FINANCIAL HIGHLIGHTS FOR THE 3RD QUARTER & NINE MONTHS ENDED 31ST DECEMBER 2018

PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 Total Business of the Bank stood at Rs. 4,66,601 crore in December 31, 2018 as against Rs. 4,75,148 crore in December 31, 2017. Total Deposits stood at Rs. 2,95,419 crore in December 31, 2018 as against Rs. 2,95,446 crore in December 31, 2017. Gross Advances of the Bank stood at Rs. 1,71,182 crore in December 2018 as against Rs. 1,79,702 crore in December 2017. CASA percentage improved to 44.64 % in December 2018 as against 40.68 % in December 2017. High Cost Deposits stood at Rs 806 crore in December 31, 2018 as against Rs 1579 crore in December 31, 2017. Total Income for the quarter ended December 31, 2018 stood at Rs. 6329 crore as against Rs. 6590 crore for the quarter ended December 31, 2017. Operating Profit of the Bank stood at Rs 715 crore for the quarter ended December 31,2018 as against Rs 866 crore for the quarter ended December 31,2017 and Rs 509 crore for the quarter ended September 30,2018 Bank incurred Net Loss of Rs. 718 crore for the quarter ended December 31, 2018 as compared to Net Loss of Rs. 1664 crore for the quarter ended December 31, 2017 primarily due to higher NPA provisions for Rs 989 crores. Net-Interest Income of the Bank stood at Rs. 1816 crore for the quarter ended December 31, 2018 as against Rs. 1978 crore for the corresponding quarter ended December 31, 2017. Provision Coverage Ratio significantly improved to 69.52 % as on December 31, 2018 as against 62.49 % as on December 30, 2017 and 67.74 % as on December 31, 2017. CRAR under BASEL II is at 9.76 % with Tier I at 5.67 % whereas CRAR under BASEL III is 9.34 % with Tier I at 7.39 %. Government of India on 31.12.2018 has infused additional equity capital of Rs. 1678 crore into the Bank as part of the Recapitalization of PSBs, which will further help the Bank to improve its capital adequacy ratios. Net Interest Margin stood at 2.74 % in the quarter ended December 31, 2018 as compared to 3.06 % in the corresponding quarter as on December 31, 2017 .

PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 (Rs. in crore) PARAMETERS Q3 & 9M 17-18 FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Total Business 4,75,148 4,49,679 4,68,534 4,69,881 4,66,601 (1.80) Total Deposits 2,95,446 2,96,671 2,93,595 2,95,692 2,95,419 (0.01) Of which Core Deposits 2,93,867 2,83,315 2,92,819 2,94,891 2,94,613 0.25 Of which HighCost Deposits (% to total deposits) 1,579 (0.53) 13,356 (4.50) 776 (0.26) 801 (0.27) 806 (48.95) Total Loans and Advances 1,79,702 1,53,008 1,74,940 1,74,189 1,71,182 (4.98) Investments 1,02,017 93,792 1,11,879 1,07,826 1,18,287 13.75 CD Ratio 60.82 51.57 59.59 58.91 59.11 (2.89)

PERFORMANCE HIGHLIGHTS- Q3 & 9M 2018-19 (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Gross Income 6,590 20,357 26,659 5,905 6,197 6329 18431 (4.12) Gross Expenses 5,724 18,171 23,926 5,521 5,688 5614 16823 (1.96) Operating Profit 866 2,186 2,733 384 509 715 1608 (21.12) Net Profit (1664) (2991) (5,105) (1,522) (924) (718) (3164) (131.75) Net Interest Income 1,978 5,018 6,517 1,678 1,675 1816 5169 (8.92) Net Interest Margin 3.06 2.50 2.47 2.61 2.62 2.74 2.64 (11.68)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BRANCH SEGMENTATION : AS ON 31ST DECEMBER, 2018 Total Branches 4666 Rural 1605 Semi Urban 1346 Urban 830 Metropolitan 885 ATMs 3887 USBs

BUSINESS

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Segment-wise Deposits (Rs. in crore) Deposits Q3 & 9M 17-18 FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Current 13,271 14,687 13,615 13,279 14,702 10.78% Savings 1,06,918 1,10,509 1,11,814 1,15,361 1,17,174 9.59% Total CASA 1,20,189 1,25,196 1,25,429 1,28,640 1,31,876 9.72% Core Term 1,73,678 1,68,793 1,67,390 1,66,251 1,62,737 (6.72) Total Core Deposits 2,93,867 2,93,989 2,92,819 2,94,891 2,94,613 0.25 High Cost 1,579 850 776 801 806 (95.90) Total Deposits 2,95,446 2,94,839 2,93,595 2,95,692 2,95,419 (0.01) CASA % 40.68 42.46 42.72 43.50 44.64 8.87

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Loans and Advances Segment Wise (Rs. in crore) PARTICULARS Q3 & 9M 17-18 FY 17-18 Q1 18-19 Q2 Q3 & 9M Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Total Loans & Advances 1,79,702 1,77,484 1,74,940 1,74,189 171182 (4.98)) Corporate Credit 57,407 64,560 54,187 55,320 54061 (6.19) (% to total Loans & Advances) 31.95% 36.38% 30.97% 31.76% 31.58 (1.17) Agriculture 36,682 30,776 37,502 36,827 35304 (3.90) 20.41% 17.34% 21.43% 21.14% 20.62 1.02 MSME 39,175 34,025 35,045 33,741 33560 (16.73) 21.80% 19.17% 20.03% 19.37% 19.60 (11.22) Retail 46,438 48,123 48,206 48,301 48,257 3.77 25.84% 27.11% 27.56% 27.73% 28.19% 8.33 - Housing 20,444 21,392 21,714 22,107 22441 8.90 - Education 4,067 3,965 3,998 4,001 - Others 21,927 22,766 22,314 22,193

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PRIORITY SECTOR LENDING (Rs. in crore) Type of Advances Q3 & 9M 17-18 FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Priority Sector Advances (% to ANBC) 80,851 (40.78 73,284 (44.00) 87,412 (39.49) 28,297 (42.15) 81,149 (42.16) 0.37% Agriculture 36,682 (18.50) 30,776 (18.48) 37,502 (18.70) 36,827 (19.80) 35,304 (18.34) (3.76) MSME (PS) 37,092 (18.71) 33,223 (19.95) 35,045 (14.95) 33,741 (17.28) 33,060 (17.18) (10.87)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Performance of Retail Advances (Rs. in crore) DESCRIPTION Q3 & 9M FY Q1 Q2 Y-o-Y 17-18 18-19 Growth   (Q3 FY 19 – o – Q3 FY 18) (%) HOUSING LOAN 20,444 21,392 21,714 22,107 22,441 9.77 EDUCATION LOAN 4,067 3,965 3,998 4,001 4,009 -1.43 CENT PERSONAL GOLD LOAN 808 793 776 755 715 -11.51 Cent Mortgage 8,690 8,980 8,836 8,734 8,593 -1.12 Cent Trade 5,118 5,471 5,256 5,422 5,400 5.51 Others 7,311 7,522 7,446 7,282 7,099 -2.90 Grand Total 46,438 48,123 48,026 48,301 48,257 3.92

PROFITABLITY

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY (Rs. in crore) PARAMETERS Q3 17-18 9M FY 2017-18 Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Gross Income 6,590 20,357 26,659 5,905 6,197 6329 18431 (4.12) Gross Expenses 5,724 18,171 23,926 5,521 5,688 5614 16823 (1.96) Operating Profit 866 2,186 2,733 384 509 715 1608 (21.12) Net Profit (1664) (2991) (5,105) (1522) (924) (718) (3164) (131.75)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK- UP : INTEREST INCOME (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Interest on Advances 3,796 11,080 14,478 3,328 3,317 33509 10004 (13.01) Interest on Investments 1,766 5,266 7,138 1,982 2,034 2101 6115 (15.94) Other Interest Income 465 2,058 362 127 336 325 1043 (43.08) Total Interest Income 6,027 18,404 24,036 5,692 5,685 5785 17162 (4.18)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK UP : NON INTEREST INCOME (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o –Q3 FY 18) (%) Non Interest Income 563 1953 2623 213 512 544 1269 (3.49) Of which: Profit on sale of investments 97 523 577 (264) 59 139 (66) 30.21 Commission/ Exchange 356 877 1262 259 301 282 842 (26.24) Recovery in written off a/cs 30 262 410 121 57 25 203 (20.00) Profit on Exchange Transactions 33 91 141 38 34 32 104 (31.25) Others 47 200 233 66 186 28.79 Total Income 6590 20357 26,659 5,905 6197 6329 18431 (41.24)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK-UP : INTEREST EXPENSES (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Interest on deposits 3,877 12,265 16,222 3,843 3,853 3824 11520 (1.38) Interest on Sub-ordinated debts 123 349 449 105 107 112 323 (9.82) Interest on borrowings/ refinance 49 772 843 66 50 31 146 (58.06) Total interest Expenses 4,049 13,387 17,519 4,014 4,010 3969 11993 (2.01)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 BREAK-UP : OPERATING EXPENSES (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Y-o-Y Growth (Q3 FY 19 – o – Q3 FY 18) (%) Establishment 1,068 3,070 3,984 966 1,016 1037 3019 (2.99) II. Other Optg. Expenses 607 1,716 2,423 541 662 608 1811 0.16 Total optg. Expenses 1,675 4,786 6,407 1,507 1,678 1645 4830 (1.82) Gross Expenses 5,724 18,171 23,926 5,521 5,688 5614 16823 (1.96)

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROVISION (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 For NPAs (Including Restructured Assets) 2868 (-198) 5510 (-376) 10,543 (-951) 2,540 (-135) 1,849 (-220) 2077 (-5) 6466 (-360) On Standard Assets (6) 45 7 (3) (19) (4) (26) Provisions on Investments 570 1134 799 502 441 (229) 714 Tax (897) (1481) (2791) (862) (550) (378) (1790) Others (5) (31) 266 (136) (68) (28) (232) Total Provision & Contingency 2530 5177 7,838 1,906 1433 4772 Provision Coverage Ratio 62.49 63.31 66.42 67.74 69.52

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 PROFITABILITY INDICATORS (%) PARAMETERS (%) Q3 17-18 9M FY Q1 18-19 Q2 Return on Assets (2.13) (1.25) (1.61) (1.85) (1.11) (0.86) (1.27) Yield on Advances 8.35 8.67 8.31 7.39 7.38 7.51 7.42 Yield on Investments 7.10 7.17 7.14 7.16 7.21 7.18 Cost of Deposits 5.29 5.57 5.53 5.25 5.23 5.24 Cost of Funds 5.39 5.92 5.79 5.37 5.31 8.72 8.76 Cost to Income Ratio 65.91 68.64 70.10 79.71 76.74 69.70 75.03

ASSET QUALITY & CAPITAL STUCTURE

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 NPA MOVEMENT (Rs. in crore) PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Gross NPAs: Opening Balance 31,641 27,251 38,131 38,778 37411 Add: Slippages 3,232 9,204 17,072 2,937 2611 2456 8004 Less: Deductions 1.Write Off 1,648 1,714 2,924 451 2734 4069 7254 2.Upgradation 159 700 785 535 (115) 7 427 3.Recoveries 575 1,550 2,403 1,304 1,359 458 3121 4.Reduction due to sale 80 Total Deductions 2,382 3,964 6,192 2,290 3,978 4534 10802 Gross NPAs 32,491 37,411 35333

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 NPA MOVEMENT (Rs. in crore)…..contd. PARAMETERS Q3 17-18 9M FY Q1 18-19 Q2 Gross NPAs 32,491 38,131 38,778 37,411 35333 Gross Credit 1,79,702 1,77,484 1,74,940 174189 171182 Gross NPA as % of Gross Advances 18.08 21.48 22.17 20.64 Net Advances 1,62,045 1,56,542 1,52,064 1,52,397 151267 Net NPA 15,311 17,378 16,086 15,794 15605 Net NPA as % of Net Advances 9.45 11.10 10.58 10.36 10.32

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 SECTOR- WISE NPA (Rs. in crore) SECTOR Q3 & 9M 17-18 FY Q1 18-19 Q2 IRON & STEEL 5,111 4,986 4,107 4,311 4,513 ENGINEERING & MANUFACTURING 4,536 5,188 5,190 5,282 4,705 INFRASTRUCTURE 3,203 4,059 4,378 3,637 3,877 TEXTILES 2,535 2,660 2,742 1,457 1,121 CONSTRUCTION 1,097 1,717 1,721 1,943 1,537 POWER-GENERATION 2,108 3,404 3,240 3,166 2,822 GEMS & JWELLERY 738 1,164 1,162 1,093 515 OIL INDUSTRY 216 2,128 2,203 2,475 2,479 AVIATION OTHERS 12,947 12,825 14,035 14,047 13,764 TOTAL 32,491 38,131 38,778 37,411 35,333

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 SEGMENT WISE NPA (Rs. in crore) SECTOR Q3 & 9M 17-18 FY Q1 18-19 Q2 Agriculture (% to Sectoral Advances) 2,356 (6.63) 2,516 (7.36) 2,644 (7.92 2,717 (7.62) 2,788 (7.83) Industry 24,118 (30.70) 29,838 (37.78) 30,124 (40.48) 27,703 (37.61) 25,056 (33.88) Services 3,860 (20.14) 3,642 (15.57) 3,630 (14.91) 4,462 (26.93) 4,356 (32.75) Retail 2,157 (4.64) 2,135 (4.44) 2,380 (4.95) 2,529 (5.23) 3,133 (6.48) Others Total 32,491 38,131 38,778 37,411 35,333

PERFORMANCE HIGHLIGHTS- Q3 FY 2018-19 RESTRUCTURED ASSETS (Amount Rs. in crore) Below Rs 1 Crore 1 Cr. & Above Total SL DETAILS OF RESTRUCTURED ACCOUNTS No of A/Cs AMOUNT (Rs in Cr) 1 Total Restructured Assets position as on 31.12.2018 15648 628.02 111 5916.74 15759 6544.76 2 - Of which NPA 2714 62.99 95 5022.36 2809 5085.35 3 Net Standard Restructured as on 31.12.2018 12934 565.03 16 894.38 12950 1459.41 5 % of Net Standard Restructured Advances Portfolio to Total Loans & Advances as on 31.12.2018 0.33% 0.52% 0.85% 6 Fresh addition in Total Restructured Assets in Q3 FY 2018-19 11136 504.73

PERFORMANCE HIGHLIGHTS- Q3/FY 2018-19 Total Restructured Assets RESTRUCTURED ASSETS ( Rs. IN CRORES) POSITION AS ON Total Restructured Assets CDR Non-CDR No. of A/Cs Amt. DECEMBER 2017 6856 9896 40 4784 6816 5112 MARCH 2018 5557 8236 33 3671 5524 4565 JUNE 2018 5253 7731 29 3396 5224 4335 SETEMBER 2018 4860 6552 26 2711 4834 3841 DECEMBER 2018 15759 6545 23 2230 15736 4315

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Shareholding Pattern – 31st December 2018 Government of India 88.02 Bank & FI s (Including Life Insurance Corporation of India) 8.87 FII s 0.31 Insurance Cos. (Other than LIC) 0.22 Other Body Cos. 0.91 Public (Resident Individuals & HUF) 1.44 NRIs 0.03 Others 0.20

PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 CAPITAL ADEQUACY (%) Q3 & 9M 17-18 FY 18-19 BASEL II CRAR 8.37 9.46 9.76 Tier I 4.54 5.50 5.67 Tier II 3.83 3.96 4.09 BASEL III 7.87 9.04 9.34 CET 1 5.87 7.01 7.39 AT 1 -- 2.00 2.03 1.95

Total No. of Accounts opened Total : 1,26,20,980 Rural : 1,03,23,388 PERFORMANCE HIGHLIGHTS - Q3 & 9M 2018-19 Overall status implementation of PMJDY as on 31-12-2018 Sr. No. Items Progress 1.        Total No. of Accounts opened Total : 1,26,20,980 Rural : 1,03,23,388 Urban: 22,97,592 2.        Out of (1) Aadhaar seeded account 1,00,90,458 3.        Out of (1) No. of RuPay Debit Card issued 1,18,06,6000 4.        O/S Balance in these accounts (Rs.) Rs. 2654.74 crores 5. SSA Allotted to our Bank 7923 6. SSA Coverage Covered through Branch--1536 Covered through BC--------6387 Total SSA Covered ----------7923

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