Relationship beyond banking 1

3

Awards & AccoladesAwards & Accolades 4

Relationship beyond banking Awards & AccoladesAwards & Accolades 5

Relationship beyond banking New IntiativesNew Intiatives 6

Relationship beyond banking IT IntiativesIT Intiatives 7

Relationship beyond banking Investor Profile- Shareholding Pattern (%)Investor Profile- Shareholding Pattern (%) 8

Relationship beyond banking Global Footprints – Foreign Branches of the BankGlobal Footprints – Foreign Branches of the Bank Japan (Tokyo & Osaka) Phnom Penh Singapore Jakarta Ho Chi Minh Hong Kong Kowloon Shenzen Jo’burgh (SA) Kenya (Nairobi, Mombasa, Ind Area & Westlands) Europe -France (Paris) -Belgium (Antwerp) UK (London + 7branches) Channel Islands USA (New York & SFO) West Indies - Cayman Islands Tanzania (Subsidiary) Dubai 9

Relationship beyond banking Strategic Investments - Alliances & Jt. VenturesStrategic Investments - Alliances & Jt. Ventures 10

Relationship beyond banking Strategic Investments - Alliances & Jt. VenturesStrategic Investments - Alliances & Jt. Ventures 11

Relationship beyond banking Credit Rating - International & DomesticCredit Rating - International & Domestic

Relationship beyond banking 13 Highlights

Relationship beyond banking Major Business ParametersMajor Business Parameters 14 Quarter ended Mar-10Jun-10Sep-10Dec-10Mar -11 Business Mix4,010,7884,104,9274,254,4794,452,7955,150,401 Deposits2,297,6192,336,6782,410,7112,525,2572,988,858 Advances1,713,1691,768,2491,843,7681,927,5382,161,543 Operating Profit12,75414,10613,79613,88812,053 Net Profit4,2797,2516,1686,5324,936 NIM (%) Gross NPA (%) Net NPA (%) Return on Assets(%) Rtn. on Equity (%) Book Value (INR)

Relationship beyond banking Deposits 15

Relationship beyond banking Domestic Deposits (CASA) 16

Relationship beyond banking Domestic Deposits – Category-wise 17

Relationship beyond banking Gross Advances 18

Relationship beyond banking Domestic Advances – Category Wise as on

Relationship beyond banking Key Sectors(Domestic Credits) Mar-10Mar-11% Y-o-Y Growth Agriculture182,560227, SME (Priority & Non Priority)295,680355, Retail Credit157,500166, Corporate716,200901,

Relationship beyond banking Major Industry-wise Advances - Domestic 21 Mar-10June-10Sep-10Dec-10Mar-11 YoY Growth % Textiles59,20059,21061,82063,69071, Chemicals & Chemical products 38,36037,35038,84039,24043, Rubber, Plastic & their products 12,82013,67015,55016,16018, Basic metal & metal products 84,21091,26091,45093,390104, Vehicles, vehicle parts & Transport equipment 17,89014,90022,36023,34023, Gems & Jewellery23,21022,93025,47025,53028, Infrastructure164,950190,880200,610200,980204, Other Industries143,130146,650116,720122,570143,

Relationship beyond banking Advances to Sensitive Sectors - Domestic 22 SECTOR MAR-10JUNE-10SEP-10DEC-10Mar-11 % of Total Advances Total Advances 1,351,9401,393,5911,446,9631,509,0301,651, % REAL ESTATE 182,153194,960177, ,974203, % Out of which  HOUSING LOAN 71,50084,50074,49075,61074, %  MORTGAGE LOAN 17,21016,59015,77015,19014, %  COMML. REAL ESTATE 59,96252,79047,01047,01340, %  Others(Invest & Indirect) 33,46141,08040,80058,54073, %  CAPITAL MARKET 33,20433,01530,60033,04432, %

Relationship beyond banking Overseas Advances - Breakup * Others include Staff Loans,Bills discounted for other banks, syndication/ECB loans, FCTL, etc. Mar-10Mar-11 TRADE31, ,294.7 MANUFACTURING 51, ,487.3 REAL ESTATE 10, ,335.4 LOAN AGAINST DEPOSITS 7, ,367.2 BUYERS CREDIT180, ,181.3 OTHERS * 78, ,405.1 TOTAL361, ,

Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10MnTotal AmountAmount As on ,75017,11091,86014,267106,127 Additions during Q1 3, Less Repayment in Restructured a/cs -3,730 -4,130 -7,860 As on ,04012,98087,02014,267101,287 Additions during Q2 3, ,458- Less Repayment in Restructured a/cs -4,421- As on ,88513,17286,05714,267100,324 RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 24

Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10 MnTotal AmountAmount As on ,88513,17286,05714,267100,324 Additions during Q3 6, ,187 Less Repayment in Restructured a/c s / Exchange fluctuation -2, , As on ,53013,39290,92212,558103,480 Additions during Q4 5,108 2,297 7,405- Less Repayment in Restructured a/c s -3, , ,439 As on ,67315,45194,12412,322106,446 RESTRUCTURED ACCOUNTS (Contd…) Includes all facilities of the borrowers 25

Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on ,1541,50717, Additions during Q Less Repayment in Restructured a/c s 1, ,193- As on ,7801,47517, Additions during Q2 2, ,657- Less Repayment in Restructured a/c s As on ,7031,51319,

Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS (Contd…) 27 DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on ,7031,51319, Additions during Q Less Repayment in Restructured a/c s / Exchange fluctuation 1, ,003- As on , , Additions during Q ,298- Less Repayment in Restructured a/c s As on ,8851,25318,

Relationship beyond banking Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q4 28 SECTORAMOUNT AGRICULTURE141 CEMENT255 CHEMICALS902 HOTEL973 INFRASTRUCTURE273 MISC261 OTHER METAL262 STEEL293 SUGAR341 TEXT1071 TRADING336

Relationship beyond banking Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) 29 June 09Sep 09Dec 09Mar 10June 10Sep 10Dec 10Mar 11 Number of Accounts slipped during Quarter Amount in INR/Mn 7308,3903,6003, ,

Relationship beyond banking Sector-wise breakup of restructured accounts Slipped (>10 Mn) (Domestic) 30 Industry Amount AGRICULTURE14.73 CHEMICALS14.42 ENGINEERING INFRASTRUCTURE MISC57.86 SERVICES STEEL87.71 TEXTILES11.94 TRADING46.59 TOTAL972.13

Relationship beyond banking Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 31 S.NoSectorQtr Jun’10 Qtr Sep’10 Qtr Dec’10 Qtr Mar’11 1 AGRICULTURE CHEMICALS CRE ENGINEERING INFRASTRUCTURE MISC PAPER & PAPER PRODUCTS SERVICES STEEL TEXTILES TRADING AGGREGATE

Relationship beyond banking NPA Ratio 32

Relationship beyond banking Mar-10June-10Sep-10Dec-10Mar-11 Gross NPA48,82647,94548,69645,42148,116 Net NPA22,07420,61220,70416,60319,450 Gross NPA % Net NPA % Provision Coverage Ratio % NPAs 33

Relationship beyond banking NPA Movement Mar-10Mar-11 Indian ForeignGlobalIndianForeignGlobal Opening Gross NPA 21,8972,81224,709 44,8124,01548,826 Total Reduction 15, ,688 27,0761,05928,135 Recovery 6, ,216 8, ,953 Upgradation 1, ,035 10, ,378 Write-off 7,42987,437 8, ,804 Slippages 39,9671,64941,616 27,5001,62229,122 Net Addition/Reduction 24,6871,24125, Gross NPA 46,5844,05350,637 45,2364,57849,813 Less Unrealised Interest on NPA 1,772381,809 1,670271,697 Closing Gross NPA 44,8124,01548,826 43,5664,55148,116 34

Relationship beyond banking NPA Sequential Movement Mar-10June-10Sep-10Dec-10Mar-11 Opening Gross NPA ,826 47,94748, Total Reduction 7,6686,907 6,6947,8136,721 Recovery 2,0662,415 1,8512,0762,611 Upgradation 4852,090 1,1536,1091,026 Write-off 5,1172,402 3, ,084 Slippages 15,0266,180 8,1844,7659,993 Net Addition/Reduction 7, ,4893,048-3,272 Gross NPA 49,22848,099 49,43645,64848,693 Less Unrealised Interest on NPA Closing Gross NPA 48,82647,947 48,69645,42148,116 35

Relationship beyond banking Mar-10 June-10Sep-10 IndianForeign Global IndianForeignGlobalIndianForeignGlobal Closing Gross NPA 44,8124,01548,826 43,8694,07747,94744,2324,46448,696 Total Nettable Credits 24,0232,72826,751 25,8822,81728,69926,4862,91429,400 NPA Provision 19,2652,72821,993 19,8382,81722,65518,7682,89921,667 Other credits 4,758- 6,044- 7,718157,733 Net NPA 20,7891,28622,075 19,3601,26020,62019,1391,56520,704 Gross NPA Ratio (%) Net NPA Ratio (%) Provision Coverage Ratio (%) NPA Ratios 36

Relationship beyond banking Dec-10Mar- 11 IndianForeignGlobalIndianForeignGlobal Closing Gross NPA 40,9824,43845,421 43,5664,55148,116 Total Nettable Credits 27,3073,20030,50725,4823,18428,666 NPA Provision 19,5563,18522,74119,0643,18422,248 Other credits 7,751157,7666,4180 Net NPA 15,3481,25416,60318,3921,36719,450 Gross NPA Ratio (%) Net NPA Ratio (%) Provision Coverage Ratio (%) NPA Sequential Ratios 37

Relationship beyond banking Sector wise Breakup of NPA - Domestic Mar- 11 % of Total NPA % of Total Sectoral Advances Agriculture Industry Services Personal Loans DOMESTIC ( TOTAL) FOREIGN GLOBAL (TOTAL)

Relationship beyond banking Overseas NPAs Mar -10Mar- 11 TRADE1,786.92,018.7 MANUFACTURING REAL ESTATE 1,173.61,222.1 OTHERS TOTAL4,014.44,

Relationship beyond banking Profitability(Qtr sequential) 40

Relationship beyond banking Profit – Summary 41 Qtr Mar 2010 Qtr June 2010 Qtr Sep 2010 Qtr Dec2010 Qtr Mar 11 Variation Y-o-Y (%) 1 Interest Earned45,25148,21751,55654,67563, Interest Expended29,73430,81233,79534,80639, Net Interest Income (1 - 2)15,51717,40517,76119,86923, Non-Interest Income 7,232 5,859 5,845 6,482 8, Total Operating Income (3+4)22,74923,26423,60626,35131, Operating Expenses 9,995 9,158 9,81012,46319, Operating Profit (5 - 6)12,75414,10613,79613,88812, Total Provision 8,475 6,854 7,628 7,356 7, Net Profit 4,279 7,2516,168 6,5324,

Relationship beyond banking Profitability (Y-o-Y) Income Year ended Y-o-Y % Mar 10Mar Total Income 204,946243, a. Interest Income 178,780217, b. Non Interest Income 26,16626, Total Expenditure 157,899190, a. Interest expended 121,220139, b. Operating Expenses 36,67850, Operating Profit 47,04853, Profit before Tax 24,93834, Profit After Tax 17,41124,

Relationship beyond banking Profit Geographical Distribution Year ended Y-o-Y % Mar 10Mar 11 Operating Profit Global47,04853, Indian41,60746, Foreign5,441 7, Provisions Global29,63728, Indian27,15126, Foreign2,486 2, Net Profit Global17,41124, Indian14,45619, Foreign2,955 4,

Relationship beyond banking Net Interest Income 44 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 Variation Y-o-Y (%) TOTAL INTEREST INCOME 45,25048,21751,55554,675 63, INT. INCOME FROM ADVANCES 32,75234,91936,59840,234 43, INT. INCOME FROM INVESTMENTS 11,93211,77613,07112,750 14, OTHER INTEREST INCOME 5661,5221,8861,691 5, TOTAL INTEREST EXPENDED 29,73330,81333,79534,806 39, INT. EXPENDED ON DEPOSITS 26,06827,49829,16029,879 35, INT. EXPENDED ON BORRROWINGS 1,6601,2512,0652,473 2, INTEREST EXPENSES ON SUBORDINATED DEBT etc. 2,0052,0632,5702,454 2, NET INTEREST INCOME ,40517,76019,869 23,

Relationship beyond banking 45 Net Interest Income(Y-o-Y) Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Interest Income 178, , a. From Advances 131, , b. From Investments 44,643 51, c. Other Interest Income 3,105 10, Interest Expended 121, , a. On Deposits 108, , b. On Borrowings 5,556 8, c. Subordinated Bonds 4,665 6, d. Others 2,877 3, Net Interest Income 57,559 78,

Relationship beyond banking Non-interest Income 46 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar- 11 Variation Y-o-Y (%) Treasury: PROFIT FROM SALE OF SECURITIES , PROFIT FROM EXCHANGE TRANSACTIONS 1,2831,3091,1111,2711, Sub Total (A) 1,9442,3081,4711,8632, Core-banking Operations: COMMISSION / EXCHANGE / BROKERAGE 3,3382,4983,0072,8383, OTHER NON-INTEREST INCOME 1, ,0651,1241, Sub Total (B) 4,3533,1824,0723,9624, RECOVERY IN WRITTEN OFF ACCOUNTS (C) TOTAL NON-INTEREST INCOME (A+B+C) 7,2325,8595,8456,4838,

Relationship beyond banking Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Commission, Exchange & Brokerage10,96511, Profit from Sale of Investments5,936 3, Profit from Exchange Transactions3,718 5, Recovery In W/o accounts2,137 2, Other Non Interest Income3,410 4, Total Non Interest Income26,16626, Core Non Interest Income Net of Treasury & Recovery in W/o Accounts 14,37515, Non Interest Income(Y-o-Y)

Relationship beyond banking Operating Expenses - A break up 48 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 Variation Y-o-Y (%) Payments to & Prov. for Employees 5,986 5,738 6,0318,36914, Rent, Taxes & Lighting Printing & Stationery Advertisement & Publicity Dep. on Bank's Property Auditors' Fees & Expenses Law Charges Postage, Telegram, phones etc Repairs & Maintenance Insurance Other Expenditure 1,773 1,656 1,8211,9622, TOTAL 9,995 9,158 9,80912,46319,

Relationship beyond banking Operating Expenses (Y-o-Y) 49 Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Payments to & Prov. for Employees 22,960 34, Rent, Taxes & Lighting 2,440 2, Printing & Stationery Advertisement & Publicity Dep. on Bank's Property 1,013 1, Auditors' Fees & Expenses Law Charges Postage, Telegram, phones etc Repairs & Maintenance Insurance 1, Other Expenditure 6,577 7, TOTAL 36,677 50,

Relationship beyond banking Net Profit 50 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 OPERATING PROFIT12,75414,10613,79613,88812,053 TOTAL PROVISIONS8,4756,8557,6287,356 7,117 -PROVISION FOR NPA6,6003,0782, ,367 -PROVISION FOR INVESTMENTS 1, PROVISION FOR TAXATION 3852,9962,3542,3772,340 -OTHER PROVISIONS ,7833,0851,332 NET PROFIT4,2797,2516,1686,5324,936

Relationship beyond banking Net Profit (Y-o-Y) 51 Year ended Mar 10 Year ended Mar 11 Variation Y-o-Y(%) OPERATING PROFIT47,04853, TOTAL PROVISIONS29,63728,955 -PROVISION FOR NPA17,54210, PROVISION FOR INVESTMENTS 2,435 1, PROVISION FOR TAXATION 7,52810, PROVISION FOR STANDARD ASSETS 310 1, PROVISION FOR FITL PROVISION FOR RESTRUCTURE FLOATING PROVISION -1,580 - PROV. FOR CLAIM AGAINST BANKS -2,160 - DEBT WAIVER/DEBT RELIEF OTHER PROVISIONS NET PROFIT17,41124,

Relationship beyond banking Appropriations Mar 10Mar 11 Statutory Reserve 4,500 6,250 Revenue Reserve6,25612,158 Capital Reserve Special Reserve – Currency Swap Dividend (including dividend tax)4,286 4,443 Special Reserve u/s Sec36(1) (viii) OF Income Tax Act,19612,000 TOTAL17,41024,887

Relationship beyond banking Cost & Yield Ratios –Quarterly Comparison 53 Qtr Mar-10Qtr June-10Qtr Sep-10Qtr Dec 10Qtr Mar 11 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Cost of Deposits Yield on Advances Yield on Investments Yield on Funds Cost of Funds N.I.M

Relationship beyond banking Mar 2010Mar 2011 IndianForeignGlobalIndianForeignGlobal Cost of Deposits Cost of Funds Yield on Advances Yield on Investments Yield on Funds Interest Spread Net Interest Margin Profit Ratios (Y-o-Y)

Relationship beyond banking 55 Profit Ratios(Quarterly comparison)

Relationship beyond banking Ratios – Quarterly Comparison Mar 10June 10Sep-10Dec-10Mar-11 Cost to Income Ratio Non Interest income to Operating Expenses Asset Utilization Ratio Return on Assets Return on Equity Earnings Per Share (Basic & Diluted) Book value per share Net worth (Rs. in Mn)124,560131,811137,979144,511154,995 56

Relationship beyond banking Ratios (Y-o-Y)Ratios (Y-o-Y) Year Ended Mar-10 Year Ended Mar-11 Cost to Income Ratio Non Interest income to Operating Expenses Asset Utilization Ratio Return on Assets Return on Equity Earnings Per Share (Basic & Diluted) Book value per share Net worth (INR/Mn) 124,560154,995 Bus. per employee (INR/Mn) Bus. per branch (INR/Mn) 1,239.41,

Relationship beyond banking Investments - DomesticInvestments - Domestic 58 Mar-10Mar-11 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1SLR INVESTMENTS 126,770449, , ,415523, ,590 OF WHICH: GOVERNMENT SECURITIES 125, , , ,316521, ,436 OTHER APPROVED SECURITIES 1,631 3,0304,6611,0992,055-3,154 M Duration NON SLR INVESTMENTS 41,318 8, ,062135,41910, ,112 M Duration TOTAL 168, , ,034290,834533, ,702

Relationship beyond banking Type of InvestmentBook ValueTotal Provision G-Sec 19,694- Bonds /CLN– Lehman Bros 1,397 Bonds-Others 10,8271,162 CLN (Other issuers) 9, Total 40,9303,352 Investments – Foreign (Position as on ) 59

Relationship beyond banking Capital Adequacy –Basel IICapital Adequacy –Basel II Tier I Capital 137, ,540142,090140,700170,470 Tier II Capital 72,180 78,89079,06078,360 78,670 Total Capital 209, ,430221,150219,060249,140 Total Assets 2,749,6602,792,0522,896,2502,991,8533,511,725 Risk Weighted Assets 2,047,1701,636,4801,695,3101,764,4502,047,620 CRAR - Tier I (%) CRAR - Tier II (%) CRAR (%)

Relationship beyond banking Productivity 61

Relationship beyond banking Way AheadWay Ahead 62

Relationship beyond banking 63