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MERGERS AND

ACQUISITIONS ANDRESTRUCTURING

BANKING SECTORGROUP NO.1

NISHA AGARWAL

NUTAN SHANBHAGPRATIK TIBREWAL

ANJALI MOOLRAJANI

VISHAL SATRA

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Banking-Changes

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HDFC

DCB J N KLAKSHMI

VILAS`

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HDFC

HDFC Bank was incorporated in August 1994, and,

currently has an nationwide network of 2,150 Branches

and 6,838 ATM's in 1,141 Indian towns and cities.

The Housing Development Finance Corporation Limited

(HDFC) was amongst the first to receive an 'in principle'

approval from the Reserve Bank of India (RBI) to set up a

bank in the private sector, as part of the RBI's

liberalization of the Indian Banking Industry in 1994. The

bank was incorporated in August 1994 in the name of

'HDFC Bank Limited', with its registered office in

Mumbai, India. HDFC Bank commenced operations as a

Scheduled Commercial Bank in January 1995.

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DCB-Development Credit Bank

Founded in 1930-small newgeneration private sector

bank with offerings in retail,

SME and corporate banking

segments`

DCB has a network of 80

branches, 134 ATMs and

approximately 600,000customers as of FY11. It spans

across 10 states in the country

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The Bank , incorporated in 1938.

It has a track record of uninterrupted profits and dividends for

four decades.

The J&K Bank is rated P1+, indicating the highest degree of

safety by Standard & Poor and CRISIL.

JAMMU AND KASHMIR BANK

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J&K Bank

It is the only private sector bank designated as RBIs agent for

banking business, and carries out the banking business of the

Central Government, besides collecting central taxes for CBDT.

During the financial year 2010-11, 16 branches were added,

taking the number of branches to 548 as on 31-03-2011,spread across 20 states and one union territory.

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LAKSHMI VILAS BANKFounded-1926

Objective-To cater to the financial needs of varied customer

segments.

During 1961-65 LVB took over nine banks and raised its branch

network considerably.

Network of 249 branches, 3 satellite branches and 6 extension

counters

Banking Services

Savings Bank, Current Account Shop online

No FRILLS SB A/C Bill Payment

International Banking Online RTGS

NRI Banking SMS alerts

Net Banking Forex Services

SMS Banking Western Money Transfer

Fixed Deposits RTGS

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COMPARISION OF RATIOS

PARTICULARS DCB(AVG.) J N K(avg) LAKSHMI

VILASBANK(AVG)

EPS -1.04 89.602 6.538

PE 44.348 7.51 13.59

NPAT -18.424 434.382 44.992

DPS 50.44 18.38 1.56

NIM 2.726 2.746 2.286

ROE -2.9 17.016 8.21

CASA 30.84 39.092 19.504

NET NPA 69.292 160.48 102.396

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Why DCB?

Strong and experienced new Management

DCB Fundamentals 2011 2010 2009 2008 2007

Earnings Per Share (Rs) 1.07 -3.92 -5.05 2.2 0.5

PER(x) 42.83 0 0 38.83140.08

Profit Before Tax 29.26 -72.74 -86.6 36.14 1.82

MPS 47.45 32.2 18.9 86.65 67

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Recent quarter ended Sept

2011

Net interest margin increased to 3.41 per cent

(3.14 per cent). Provisions declined

substantially to Rs 7.5 crore (Rs 16 crore).

Capital Adequacy Ratio was at 13.10 per cent.

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Rationale-Why DCB

Strong and experienced new Management

Focus on retail liabilities than

wholesale liabilities

Improving cost efficiency

Improvement in NPA ratios

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Share Exchange Ratio

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THANK YOU