Financial Performance Delhi Financial Corporation An Overview of Financial Performance

EQUITY DEBT RESERVES NET WORTH PROFIT BEFORE TAX & PROVISION PROFIT AFTER TAX & PROVISION :1 1.14: % 15.37% 36.51% 46.8% DEBT EQUITY RATIO ( 2/4) 1.37:1 RETURN ON EQUITY RATIO ( 6/4 ) 4.14% CAPITAL ADEQUACY RATIO39.14% KEY FINANCIAL INDICATOR

ANALYSIS OF PROFITS Bar Chart 3

 THE LAST THREE YEARS KEY FINANCIAL INDICATORS REVEAL SIGNIFICANT IMPROVEMENTS.  THE AVERAGE COST OF FUND HAS COME DOWN FROM 12% IN TO 8.7% IN  THE LENDING RATES HAVE BEEN CORRESPONDINGLY REDUCED FROM 15%+4% P.A. TO 10.5%+2.5% P.A. IN F.Y  RESERVES HAVE INCREASED BY 33%.  RETURN ON EQUITY RATIO HAS INCREASED THREEFOLD.  CAPITAL ADEQUACY RATIO IS WELL ABOVE THE RBI NORMS OF 9%.  DEBT EQUITY RATIO HAS IMPROVED INDICATING LESSER DEPENDENCE ON BORROWED FUNDS.  THE POSITION OF PROFIT AFTER TAX AND PROVISIONING HAS SHOWN REMARKABLE IMPROVEMENT FROM Rs.2.29 CRORES IN TO Rs CRORES IN THIS PROFIT HAS BEEN OBTAINED AFTER MAKING PROVISIONING FOR RETIREMENT BENEFITS VIZ. PENSION, GRATUITY AND LEAVE ENCASHMENT WHICH HAVE BEEN SUBJECT MATTER OF CAG AUDIT IN THE PAST. VRS HAS ALSO BEEN GRANTED TO 14 PERSONS DURING THE YEAR.  IN THREE YEARS, THEREFORE, THE FINANCIAL HEALTH OF THE CORPORATION HAS BEEN BROUGHT ON TO A SOUND FOOTING. SUMMARY OF FINANCIAL RESULTS 4

NET PROFITS * *After Accounting for the VRS Expenditure Bar Chart # # Before Tax and Provisioning 5

GROWTH OPERATIONS Bar Chart 6

BUSINESS TRENDS 7 In Graph

COLLECTABLE : NET RECOVERY 41% 52% * * Includes interest subsidy of Rs.1.40 crores received from GNCT, Delhi.(Tpt. Deptt.) Bar Chart # #Includes Rs.10 crores pending receipt paid by DSIDC in Q4 8

Loans and Advances Loans & Advances Provisioning Standard Assets NPAs Rs. In Lacs FINANCIAL PROFILE 9

Analysis of Loans & Advances 10 Bar Chart

LOANS AND ADVANCES

STATUS OF NPAs 46.35% 36.58% 38.51% Bar Chart 13

 IN THE YEAR , DSIDC ISSUED ALLOTMENT LETTERS FOR PLOTS IN BAWANA OUT OF WHICH DFC COULD OBTAIN GOOD BUSINESS AFTER THE ALL TIME LOW OF  DESPITE ABSENCE OF LAND ALLOTMENT BY DSIDC VIGOROUS EFFORTS WERE MADE TO SECURE BUSINESS OF CONSTRUCTION LOANS IN BAWANA AS THE ENTREPRENEURS STARTED MOVEMENT TOWARDS CONSTRUCTION IN LAST PART OF Q3 AND Q4.  IN , DSIDC HELD DRAW OF LOTS FOR BAWANA-II BUT ALLOTMENT LETTERS HAVE ISSUED ONLY IN MARCH HENCE BUSINESS WILL AGAIN PEAK IN TO A LIKELY FIGURE OF Rs.100 CRORES.  ACCORDINGLY IN Q4, RELEASE HAS BEEN MADE IN 395 CASES OF CONSTRUCTION LOAN IN BAWANA AMOUNTING TO RS LACS AND ONLY 50 CASES INVOLVING RS LACS ARE PENDING FOR FIRST DISBURSEMENT. AMOUNTING TO RS LACS AND ONLY 50 CASES INVOLVING RS LACS ARE PENDING FOR FIRST DISBURSEMENT. BUSINESS PROSPECTS 14

5.60% 0.87% 93.53%

95.40% 0.56% 0.14% 3.90%