STATE BANK OF TRAVANCORE HEAD OFFICE THIRUVANANTHAPURAM ANALYSTS MEET 26 th JULY

STATE BANK OF TRAVANCORE

 State Bank of Travancore (SBT) was originally established as the Travancore Bank Ltd. on 12 th September 1945 in the erstwhile Princely State of Travancore with a paid up capital of Rs.1 crore. 30 percent of the capital was contributed by the then Government of Travancore and remaining by 4000 shareholders. The Bank became a Scheduled Commercial Bank in 1946 and in 1960 it has become a subsidiary of the State Bank of India and assumed its present name SBT and hence it is a part of the State Bank Group. It grew in size between through a series of takeovers, amalgamations and mergers. 11 3

 Head Office & Registered Office at Thiruvananthapuram  Central Data Centre at Belapur  7 Zonal offices  3 NW GMs at TVPM, EKM & CHENNAI ( as on 30/06/2013)  2 Stand Alone DGM Headed Regional Offices  12 off-site Regional Offices ( as on 30/06/2013)  7 Commercial Branches for Corporate Credit  13 Commercial Business Group Branches Organisational Structure & Management 11 4

Bank at a Glance 11 5

 Gross Business Turnover crosses Rs.1,55,275 crore  Net Profit Rs. 186 crore  Operating profit : Rs. 419 crore  Book value Per Share Rs [Rs 10 face value]  Earning Per Share Rs [Annualized]  Net Interest income up by 13.86% to Rs. 583crore ( YoY) Performance Highlights – June

Highlights – Profitability Parameters– June

BUSINESS HIGHLIGHTS– Jun 2013 % Jun 12Jun 13 Advances Growth (YoY %) Advances (ASCB market share) Deposits Growth (YoY %) Deposits (ASCB market share)

Efficiency Parameters 9 11

Share Holding Pattern — June

Dividend History 11

SHARE PRICE MOVEMENT HIGH DATE LOW DATE (In Rupees) Apr May Jun

PEER GROUP COMPARISION Mar 2013 (Latest RBI data) Parameters SBTAll BanksPeer % Gr Advances % Gr Deposits C.R.A.R. (Basel II) Gross NPA Net NPAs Gross NPA plus Std Restructured A/cs Ratio Credit Deposit Ratio Return on Equity Return on Total Assets Non- int income to Total income Efficiency (Cost Income) Ratio

DEPOSITS ADVANCES CD RATIO Market Share & CD Ratio Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 14

In Percentages Advances Exposure across Segments Jun-13 Jun

BRANCH EXPANSION DETAILS 16 11

Expanding Footprint No. of Branches No. of ATMs Hits per day No. of Debit Cards No. of customers No. of transactions Registered mobile users No. of transactions % of total transactions on alternate channels 36.18% % 57.06%20.88% Branches ATMs Debit Cards (in lacs) Internet Banking (in lacs) Mobile Banking (in lacs) Alternate Channels Jun’ 12 Mar’ 13 Jun’ 13YOY Incr

DIRECT BENEFIT TRANSFER(DBT) : As part of DBT, Wayanad and Pathanamthitta Districts of Kerala were selected for AADHAR LINKING. We have opened 3.85 lac accounts, linked with AADHAR for direct transfer for benefits under LPG and other Govt Schemes FINANCIAL INCLUSION :  29 FI villages in Kerala and 6 FI villages in Tamilnadu allotted to our Bank.In Kerala we have opened new branches and in other area basic banking services provided through Business Correspondents(BCs). As part of FI lacs Janapriya ZeRO Balance accounts opened of which is opened in FI villages 11 18

Community Service Banking: 622 Social Circles spread over branches and Administrative Offices. Rs.10 lacs donated to Santhi Bhavan Trust, Hosur, for installation of Solar Panel, distribution of Text book and study materials  Ambulance Van donated to Deena Daya Seva Trust Thodupuzha at a cost of Rs.7 lacs  Distributed water purifiers to schools through our entire net work.  Donated 5 ceiling fans each to deserving schools by all our offices

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