INFORMATION on dena bank (balancesheet)

You can view Balance Sheet for the last 5 years. (Rs in Cr.) Mar ' 12 CAPITAL & LIABILITIES Owners' Fund Equity Share Capital Share Application Money Peference Share Capital Reserves & Surplus Loan Funds Deposits Borrowings made by the bank Other Liabilities & Provisions 77,166.80 3,880.95 1,862.84 64,209.62 1,691.66 1,281.22 51,344.28 1,561.92 2,078.70 43,050.61 52.13 3,187.27 33,943.18 394.62 2,503.27 350.06 0.00 0.00 4,127.27 333.39 0.00 0.00 3,125.79 286.82 0.00 0.00 2,106.23 286.82 0.00 0.00 1,662.09 286.82 0.00 0.00 1,279.69 Mar ' 11 Mar ' 10 Mar ' 09 Mar ' 08

Total

87,387.92

70,641.68

57,377.95

48,238.92

38,407.58

ASSETS Cash & Balances with RBI 5,194.96 4,721.41 4,355.03 4,982.41 3,533.01

Money at call and Short Notice

356.24

687.40

759.49

874.71

504.64

Investments

23,027.65

18,768.91

15,694.23

12,473.08

10,282.98

Advances

0.00

44,828.05

35,462.44

28,877.96

23,023.98

Fixed Assets Gross Block Less: Revaluation Reserve Less: Accumulated Depreciation Net Block Capital Work-in-progress 884.74 0.00 479.59 405.16 1.48 888.00 196.74 484.40 206.85 0.15 828.95 208.64 421.89 198.42 0.22 798.33 221.59 393.26 183.48 0.09 781.65 234.15 369.71 177.78 0.09

Other Assets

58,402.44

1,428.91

908.11

847.20

885.09

Miscellaneous Expenses not written off

0.00

0.00

0.00

0.00

0.00

Total

87,387.93

70,641.68

57,377.94

48,238.93

38,407.57

Note Contingent liabilities Book Value of Unqouted Investment Market Value of Qouted Investment 45,486.00 0.00 0.00 18,795.81 0.00 0.00 33,656.45 0.00 0.00 14,533.74 0.00 0.00 16,600.29 0.00 0.0

Income statement (You can view the Income statement for the last 5 years.)

(Rs in Cr.) Mar ' 12 Income : Operating Income 7,106.22 5,232.96 4,316.89 3,658.10 2,903.56 Mar ' 11 Mar ' 10 Mar ' 09 Mar ' 08

Expenses Financial Expenses Personnel Expenses Selling Expenses Adminstrative Expenses Expenses Capitalised 4,693.13 714.68 0.00 404.47 0.00 3,270.16 688.20 16.35 619.57 0.00 2,910.33 511.59 10.80 394.79 0.00 2,383.07 467.89 11.21 461.69 0.00 1,817.14 370.85 9.47 504.68 0.00

Operating Expenditure

5,812.28

4,594.28

3,827.51

3,323.86

2,702.14

Operating Profit

1,293.94

638.68

489.38

334.24

201.42

Other Recurring Income

270.40

287.18

256.48

199.18

192.93

Adjusted PBDIT

1,564.34

925.86

745.86

533.42

394.35

Provisions Made Depreciation Other Write offs

725.29 35.60 0.00

-3.26 30.55 0.00

30.95 27.61 0.00

-163.48 26.84 0.00

74.43 29.45 0.00

Adjusted PBT

803.45

898.57

687.30

670.06

290.47

Tax Charges

0.00

286.56

175.54

246.69

-39.36

Adjusted PAT Non Recurring Items Other Non Cash adjustments

803.45 -0.32 0.00

612.01 -0.38 0.00

511.76 -0.50 0.00

423.37 -0.71 0.00

329.83 29.95 0.00

Reported Net Profit

803.14

611.63

511.25

422.66

359.79

Earnigs Before Appropriation

803.14

611.63

511.25

422.66

359.79

Equity Dividend Preference Dividend Dividend Tax Retained Earnings

122.05 0.00 0.00 681.09

85.53 0.00 0.00 526.10

67.11 0.00 0.00 444.14

40.27 0.00 0.00 382.39

33.56 0.00 0.00 326.23

Ratio
You can view the most widely used ratios such as Per share, Profitability, Leverage, Liquidity, Coverage ratios etc. Besides the ratios can be viewed for a period of 5 years

Mar ' 12 Capital Adequacy Ratio 11.51

Mar ' 11 13.41

Mar ' 10 12.77

Mar ' 09 12.07

Mar ' 08 11.09

EARNINGS RATIOS Income from Fund Advances as a % of Op Income Operating Income as a % of Working Funds Fund based income as a % of Op Income Fee based income as a % of Op Income 97.73 2.26 72.62 73.00 11.67 97.26 2.73 69.71 12.17 97.04 2.95 70.14 12.66 96.36 3.63 67.27 12.61 95.86 4.13

PROFITABLITY RATIOS Yield on Fund Advances Break-Even Yield Ratio Cost of Funds Ratio Net Profit Margin Adjusted Return On Net Worth Reported Return On Net Worth 5.79 10.88 17.94 17.93 8.52 7.29 4.96 11.07 17.69 17.68 8.48 8.20 5.50 11.17 21.38 21.36 8.88 8.25 5.52 10.95 21.72 21.68 8.48 7.89 5.29 11.61 21.05 22.96

BORROWING RATIOS Borrowings from RBI as % to Total Borrowings Borrowings from other banks as a % to Total Borrowings Borrowings from others as a % to Total Borrowings Borrowings within India as a % to Total Borrowings Borrowings from outside India as a % to Total Borrowings 0.00 0.00 100.00 100.00 0.00 5.91 0.00 94.08 100.00 0.00 0.00 0.00 97.12 97.12 2.87 0.00 0.00 2.69 2.69 97.30 0.00 0.00 0.36 0.36 99.63

DEPOSIT RATIOS Demand Deposit of Total Deposits Saving Deposit of Total Deposits Time Deposit of Total Deposits Deposits within India as % to Total Deposits Deposits Outside India as % to Total Deposits PER BRANCH RATIOS Operating Income Per Branch Operating Profit Per Branch Net Profit Per Branch Personnel Expenses Per Branch Adminstrative Expenses Per Branch Financial Expenses Per Branch Borrowings Per Branch Deposits Per Branch PER EMPLOYEE RATIOS (Rs. in Units) Operating Income Per Employee 6,965,513.92 5,257,667.64 4,101,555.34 3,701,408.07 2,916,095.71 5.30 0.96 0.60 0.53 0.30 3.50 2.89 57.50 4.05 0.49 0.47 0.53 0.48 2.53 1.31 49.74 3.53 0.40 0.42 0.42 0.32 2.38 1.28 41.98 3.09 0.28 0.36 0.40 0.39 2.01 0.04 36.36 2.74 0.19 0.31 0.35 0.48 1.71 0.37 31.99 100.00 0.00 0.00 100.00 0.00 8.54 26.98 64.47 100.00 0.00 9.05 26.90 64.04 100.00 0.00 8.30 26.47 65.22 100.00 0.00 9.07 30.16 60.75 100.00 0.00

Operating Profit Per Employee Net Profit Per Employee Personnel Expenses Per Employee Deposits Per Employee Fund Advances Per Employee

1,268,325.13 787,555.48 700,524.70 75,638,891.39 0.00

641,693.46 614,902.94 691,445.59 64,512,829.30 45,039,731.74

464,963.33 486,227.65 486,066.98 48,783,160.00 33,693,532.35

338,198.93 428,383.69 473,428.82 43,560,269.25 29,219,829.00

202,287.64 331,259.32 372,450.34 34,089,766.90 23,123,414.28

Quartely
You can view the latest 5 quarterly results. (Rs in Cr.) Mar ' 12 Interest Earned (a) Int. /Disc. on Adv/Bills (b) Income on Investment (c) Int. on balances With RBI (d) Others Other Income EXPENDITURE Interest Expended Employees Cost Other Expenses Depreciation Operating Profit before Provisions and contingencies Provisions And Contingencies Exceptional Items P/L Before Tax Tax P/L After Tax from Ordinary Activities Prior Year Adjustments Extra Ordinary Items Net Profit/(Loss) For the Period Equity Share Capital Reserves Excluding Revaluation Reserves Equity Dividend Rate (%) ANALYTICAL RATIOS a) % of Share by Govt. b) Capital Adequacy Ratio - Basel -I c) Capital Adequacy Ratio - Basel -II EPS Before Extra Ordinary Basic EPS Diluted EPS EPS After Extra Ordinary Basic EPS Diluted EPS NPA Ratios : i) Gross NPA ii) Net NPA i) % of Gross NPA ii) % of Net NPA Return on Assets % Public Share Holding 956.50 571.73 1.67 1.01 1.17 885.32 523.97 1.85 1.10 1.05 830.49 491.01 1.93 1.15 1.11 797.24 458.24 1.86 1.08 0.97 842.24 548.95 1.86 1.22 0.94 7.63 7.63 5.60 5.60 5.81 5.81 5.04 5.04 5.46 5.46 7.63 7.63 5.60 5.60 5.81 5.81 5.04 5.04 5.46 5.46 55.24 0.00 11.51 58.01 0.00 11.58 58.01 12.55 0.00 58.01 13.38 13.14 58.01 0.00 13.41 1,357.52 213.10 120.23 0.00 475.51 291.11 0.00 184.40 -70.39 254.79 0.00 0.00 254.79 350.06 0.00 0.00 1,135.04 170.84 111.16 0.00 393.17 124.33 0.00 268.84 82.16 186.68 0.00 0.00 186.68 333.39 0.00 0.00 1,118.93 162.63 113.62 0.00 352.01 81.33 0.00 270.68 77.10 193.58 0.00 0.00 193.58 333.39 0.00 0.00 1,081.63 168.11 95.05 0.00 307.74 65.49 0.00 242.25 74.16 168.09 0.00 0.00 168.09 333.39 0.00 0.00 936.30 200.30 108.54 0.00 343.12 123.82 0.00 219.30 62.30 157.00 0.00 0.00 157.00 333.39 3,125.79 0.00 1,465.39 426.79 13.18 50.53 210.47 1,292.77 374.83 8.64 0.00 133.97 1,225.87 396.60 11.34 0.01 113.37 1,177.14 346.18 4.86 0.00 124.35 1,085.08 313.66 4.67 4.08 180.77 Dec ' 11 Sep ' 11 Jun ' 11 Mar ' 11

No Of Shares (Lakhs) Share Holding (%) Promoters and Promoter Group Shareholding a) Pledged/Encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company) b) Non-encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company)

1,567.00 44.76

1,400.00 41.99

1,400.00 41.99

1,400.00 41.99

1,400.00 41.99

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

1,934.00 100.00 55.24

1,934.00 100.00 58.01

1,934.00 100.00 58.01

1,934.00 100.00 58.01

1,934.00 100.00 58.01

HALF YEARLY
You can view the latest 5 Half yearly results. (Rs in Cr.) Mar ' 12 Interest Earned (a) Int. /Disc. on Adv/Bills (b) Income on Investment (c) Int. on balances With RBI (d) Others Other Income EXPENDITURE Interest Expended Employees Cost Other Expenses Depreciation Operating Profit before Provisions and contingencies Provisions And Contingencies Exceptional Items P/L Before Tax Tax P/L After Tax from Ordinary Activities Prior Year Adjustments Extra Ordinary Items Net Profit/(Loss) For the Period Equity Share Capital Reserves Excluding Revaluation Reserves Equity Dividend Rate (%) ANALYTICAL RATIOS a) % of Share by Govt. b) Capital Adequacy Ratio - Basel -I c) Capital Adequacy Ratio - Basel -II EPS Before Extra Ordinary Basic EPS Diluted EPS EPS After Extra Ordinary Basic EPS Diluted EPS NPA Ratios : i) Gross NPA ii) Net NPA i) % of Gross NPA ii) % of Net NPA Return on Assets % Public Share Holding 956.50 571.73 1.67 1.01 1.17 830.49 491.01 1.93 1.15 1.04 0.00 0.00 0.00 0.00 0.00 825.65 537.79 2.26 1.49 1.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.85 10.85 0.00 0.00 10.44 10.44 0.00 0.00 0.00 0.00 10.85 10.85 0.00 0.00 10.44 10.44 0.00 0.00 55.24 0.00 11.51 58.01 12.55 0.00 58.01 0.00 0.00 51.19 12.29 0.00 51.19 0.00 0.00 2,492.56 383.94 231.39 0.00 868.68 415.44 0.00 453.24 11.77 441.47 0.00 0.00 441.47 350.06 0.00 0.00 2,200.56 330.73 208.68 0.00 659.75 146.82 0.00 512.93 151.26 361.67 0.00 0.00 361.67 333.39 0.00 0.00 1,759.77 381.10 204.79 0.00 659.55 209.51 0.00 0.00 137.83 0.00 0.00 0.00 312.21 333.39 3,125.79 0.00 1,510.38 307.10 180.44 0.00 564.23 115.67 0.00 448.56 149.14 299.42 0.00 0.00 299.42 286.82 0.00 0.00 1,470.03 260.13 179.17 0.00 477.81 111.69 0.00 0.00 94.53 0.00 0.00 0.00 271.59 286.82 0.00 0.00 2,758.16 801.62 21.82 50.53 344.44 2,403.01 742.78 16.20 0.01 237.72 2,071.45 613.58 8.27 4.08 307.83 1,748.97 579.15 8.01 0.01 226.01 1,534.11 518.78 9.07 17.18 308.00 Sep ' 11 Mar ' 11 Sep ' 10 Mar ' 10

No Of Shares (Lakhs) Share Holding (%) Promoters and Promoter Group Shareholding a) Pledged/Encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company) b) Non-encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company)

1,567.00 44.76

1,400.00 41.99

1,400.00 41.99

1,400.00 48.81

0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

1,934.00 100.00 55.24

1,934.00 100.00 58.01

0.00 0.00 0.00

1,468.00 100.00 51.19

0.00 0.00 0.00

YEARLY
You can view the latest 5 yearly unaudited results. (Rs in Cr.) Mar ' 12 Interest Earned (a) Int. /Disc. on Adv/Bills (b) Income on Investment (c) Int. on balances With RBI (d) Others Other Income EXPENDITURE Interest Expended Employees Cost Other Expenses Depreciation Operating Profit before Provisions and contingencies Provisions And Contingencies Exceptional Items P/L Before Tax Tax P/L After Tax from Ordinary Activities Prior Year Adjustments Extra Ordinary Items Net Profit/(Loss) For the Period Equity Share Capital Reserves Excluding Revaluation Reserves Equity Dividend Rate (%) ANALYTICAL RATIOS a) % of Share by Govt. b) Capital Adequacy Ratio - Basel -I c) Capital Adequacy Ratio - Basel -II EPS Before Extra Ordinary Basic EPS Diluted EPS EPS After Extra Ordinary Basic EPS Diluted EPS NPA Ratios : i) Gross NPA ii) Net NPA i) % of Gross NPA ii) % of Net NPA Return on Assets % Public Share Holding 956.50 571.73 1.67 1.01 1.08 842.24 548.95 1.86 1.22 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.08 24.08 21.26 21.26 0.00 0.00 0.00 0.00 0.00 0.00 24.08 24.08 21.26 21.26 0.00 0.00 0.00 0.00 0.00 0.00 55.24 0.00 11.51 58.01 0.00 13.41 51.19 23.42 0.00 51.19 10.73 0.00 51.19 11.09 0.00 4,693.13 714.68 440.06 0.00 1,528.43 562.26 0.00 966.17 163.03 803.14 0.00 0.00 803.14 350.06 350.06 0.00 3,270.16 688.20 385.22 0.00 1,223.79 325.20 0.00 898.59 286.96 611.63 0.00 0.00 611.63 333.39 3,125.79 0.00 2,910.33 511.59 336.49 0.00 840.58 153.79 0.00 0.00 175.54 0.00 0.00 0.00 511.25 286.82 0.00 0.00 2,383.07 467.89 300.30 0.00 726.36 184.93 0.00 0.00 118.77 0.00 0.00 0.00 422.66 286.82 1,662.09 0.00 1,817.14 370.85 279.59 0.00 686.44 368.82 0.00 0.00 -42.17 0.00 0.00 0.00 359.79 286.82 1,279.70 10.00 5,161.17 1,544.40 38.02 50.54 582.17 3,820.43 1,192.73 16.27 4.10 533.84 3,009.33 959.87 20.22 20.94 588.63 2,565.98 828.13 17.20 36.19 430.12 1,953.37 726.05 19.92 10.71 443.97 Mar ' 11 Mar ' 10 Mar ' 09 Mar ' 08

No Of Shares (Lakhs) Share Holding (%) Promoters and Promoter Group Shareholding a) Pledged/Encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company) b) Non-encumbered - Number of shares (Lakhs) - Per. of shares (as a % of the total sh. of prom. and promoter group) - Per. of shares (as a % of the total Share Cap. of the company)

1,567.00 44.75

1,400.00 41.99

0.00 0.00

1,400.00 48.81

1,400.00 48.81

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

1,934.00 100.00 95.24

1,934.00 100.00 58.01

0.00 0.00 0.00

0.00 0.00 0.00

0.00 0.00 0.00

CURRENT YEAR
(Rs. in crore) Quarterly Trends
Year Ends (Months) 201203(3) Operating Income Other Recurring Income Operating Profit Gross Profit Reported PAT Equity Capital OPM (%) GPM (%) NPM (%) 1,955.89 210.47 385.27 0.00 254.79 350.06 19.69 0.00 11.76 Last 4 Quarters 201112(3) 1,676.24 133.97 370.36 0.00 186.68 333.39 22.09 0.00 10.31 201109(3) 1,633.82 113.37 352.26 0.00 193.58 333.39 21.56 0.00 11.07 201106(3) 1,528.18 124.35 278.44 0.00 168.09 333.39 18.22 0.00 10.17

Annual Trends
Year Ends (Months) 201203(12) Equity Capital Reserves & Surplus Operating Income Operating Profit Other Income Reported PAT OPM (%) NPM (%) EPS (Rs.) Return on Networth 350.06 4,127.27 7,106.22 1,293.95 270.40 803.14 18.2 10.88 22.94 17.93 Last 4 Annual Results 201103(12) 333.39 3,125.79 5,232.96 638.68 287.18 611.63 12.2 11.07 18.35 17.68 201003(12) 286.82 2,106.23 4,316.89 489.37 256.48 511.25 11.33 11.17 17.82 21.36

(Rs. in crore)

200903(12) 286.82 1,662.09 3,658.10 334.24 199.18 422.66 9.13 10.95 14.74 21.68

Capital structure
You can view the break up of the capital of the company. From Year To Year Class Of Share Authorized Capital (Crores) 3000.00 3000.00 3000.00 1500.00 1500.00 1500.00 1500.00 1500.00 1500.00 1500.00 1500.00 1500.00 1500.00 Issued Capital (Crores) 350.06 333.39 286.82 286.82 286.82 286.82 286.82 286.82 206.82 206.82 206.82 206.82 206.82 Paid Up Shares (Nos) 350058527 333389074 286823200 286823200 286823200 286823200 286823200 286823200 206823200 206823200 206823200 206823200 206823200 Paid Up Face Value 10 10 10 10 10 10 10 10 10 10 10 10 10 Paid Up Capital (Crores) 350.06 333.39 286.82 286.82 286.82 286.82 286.82 286.82 206.82 206.82 206.82 206.82 206.82

2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1996

2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000

Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share Equity Share

BOD
You can view latest board of directors and key executives of the company.

Board of Directors
S.No 1 2 3 4 5 6 7 8 9 10 11 12 Name Mrs. Nupur Mitra Mr. Vijay Kapoor Mr. Rakesh Goel Mr. J Balasubramanian Mr. S P Sharma Mr. Ignatius Marshal Almeida Mr. A K Dutt Mr. Sanjeev Jindal Mr. N S Vishwanathan Dr. Pritam Singh Mr. Mukesh Mohan Mr. Rohit M Desai Designation Chairman and Managing director Director Director Director Employee Director Employee Director Executive Director Nominee Director Nominee Director Shareholder Director Shareholder Director Shareholder Director

Key Executives
S.No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Name Mr. R M Tiku Mr. G C Garg Mr. S K Mohanty Mr. Ramesh Singh Bora Mr. R K Gupta Mr. S R Bansal Mr. M K Sharma Mr. R P Acharekar Mr. A C Katial Mr. M K Bhatia Mr. S K Sharma Mr. N Rama Rao Mr. M K Jain Mr. S K Jain Mr. S N Patel Mr. B M Nanda Mr. J K Singh Kharb Designation Chief Manager Dy. General Manager Dy. General Manager & Compliance Officer General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager General Manager

The company history sections lists out major chronological events that happened to the company. 1969 - The Bank was brought into existence by an Ordinance issued on 19th July, by the Central Government. The Bank is a Government of India Undertaking and carries on all types of banking business. 1970 - The Bank Companies Act, 1969, was declared null and void by the Supreme Court on the 10th February and was made effective retrospectively from 19th July, 1969. - Under the `Lead Bank' scheme the Bank was allotted 9 districts of which 6 were in Gujarat, 2 in M.P. and one in the Union Territories of Dadra and Nagar Haveli. 1971 - Branches were opened in most of the lead districts. Bank took up second stage of the lead bank scheme. District level consultative committees were set up in all the districts. 1978 - The Bank had set up its first regional rural bank in the Kutch district of Gujarat State in December. 1980 - The second regional rural bank was set up in March at Rajnandgaon in Madhya Pradesh. 1981 - The Third Regional Rural Bank was set up at Patna. 1984 - The Bank sponsored its fourth Regional Rural Bank at Himatnagar in Gujarat. - Rs 12 lakhs of capital subscribed by Government. 1985 - Rs 13.63 crores of capital subscribed by Government. 1986 - Rs 7 crores of capital subscribed by Government. 1989 - Rs 20 crores of capital subscribed by Government. 1990 - Rs 30 crores of capital subscribed by Government. 1991 - Rs 25 crores of capital subscribed by Government. 1993 - Rs 50 crores of capital subscribed by Government.

1994 - Rs 130 crores of capital subscribed by Government. 1995 - Rs 6.11 crores of capital subscribed by Government. 1996 - Rs 136.29 crores of capital was set off against accumulated losses. 1997 - Rs 6.00 crores Equity issued through prospectus to the public at a prem. of Rs 20 per share. - Dena Bank one of the premier public sector banks, has introduced Dena Smart Card, to facilitate anywhere banking. Dena Bank is the first bank to launch this unique customer friendly product. It is for the first time in India that a Bank is using Smart Card for storing account details. - The new card will be known as Dena Credit Card against Can Card, presently offered by the bank. - Dena Bank proposes to start an industrial equipment leasing division during 1997-98, according to Madhukar Umarji, General Manager of the Bank. - Dena Bank plans to become a depository participant with National Securities Depositories Ltd (NSDL). The bank has also signed an agreement with NSDL for dematerialising its scrips. - The bank proposes to open 15 branches in the country in the current year. - Dena Bank has computerised 250 branches till date out of 1,150 branches and has obtained World Bank assistance to the tune of Rs.63 crores. The bank has set up 11 ATMs throughout the country and 20 more are expected to be installed during the year. - The bank has proposed to increase its average staff productivity to Rs 80 lakh per employee from Rs 70 lakh. A major leap up will be taken in the field of modernisation, as 50 more branches will be fully computerised during the current year which will make the figure of 95 fully computerised branches. - Dena Bank has tied up with Visa Card International for providing independent credit card facility to its customers. Consequently, the bank had decided to call off the credit card agreement with Canara Bank. - Dena Bank is the second bank after Union Bank of India to break agreement with Canara Bank in connection with credit card facility. - Dena Bank started ATMs at five of its branches that are hooked to Iwadhan, a shared payment network system in the metropolis spearheaded by Indian Banks' Association. 1998 - Dena bank, which is celebrating its diamond jubilee this year, has launched a deposit mobilisation month from February 10 to March 10. - The rating for the long-term sub-oriented bonds of the Rs.100-crore Dena Bank has been upgraded from LAA- to LAA, indicating high safety. The sub-oriented bonds of Rs.200 crore has been assigned an LAA rating. - Dena Bank has adopted a new logo - a contemporary D anchored by the image of goddess Laxmi. The D stands for a new attitude and a new dedication to service. - Dena Bank has launched a new term deposit - the `Freedom Deposit Scheme' - which provides returns available on term deposits while assuring the investors with liquidity. - Dena Bank on 26.05.98 launched its outstation cheque collections service, Dena Zoom, and inaugurated the Dena Institute of Information Technology as part of its Diamond Jubilee celebrations. - Ramesh Mishra, had signed a memorandum of understanding with Visa International on October 2 in Singapore. The bank has also signed an agreement with Equifax Venture Infotek Ltd for providing the full range of back office support services. - Dena Bank proposes to issue its own independent credit cards and is holding talks with VISA International for this purpose. 1999 - Dena bank has launched `Dena Kisan Card' and has aligned with Visa International to issue its own credit card. The card will be available to customers soon. - Dena Bank has tied-up with Visa International to launch its Visa exclusive credit card. - Dena Bank has tied up with United Bank of Switzerland (UBS) and Commerzbank International of Luxembourg for gold trading, and targets business

worth Rs 3,000 crore in the first year. - Dena Bank has entered into an agreement with UBS AG Zurich and Commerz Bank International SA Luxemberg for supply of gold on a consignment basis to enable the bank to retail gold in India. 2000 - The Company has appointed Sharepro Services as its R&T agent in place of PCS Inds Ltd. - Dena Bank to launch `debt card', market insurance products in a bid to boost its retail banking activity and increase business by over Rs 23,000 crore by this fiscal. - A G Pradhan has joined Dena Bank has chief vigilance officer. - Dena Bank has launched a housing loan scheme -- `Dena Niwas Loan' targetted at housing activity in greater Guwahati. - Mr. S.C. Vohra, Currently General Manager, Punjab & Sind Bank, has been appointed as a whole-time director. 2001 - The Bank has closed its issue of unsecured non-convertible debentures after raising the targeted Rs 75 crore. - Dena Bank has entered into an alliance with HDFC Bank to optimise customer service. - The employees of Dena Bank observed a token strike on 28th March in protest against the closure of more than 100 branches of the bank all over the country. 2002 - Dena Bank has informed that the Central Govt. has appointed Mr. Sudhir Kumudchandra Joshipura, as a Workmen Employee Director on the Board of Directors of Dena Bank for a period of three years. -A K Rai appointed as Director on the Board of Dena Bank. 2003 -Dena Bank issues 190 notices to defaulters comprising of Rs.316crs. -Bank members have elected the directors of the shareholders which includes Shri Subash Chandra Wadhwa, Shri Atul Ashok Galande, Shri Chintaman Mahadeo Dixit and Shri Manu Chadha. -Dena Bank introduces two new schemes to suit Indian residents and non-resident Indians. -Dena Bank recovers 16.56cr NPA from 32 parties at a Lok Adalat. -Central Government appoints Mr.B T R Reddy as Officer Employee Director of Dena Bank. -Approved the raising of equity share capital of the Bank by Rs.80.00 crores i.e. to increase the issued, subscribed and paid up capital of the Bank from 20,68,23,200 shares at Rs.10/- per share i.e. total Rs.2,06,82,32,000/- to 28,68,23,200 shares at Rs.10/- per share i.e. Rs.2,86,82,32,000/- by way of Second Public Issue. -A meeting of the Board of Directors of Dena Bank will be held on November 27, 2003 to consider inter alia and if thought fit to approve the prospectus to be filed with SEBI in connection with the Banks proposed second public offer. -Dena Bank has informed that the Chairman & Managing Director, Shri A.G. Joshi has retired on December 31, 2003 on attaining the age of superannuation i.e. December 31, 2003 after close of office hours and ceased to be Director of the Bank w.e.f. January 1, 2004. 2004 -Dena Bank has informed that the Central Government has appointed Shri P Vijaya Bhaskar, Chief General Manager, Reserve Bank of India, Mumbai as a Director on the Board of Directors of Dena Bank with effect from January 09, 2004 and until further orders, in place of Smt. Grace Koshie, Chief General Manager-in-charge, Exchange Control Department, Reserve Bank of India, Mumbai. -Dr. Anil K. Khandelwal has taken over as the Chairman and Managing Director of Dena Bank Ltd -Dena Bank signs MoU with International Tractors Ltd for Financing Tractors

-Dena Bank has been adjudged the best commercial bank in Gujarat under Nabard's Self Help Group - Bank Linkage Programme -Dena Bank CMD wins award for women empowerment initiatives -Dena Bank has signed an MoU with Oriental Insurance Company to distribute the latter's non-life policies -Dena Bank on July07, 2004 signed a memorandum of understanding with Eicher Tractor for tractor financing -Dena Bank has signed a memorandum of understanding (MoU) with Mahindra Gujarat Tractor Ltd (MGTL), a subsidiary of Mahindra & Mahindra (M&M) Ltd, for extending financial assistance to farmers buying tractors manufactured by the company -Ties up with Escorts Tractors -Dena Bank inks MoU with M&M for tractor loans -Western Union joins hands with Dena Bank for inbound remittances -Dena Bank forges alliance with IIT-C for rural ATM kiosks 2005 The second public issue opened on January 24, 2005 and closed on January 29, 2005. The issue had got overwhelming response from investors and substantially oversubscribed. - Life Insurance Corporation of India signs 32nd bancassurance agreement with Dena bank on April 29, 2005.. -Dena Bank appoints Shri M V Nair as Chairman & Managing Director (CMD) for a period of five years -Dena Bank inks agreement with Small Industries Development Bank of India -Dena Bank inks agreement with SIDBI -Dena Bank rolls out 'no frills' banking -Dena Bank join hands with LICMF. 2006 =Dena Bank and Union Bank of India have tied up with Small Farmers Agri-business Consortium (SFAC) to facilitate growth of agri business. 2007 -Dena Bank has appointed Mrs. Smita Vijayanand Pandit (Chief Manager -IRC & Company Secretary) as Compliance Officer in place of Shri M.G. Sanghvi with immediate effect, who will directly liaise with the authorities such as Stock Exchanges, SEBI, ROC etc. 2010 - Dena Bank has nominated Shri Ignatius Marshal, Almeida, Manager Dena Bank as Officer Employee Director on the Board of Dena Bank, for a period of three years from the date of notification and /or upto November 30, 2012 i.e. the date of superannuation or until he ceases to be an officer of the Dena Bank, or until further orders whichever is the earliest. - Dena Bank has Shri A. K. Dutt, as a whole time director (designated as Executive Director) of Dena Bank.