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Dena
(11-10)
P&s
(11-10)
Dena
(12-11)
P&s
(12-11)
Dena
(13-12)
P&s
(13-12)
Dena
(14-13)
P&s
(14-13)
2.66%
3.17%
2.41%
2.80%
2.35%
2.52%
1.88%
46.74%
49.26%
43.03%
60.38%
42.76%
26.31%
48.15%
24.37%
% of Non-interest income to
Total operating income
9.59%
8.13%
7.89%
6.05%
6.85%
5.09%
8.41%
5.08%
.49
.60
.50
.36
.50
.35
.55
.34
.46
.49
.43
.60
.42
.53
.48
.60
.1%
.90%
1.08%
.44%
.86%
.44%
.51%
.35%
.09
.09
.09
.09
.10
.10
.10
.09
10.98%
9.79%
10.88%
6.54%
8.48%
4.38%
5.06%
3.57%
22.90
16.21
20.72
11.14
17.62
7.68
9.82%
6.59%
22.90
18.02
19.1
17.15
20.48
17.47
19.25
18.85
Dena Bank
80
60
22.9
70
50
19.1
40
20
10
0
EM (A/E)
ROE (ROA*EM)
NPM %
% of Non-interest income
to Total operating income
Net interest Margin %
19.25
20.72
17.62
10.98
9.82
10.88
8.48
9.59
7.89
6.85
5.06
8.41
3.17
3.17
2.8
2.52
percentage
percentagee
22.9
40
30
17.15
20.48
60
50
18.02
30
DENA (1112)
DENA (1213)
DENA (1314)
22.9
22.9
10.98
19.1
20.72
10.88
20.48
17.62
8.48
19.25
9.82
5.06
20
9.59
7.89
6.85
8.41
3.17
3.17
2.8
2.52
Axis Title
7.68
6.54
6.59
6.05
4.38
5.09
3.57
5.08
2.66
2.41
2.35
1.88
P & S (1011)
P & S (1112)
P & S (1213)
P & S (1314)
18.02
16.21
9.79
17.15
11.14
6.54
17.47
7.68
4.38
18.85
6.59
3.57
8.13
6.05
5.09
5.08
2.66
2.41
2.35
1.88
8.13
10
EM (A/E)
ROE (ROA*EM)
NPM
% of Non-interest
income to Total
operating income
Net interest Margin
18.85
11.14
9.79
0
DENA (1011)
17.47
16.21
Axis Title
Dena Bank
AU
Overhead efficiency
efficiency ratio
ROA %
2.5
AU
Overhead efficiency
1.08
0.86
0.9
0.65
0.51
0.44
0.35
0.53
0.6
0.36
0.35
0.34
0.09
0.09
0.1
0.09
P & S (1011)
P & S (1112)
P & S (1213)
P & S (1314)
0.9
0.49
0.44
0.09
0.65
0.6
0.36
0.09
0.44
0.53
0.35
0.1
0.35
0.6
0.34
0.09
1.5
1.5
0.46
0.43
0.42
0.48
0.49
0.6
1
0.49
0.5
0.5
0.55
0.44
0.5
0.5
0.09
ROA %
efficiency ratio
Overhead efficiency
AU
ROA %
2.5
1
efficiency ratio
0.09
0.1
0.1
0
DENA (1011)
DENA (1112)
DENA (1213)
DENA (1314)
1.08
0.86
0.51
0.46
0.49
0.09
0.43
0.5
0.09
0.42
0.5
0.1
0.48
0.55
0.1
ROA %
efficiency ratio
Overhead efficiency
AU
COST OF INCOME
COST OF INCOME
49
COST OF INCOME
48.15
48
70
60.38
47
46.74
60
46
50
45
40
44
43.03
43
49.26
30
26.31
42.76
24.37
20
42
10
41
40
COST OF INCOME
0
Dena (1011)
Dena (1112)
Dena (1213
Dena (1314)
46.74
43.03
42.76
48.15
COST OF INCOME
P & S (1011)
P & S (1112)
P & S (1213)
P & S (1314)
49.26
60.38
26.31
24.37