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PARAMETERS

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)

Net interest Margin


3.17%

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%

Overhead efficiency (Non Int.


Income/Non Int. Exp.)

.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

Cost to income ratio

Efficiency Ratio (Non Int.


Exp/(Net Int. Income + Non Int.
Income)
ROA (AU*NPM)
AU
NPM
ROE (ROA*EM)
EM (A/E)

Dena Bank

Punjab & Sind 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

Punjab & Sind Bank

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