What is Dena Bank's Net NPA Ratio in FY 2018?

In FY 2018, Dena Bank reported a net NPA ratio of 11.95%. Net NPA Ratio = (Gross NPAs − Provisions) / Total Loans. Below 2% is healthy for Indian banks; above 3–4% signals stress. A declining trend indicates improving asset quality.

What are Dena Bank's ROA and ROE in FY 2018?

In FY 2018, Dena Bank reported an ROA of -1.59% and an ROE of -20.9%. ROA = (Net Income / Total Assets) × 100; ROE = (Net Income / Equity) × 100. For Indian banks, ROA of 0.8–1.5% and ROE of 12–18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.

What is Dena Bank's Loan to Deposit Ratio in FY 2018?

In FY 2018, Dena Bank reported a loan-to-deposit ratio of 61.8%. LDR = (Total Loans / Total Deposits) × 100. Optimal range is 70–85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation.

What is Dena Bank's Financial Leverage Ratio in FY 2018?

In FY 2018, Dena Bank reported a financial leverage ratio of 13.1x. Financial Leverage = Total Assets / Total Equity. For Indian banks, 10–15× is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits.

What is Dena Bank's Borrowings to Networth Ratio in FY 2018?

In FY 2018, Dena Bank reported a borrowings-to-networth ratio of 38.7%. Borrowings to Networth = (Total Borrowings / Shareholders' Equity) × 100. Lower is better — indicates less reliance on debt. Consistent increases may signal aggressive growth or capital constraints.

Key Ratios - Dena Bank (DENABANK)

Q: What is Dena Bank's Net Interest Margin (NIM) in FY 2018?

In FY 2018, Dena Bank reported a NIM of 2.19%. NIM = (Interest Earned − Interest Paid) / Average Earning Assets. For Indian banks, 2.5–4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs.

Q: Has Dena Bank diluted shares in FY 2018?

In FY 2018, Dena Bank's diluted shares increased by 46.5% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution; negative means buybacks. Consistent dilution above 5% annually is a red flag for shareholders.

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Company Performance

2-year trend showing revenue, gross profit, and net profit

FY 2017 - FY 2018

Dena Bank's revenue declined 11.7% to 100.96B in FY2018, with net losses deepening 122.7% to -19.23B.

Understanding Company Performance

In FY 2018, Dena Bank's revenue declined by 11.7% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.

Net Interest Margin (NIM)

2-year trend showing profitability efficiency

FY 2017 - FY 2018

Dena Bank's NIM of 2.2% in FY2018 indicates thin interest spreads.

Understanding Net Interest Margin

In FY 2018, Dena Bank reported a NIM of 2.19%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.

Net NPA Ratio

2-year trend showing asset quality

Dena Bank's net NPA ratio of 12.0% in FY2018 indicates significant asset quality deterioration.

Understanding Net NPA Ratio

In FY 2018, Dena Bank reported a net NPA ratio of 11.95%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.

Return on Assets (ROA) & Return on Equity (ROE)

2-year trend showing profitability efficiency

Dena Bank's ROA of -1.6% in FY2018 indicates negative returns on assets — the bank is losing money on its asset base, with ROE at -20.9%.

Understanding ROA & ROE

In FY 2018, Dena Bank reported an ROA of -1.59% and an ROE of -20.9%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.

Loan to Deposit Ratio

2-year trend showing liquidity and lending efficiency

Dena Bank's loan-to-deposit ratio of 61.8% in FY2018 indicates conservative lending — deposits are underutilised.

Understanding Loan to Deposit Ratio

In FY 2018, Dena Bank reported a loan-to-deposit ratio of 61.8%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.

Financial Leverage Ratio

2-year trend showing capital structure efficiency

Dena Bank's financial leverage of 13.1x in FY2018 indicates well-balanced capital structure within typical banking norms.

Understanding Financial Leverage Ratio

In FY 2018, Dena Bank reported a financial leverage ratio of 13.1x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.

Borrowings to Networth Ratio

2-year trend showing leverage and financial stability

Dena Bank's borrowings-to-networth ratio of 38.7% in FY2018 indicates low reliance on borrowings relative to equity.

Understanding Borrowings to Networth Ratio

In FY 2018, Dena Bank reported a borrowings-to-networth ratio of 38.7%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.

Stock Dilution

Year-over-year change in diluted shares outstanding

Dena Bank's diluted shares increased 46.5% YoY in FY2018 — significant dilution that warrants concern.

Over 2 years (FY2017–FY2018), diluted shares increased 46.5% from 726.78M to 1.06B, indicating cumulative dilution.

Understanding Stock Dilution

In FY 2018, Dena Bank's diluted shares increased by 46.5% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2018

Dena Bank Key Financial Ratios