practises and policies, has not disclosed the information
required to be disclos-ed in terms of regulation 33 of the SEBI (Listing Obligations
and Disclosure Requirements) Regulations, 2015 read with RBI Circular (201-6-
17l2g dated 28,07.2016 with respect to half yearly/quarterly review of the
accounts of Public Sector Banks) including the manner in which it is to be disclosed
or that it contains any material misstatement or that it has not been prepared in
accordance with the relevant prudential norms issued by the Reserve Bank of India
in respect of income recognition, asset classification, provisioning and other related
matters.

for )ain & Jain for, Ramesh C Agrawal & Co

Chartered Accountants ftered Accountants

y B Jain
o\----'i aftner
No 110372 0229
FRN 103869W

for, ABP & Associates fon Kailash Chand Jain & Co.
artered Accountants Chartered Accountants

{irrr,^:,Yi
njan Agrawalla ndeep K, Jain
er Q^"*-9 Partner
.'M No 110713
FRN 3151_04E FRN 112318W

Place: Mumbai
Date: lO.O2.2OL7