j inancia{ su{ts March 2016

STATE BANK OF MYSORE Highlights of Performance for FY16 Bank rated # 1 in Credit Quality for FY15 FE survey Mar 16 24% increase in Fee based Income CASA at 34.6% up by 90 bps Retail Advances share upped to 50% of Loan Book

Performance Highlights YoY Growth FY16 over FY15 CRAR 101 bps Fee Income 23.4% CASA 90 bps Impaired Assets 105 bps Capital Adequacy Ratio (Basel III) CET I 9.01% Overall 12.43%

NII and Operating Profit ` in crs Q4 FY16 Q4 FY15 YOY% FY 16 FY 15 Interest Income 1,776 1,792 -1 7,128 6,940 3 Other Income 300 260 15 810 768 5 Of which Fee Income (Commn / Exch) 232 161 44 560 454 23 Total Income 2,076 2,052 1 7,938 7,708 Interest Expenses 1,229 1,239 5,012 4,853 Net Interest Income 547 553 2,115 2,087 Operating Expenses 437 410 7 1,674 1,524 10 Operating Profit 402 2 1,251 1,331 -6

Net Profit - a Snapshot ` in crs Q4 FY16 Q4 FY15 YOY% Operating Profit 410 402 2 Total Provisions 306 266 15 Income Tax 42 82 -49 Net Profit 105 136 -23 FY16 FY15 YOY% 1,252 1,331 -6 894 922 -3 128 187 -32 358 409 -12

Quarterly Movement in Income Parameters ` in crs Net Intt Income Op Profit Net Profit

Key Performance Indicators: Performance Ratios

Movement in Net Interest Margin NIM – cumulative Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 3.02 3.08 2.95 2.98 2.89 2.84 2.80

Interest Spread Yield on Advances Cost of Deposits Cost of Funds - Aggregate Interest Spread

Retail Deposits Agg Dep 70,224 (8%) 65,058 Tot Dep 70,569 (7%) 66,064 ` in Crs Particulars Mar 16 Mar 15 Market Share % 0.73 0.76 Bulk Dep 8,077 11,627 (% to Tot Dep) (11.4) (17.6) of wch: abv Card Rate 836 (CD) 4,114 (1.2) (6.2) Below & at Card Rate 7,241 7,513 (10.3) CASA 24,307 21,945 (% to Agg Dep) (34.6) (33.7) Agg Dep 70,224 (8%) 65,058 Tot Dep 70,569 (7%) 66,064 Retail Dep 61,481 (15%) 53,431 (YoY %) (-31%) (20%) (7%) (11%)

Sectoral Distribution of Advances ` in Crs 0.74% Market Share 0.78% 55,418 4 % YoY Gr 53,296 Share % Mar 16 Mar 15 Per 22 20 Agri 17 ME 2 1 MSE 9 8 C&I 50 54 Total 100 (YoY%) (16%) (4%) (81%) (10%) (-3%) # Priority Sector figures have been re-grouped as per new revised RBI guidelines

Retail Advances ` in crs Distribution of Retail Loans(%) Distribution of Home Loans(%) 12,175 10,500 Total 6,450 5,372 Total Avg tkt size: 13.51 11.86 lacs Level Home Auto Edu Other Per. Total Mar 15 5,372 826 657 3,645 10,500 Mar 16 6,450 969 699 4,057 12,175 YOY Growth 1,078 143 42 412 1,675 YOY Growth % 20 17 6 11 16 5 year CAGR(%) 21 31 23

CD Ratio & Market Share CD RATIO MARKET SHARE DEPOSITS ADVANCES in % * As on 18.03.2016

Capital Adequacy (` in crs) CAR % 11.28 11.08 11.16 10.73 11.65 11.42 11.22 11.29 11.92 12.43 Basel III Mar 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 RWA (` in crs) 44,073 46,251 45,853 47,737 47,768 51,140 52,312 52,484 51,830 54,091

Asset Quality Mar 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 PCR % 60 69 72 ` in crs (%) Mar 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 PCR % 60 69 72 66 59

Gross NPAs by Sector Break-up of Gross NPAs ` in crs Segment-wise Gross NPAs to Total Gross NPAs (%) Sector Mar 16 Mar 15 Mar 14 NPA Ratio % C&I 2,824 9.6 1,369 4.6 1,848 6.1 Agri 382 4.7 397 5.0 531 7.5 MSE 253 224 4.3 280 6.2 Per 177 1.5 146 1.4 160 1.8 Total 3,636 6.6 2,136 4.0 2,819 5.5

NPA Position - Industry wise ` in crs I ndust r y N P A s a s on 3 1. 0 3 . 2 0 16 Fr e sh S l i pa ge s dur i ng N P A s a s on 3 1. 0 3 . 2 0 15 Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 Iron & Steel 1,004 1,103(444)* 436 (436) 41 141 Engineering 394 72 169 65 121 54 Trading & Services 154 78 35 22 20 166 Power 320 128(106) 15 290 Pharmaceut icals 47 1 8 73 Text iles & Readymades 107 2 6 186 Roads & Ports 126 33(33) 85 Gems & Jewellery 138 140 M etals & M ines 90 72 (68) Paper Indust ries 55 53 Hot els 11 15 (15) 28 Petroleum & Veg Oils 127 100(18) 173 cement 48 17 30 Elect ricals 69 21 46 (46) Information Tech. 36 43 Chemicals 27 23 10 Food Processing 272 253 24 CRE/ Real Est ate 3 9 Educat ional Inst itutions 4 18 PER 177 56 74 147 AGRI 377 63 34 (6) 397 M iscellaneous 70 31 16 95 Grand T o tal 3 , 6 3 6 1, 9 56 ( 6 0 1) 9 3 1 ( 571) 401 286 2 , 13 6 Figures in Brackets indicates AQR related a/cs

Movement of NPAs PARTICULARS Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 Q4 FY15 ` in crs PARTICULARS Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 Q4 FY15 Opening Level - GNPAs 2,915 2,176 2,214 2,136 2,584 Recovery 169 51 124 34 287 Up gradation 723 129 26 118 258 Write off 162 2 260 56 80 Sale to ARCs 181 10 29 69 Fresh Slippages 1,956 (601)* 931 (571)* 401 286 246 Net Increase 721 739 -38 78 -448 Closing Level - GNPAs 3,636 Recovery in W/o Accounts 23 13 11 12 * (In respect of AQR related accounts)

Movement of Impaired Assets ` in crs Particulars Mar 16 Dec 15 Sep 15 Jun 15 Mar 15 Mar 14 1 Gross Advances 55,418 53,191 51,926 52,612 53,296 50,862 2 Gross NPAs 3,636 (601)* 2,915 (571)* 2,176 2,214 2,136 2,819 3 Net NPAs 2,257 1,617 1,128 1,077 1,121 1,630 4 Restructured Standard (as per revised RBI norms) 1,730 2,040 2,906 3,358 3,581 3,347 5 Total Gross NPAs + Rest Std. ( 2+4 ) 5,366 4,955 5,082 5,572 5,717 6,166 6 Total Net NPAs +Rest Std. ( 3+4 ) 3,987 3,657 4,034 4,435 4,702 4,977 7 Gross NPA + Restructured Standard to Gross Adv. % ( 5 ÷ 1 ) 9.68 9.32 9.79 10.59 10.73 12.12 8 Net NPA + Restructured Standard to Gross Adv. % ( 6 ÷ 1 ) 7.19 6.88 7.77 8.43 8.82 *(AQR related accounts)