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					                                                                                             Regd off: 301 Trade Plaza, 414 Veer Savarkar Marg, Prabhadevi, Mumbai - 25
DEVELOPMENT CREDIT BANK LTD.                                                                 E-Mail:    barve@dcbl.com
                                                                                             Web site: www.dcbl.com
                                                                                             Telephone: (022) 2438 7000 Fax: (022) 2423 1520
BANKING                                                             MISCELLANEOUS            Tr agent: Link Intime India, C13, Pannalal Silk Mills Compd., LBS Marg, Mumbai-78
Chairman: Nasser Munjee                                                         SEC: Hemant V. Barve (VP & CS)                         AUD: S. R. Batliboi & Co.
Yr of Inc   B. Code      BL. Code      F.V.         Price        % ch 1-m       % ch 12-m      P/E      P/CF            Yield         Mkt cap               Vol.           ISIN
 1995   532772           DEVB:IN       10            40.8          15.9           -18.4         NM          NM           0.0           7,165.7          2,546.1        INE503A01015
SHAREHOLDING                                                      FX Transaction (FY09)                             ADJUSTED DAILY SHARE PRICE DATA
Indian Promoters           :   1.4%               Exports (fob)          Rs m        0
Foreign collaborators      : 24.9%
                                                                                                     (Rs)
                                                  Imports (cif)          Rs m        0
Indian inst/Mut Fund       :   1.5%               Fx inflow              Rs m        0         200
FIIs/GDR                   :   4.6%               Fx outflow             Rs m        0                                                                       DAILY
Free float                 : 67.6%                Net fx                 Rs m        0
Shareholders               : 162,937
                                                                                               160                                                           100 DMA

                           No. of months                   12            12            12
                             Year ending             31/03/07      31/03/08      31/03/09      120
EQUITY SHARE DATA
High                                   Rs                  72            162          121
Low                                    Rs                  35              62           14       80
Income per share                       Rs                23.5           32.3         37.0
Earnings per share                     Rs                 0.5             2.2         -5.1
Cash flow per share                    Rs                 9.0           12.1          -0.4
                                                                                                 40
Dividends per share                    Rs                 0.0            0.0           0.0
Avg Dividend yield                     %                  0.0            0.0           0.0
                                                                                                  0
Book value per share                   Rs                22.7           36.5         34.3
Shares outstanding (eoy)               m              147.63         174.30        174.30         Oct-06             Jul-07           Mar-08                Dec-08          Aug-09
Bonus/Rights/Conversions                                    PI            PA             -
Avg Price / Income ratio               x                   2.3            3.5          1.8                               No. of months                 12           12           12
Avg P/E ratio                          x                107.1           50.8        -13.4                                  Year ending           31/03/07     31/03/08     31/03/09
                                                                                              CASH FLOW
Avg P/CF ratio                         x                 16.8           18.3         15.9
Avg Price/Bookvalue ratio              x                  2.4             3.1          2.0    From Operations                         Rs   m        -169           3,464     -3,235
Dividend payout                        %                  0.0            0.0           0.0    From Investments                        Rs   m         177            -260       -100
Avg Mkt Cap                            Rs m             7,928         19,522       11,765     From Financial Activity                 Rs   m       1,704           2,734       -660
No. of employees                       `000                  2              2          NA     Net Cashflow                            Rs   m       1,711           5,939     -3,995
Total wages & salary                   Rs m               685            971        1,044
Avg. income/employee                   Rs Th          1,916.6        2,515.9           NA                                       INTERIM RESULTS
Avg. wages/employee                    Rs Th            378.5          434.5           NA                                           2QFY09   3QFY09            4QFY09       1QFY10
Avg. net profit/employee               Rs Th             40.9          171.8           NA     Operating income            Rs    m     1,728    1,676             1,399        1,244
                                                                                              Gross Profit                Rs    m       579      510               402          354
INCOME DATA                                                                                   Gross profit margin         %            33.5     30.4              28.7         28.5
Interest income                        Rs     m         3,469         5,623         6,452     Net profit                  Rs    m         10      -32             -913         -353
Other income                           Rs     m           925         1,737         1,201     Net profit margin           %              0.6     -1.9            -65.3        -28.4
Interest expense                       Rs     m         2,274         3,884         4,480
Net interest income                    Rs     m         1,195         1,739         1,972
Operating expense                      Rs     m         1,711         2,380         2,420
Gross profit                           Rs     m          -516           -641         -448
Gross profit margin                    %                -14.9          -11.4          -6.9
Provisions/contingencies               Rs     m           399            681        1,619
Profit before tax                      Rs     m             11           416         -866
Extraordinary Inc (Exp)                Rs     m              0              0            0
Minority Interest                      Rs     m              0              0            0
Prior Period Items                     Rs     m              0              0            0
Tax                                    Rs     m           -63              32           15
Profit after tax                       Rs     m             74           384         -881
Net profit margin                      %                   2.1            6.8       -13.7

BALANCE SHEET DATA
Advances                               Rs     m        26,583        40,688        32,740
Deposits                               Rs     m        44,152        60,749        46,469
Credit/Deposit ratio                   x                 60.2          67.0          70.5
Yield on advances                      %                  8.5          10.5          15.1
Cost of deposits                       %                   4.7           5.9           8.6
Net Interest Margin                    %                   2.4           2.4           3.6
Net fixed assets                       Rs     m           814           998         1,489
Share capital                          Rs     m         1,476         1,743         1,743
Free reserves                          Rs     m           584         3,290         2,362
Net worth                              Rs     m         3,358         6,361         5,983
Borrowings                             Rs     m         1,544         4,268         3,455
Investments                            Rs     m        18,466        21,346        16,217
Total assets                           Rs     m        52,621        75,824        59,430
Debt/equity ratio                      x                 13.6          10.2            8.3
Return on assets                       %                   0.1           0.5          -1.5
Return on equity                       %                   2.2           6.0        -14.7
Capital adequacy ratio                 %                 11.3          13.4          13.3
Net NPAs                               %                   1.6           0.7           3.9


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posted:11/6/2010
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