DFCC Bank - Business Segment Information

Business Segment Information

	Lending		Financial Leasing		Investing in Equity		Commercial Banking		Venture Capital		Other		Unallocated		Eliminations		Total
For the nine months ended 31 December	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000	2007 Rs 000	2006 Rs 000

Revenue
Interest income	5,399,647	3,569,640	912,696	672,884	-	-	1,316,843	665,966	53,981	39,930	29,877	16,795	-	-	(38,841)	(6,735)	7,674,203	4,958,480
Other income	172,390	69,801	-	-	585,163	352,013	209,944	128,664	29,038	33,487	166,797	141,621	(66,018)	142,362	(437,595)	(223,243)	659,719	644,705
Income from external customers	5,572,037	3,639,441	912,696	672,884	585,163	352,013	1,526,787	794,630	83,019	73,417	196,674	158,416	(66,018)	142,362	(476,436)	(229,978)	8,333,922	5,603,185
Inter segment income	-	-	-		-	-	-	-	-		-	-	18,488	2,861	(18,488)	(2,861)	-	-
Total income	5,572,037	3,639,441	912,696	672,884	585,163	352,013	1,526,787	794,630	83,019	73,417	196,674	158,416	(47,530)	145,223	(494,924)	(232,839)	8,333,922	5,603,185

Percentage *	67	63	11	12	7	6	18	14	1	1	2	3	4	4	-	-	100	100

Expense
Segment losses	30,726	(16,372)	40,285	16,227	-	-	47,423	23,488	-	(15)	-	-					118,434	23,328
Depreciation	-	-	-		-	-	55,445	37,356	363	523	10,735	11,793					66,543	49,672
Other operating & interest expenses	3,712,098	2,375,871	656,590	447,462	-	-	1,163,953	529,559	20,401	14,011	72,042	58,723			(38,841)	(6,735)	5,586,243	3,418,891
Inter segment expense	-	-	-		-	-	16,647	1,982	-	-	1,841	879			(18,488)	(2,861)	-
	3,742,824	2,359,499	696,875	463,689	-	-	1,283,468	592,385	20,764	14,519	84,618	71,395			(57,329)	(9,596)	5,771,220	3,491,891

Result	1,829,213	1,279,942	215,821	209,195	585,163	352,013	243,319	202,245	62,255	58,898	112,056	87,021					2,562,702	2,111,294

Unallocated expenses																	653,214	336,144
Value Added Tax on financial services																	353,194	314,372
																	1,556,294	1,460,778
Associate companies profit before tax																	1,416,068	1,046,275
Profit on ordinary activities before tax																	2,972,362	2,507,053
Income tax on profit on ordinary activities																	1,253,898	1,088,087
Profit on ordinary activities after tax																	1,718,464	1,418,966
Minority interest																	59,672	46,414
Profit for the period																	1,658,792	1,372,552

Assets	41,671,098	37,723,020	6,992,698	7,250,998	1,745,893	1,242,737	14,632,620	8,723,010	835,180	837,205	1,050,082	525,078	8,261,032	5,707,874	(658,781)	(511,811)	74,529,822	61,498,111

Percentage	56	61	9	12	2	2	20	14	1	1	1	1	11	9	-	(1)	100	100

Investment in associate company																	6,118,384	4,226,550

																	80,648,206	65,724,661

Liabilities	33,565,567	30,785,064	6,293,428	6,525,898	-	-	13,040,505	7,708,219	12,592	15,733	597,191	171,909	10,109,803	7,957,479	(658,781)	(511,811)	62,960,305	52,652,491
Revenue and expenses attributable to the incorporated business segments of industrial estate management, unit trust management, stock brokering and consultancy services are included in the column for other Property & equipment and depreciation attributable to an incorporated business segment is included in the relevant segment and the balance is unallocated Dealing securities losses and goodwill written off of subsidiary company are included in unallocated expenses. Eliminations are the consolidation adjustments for inter company transactions, dividend and dividend payable attributable to minority shareholders. * Net of eliminations