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DFCC Bank

Business Segment Information
Lending
Financial Leasing
Investing in Equity
Commercial Banking
Venture Capital
Other
Unallocated
Eliminations
Total

For the Nine months ended 31 December
2006
2005
2006
2005
2006
2005
2006
2005
2006
2005
2006
2005
2006
2005
2006
2005
2006
2005
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Rs 000
Revenue
  
Interest income
 3,654,969 2,763,103 672,884 495,303 - - 683,639 382,934 39,930 37,066 16,795 17,699 - - (6,735) (27,574) 5,061,482 3,668,531
Amortisation of negative goodwill
1,315 1,572     1,315 1,572
Other income
 69,801 68,679 - - 352,013 350,802 124,116 79,988 33,487 48,761 141,621 173,248 57,033 38,616 (61,661) (73,512) 716,410 686,582
Income from external customers
 3,724,770 2,831,782 672,884 495,303 352,013 350,802 807,755 462,922 73,417 85,827 158,416 190,947 58,348 40,188 (68,396) (101,086) 5,779,207 4,356,685
Inter segment income
 - - - - - - - - - - - - 2,861 3,117 (2,861) (3,117) - -
Total income
 3,724,770 2,831,782 672,884 495,303 352,013 350,802 807,755 462,922 73,417 85,827 158,416 190,947 61,209 43,305 (71,257) (104,203) 5,779,207 4,356,685
Percentage *
 64 65 12 11 6 8 14 11 1 2 3 4 2 3 - - 100 100
Expense
Segment losses
 (16,372) (22,413) 16,227 38,362 - 9,900 23,487 5,545 (15) - - 238         23,328 31,632
Depreciation
 - - - - - - 37,356 28,634 523 492 11,793 10,830         49,672 39,956
Other operating & interest expenses
 2,375,871 1,666,206 447,462 266,787 - - 542,684 339,448 14,011 13,698 58,723 67,347     (6,735) (27,574) 3,432,016 2,325,912
Inter segment expense
 - - - - - - 1,982 - - - 879 3,117     (2,861) (3,117) - -
2,359,499 1,643,793 463,689 305,149 - 9,900 605,509 373,627 14,519 14,190 71,395 81,532     (9,596) (30,691) 3,505,016 2,397,500
Result
 1,365,271 1,187,989 209,195 190,154 352,013 340,902 202,246 89,295 58,898 71,637 87,021 109,415         2,274,191 1,959,185
 
Unallocated expenses
 336,144 379,292
Value Added Tax financial services
 314,372 197,695
1,623,675 1,382,198
Associate company profit before tax
894,228 607,801
Profit on ordinary activities before tax
 2,517,903 1,989,999
Income tax on profit on ordinary activities
 1,124,419 708,762
Profit on ordinary activities after tax
 1,393,484 1,281,237
Minority interest
 46,414 55,745
Profit for the period
 1,347,070 1,225,492
 
Assets
 37,723,020 30,079,270 7,250,998 4,885,759 1,242,737 1,536,325 8,723,010 5,962,638 837,205 859,864 525,078 757,382 5,707,874 6,112,894 (511,811) (314,585) 61,498,111 49,879,547
Percentage
 61 60 12 10 2 3 14 12 1 2 1 2 9 12 (1) (1) 100 100
Investment in associate company
4,226,550 3,563,273
  65,724,661 53,442,820
 
Liabilities
 30,785,064 25,157,014 6,525,898 4,397,183 - - 7,708,219 5,091,769 15,733 9,877 171,909 301,567 7,957,479 7,217,462 (511,811) (314,585) 52,652,491 41,860,287
 
Revenue and expenses attributable to the incorporated business segments of industrial estate management, unit trust management and DFCC Stock Brokers (Pvt) Ltd 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