Beach picture photo

STATE BANK OF TRAVANCORE HEAD OFFICE THIRUVANANTHAPURAM ANALYST MEET AT MUMBAI 06 th Nov

BRIEF HISTORY OF STATE BANK OF TRAVANCORE Established as The Travancore Bank Ltd. on 12 th September 1945 Founder: Maharaja Chithira Thirunal Balarama Varma of the erstwhile princely State of Travancore Initial paid up capital of Rs one crore 30 percent by the then Government of Travancore Became a Scheduled Commercial Bank in 1946 In 1960, became a subsidiary of the State Bank of India Renamed State Bank of Travancore 3 3

Head Office & Registered Office at Thiruvananthapuram Central Data Centre at Belapur, Integrated Treasury at BKC Mumbai 3 Network GMs at Thiruvananthapuram, Ernakulam & Chennai 9 Modules and 27 Regional Offices 9 Specialised NRI branches 7 Commercial Branches for Corporate Credit 13 Mid Corporate Branches ORGANISATIONAL STRUCTURE 4

Bank at a Glance 5

Operating profit : Rs. 729 crore Net Profit Rs. 241 crore Book value Per Share Rs [Rs 10 face value] Earning Per Share Rs [Annualised] Net Interest income Rs crore – Up by Rs.153 crore (YoY) Performance Highlights – Sept

BUSINESS HIGHLIGHTS– Sept 2013 Sept 12Sept 13 Advances Growth (YoY%) 2117 Advances (ASCB market share) Deposits Growth (YoY%) 21 Deposits (ASCB market share)

Highlights – Profitability Parameters 8 (In %) Sept 12Sept 13YOY % Net Interest Income Other Income Operating Income Operating Cost Operating Profit Provision (other than tax) Net Profit

Efficiency Parameters 9 (In %) Efficiency ParametersSept 12Sept 13 Net Interest Margin Cost to Income Ratio CAR (BASEL III)NA10.13 EPS (Annualised) CoD YoA RoA RoE PCR

10 PERFORMANCE COMPARISION - JUNE 2013 Parameters SBTAll BanksPeer % Growth in Total Deposits % Growth in Gross Advances C.R.A.R. (Basel III) Gross NPA % Net NPA % Gross NPA + Std Restructured A/cs Ratio Credit Deposit Ratio Return on Equity % Return on Total Assets % Non Interest Income to Total income %

Shareholding Pattern - Sept

Dividend History 12

SHARE PRICE MOVEMENT 13 HIGH DATE LOW DATE (In Rupees) July Aug Sept

DEPOSITS CD RATIO(as per last Friday of the Quarter) Market Share & CD Ratio Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 ADVANCES ASCB Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 14

Advances - Exposure across Segments Sep-13 Sep Mar %

Major Industry-wise Restructured Assets 16 (In Rs crores) IndustryMar 13Sept 13 Iron & Steel Textiles Infrastructure Pharma Shipping & Transport Non-ferrous Metals Engineering

Major sector-wise NPA 17 (In Rs crores) IndustryMar 13Sept 13 Iron & Steel Textiles Infrastructure Food Processing Metals Engineering

DIRECT BENEFIT TRANSFER (DBT) : As part of DBT, Wayanad and Pathanamthitta Districts of Kerala were selected for AADHAR LINKING. We have opened lac accounts, linked with AADHAR for direct transfer for benefits under LPG and other Govt. Schemes as on FINANCIAL INCLUSION (FI): 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 areas basic banking services provided through Business Correspondents. As part of FI, lacs Basic Savings Accounts opened (of which in FI villages) Direct Benefit Transfer 18

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 Branches ATMs Debit Cards (in lac) Internet Banking (in lac) Mobile Banking (in lac) Alternate Channels 19 Sept 12 Mar 13 Sept 13YoY Incr.

CORPORATE SOCIAL RESPONSIBILITY Social Circle is a Unique activity of SBT Ambulance Van donated to Deena Daya Seva Trust, Thodupuzha at a cost of Rs.7 lac Rs lac distributed among 400 cancer patients of Regional Cancer Centre, Thiruvananthapuram. EEG Machine to Swami Vivekananda Medical Mission, Attappady Distributed water purifiers to schools through our entire network. Donated 10 ceiling fans each to deserving schools by all our offices. Ambulance costing Rs 8.05 lacs to St.Johns Health Service Pirappancode Akshaya Noon Meal Programme for school children was assisted by donating Rs. 3 lacs Donated Rs.5.40 lacs to Kozhikode Higher Secondary School for Handicapped to set up audiology lab Donated Rs.10 lacs to M/s.Santhi Bhavan Trust Hosur for Solar Panel 20

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