Particulars%age growth Global Deposits 30.08% Global Advances 27.18% CASA Deposits 15.90% Operating Profit 19.39% Net Profit 8.98% Net Interest Income 18.86% Non-Interest Income 26.42% 2 Gross NPA Ratio 2.81% Net NPA Ratio 1.75 % Provision Coverage Ratio 63.77% Standard Restructured Portfolio 6.14%

Global Business reached ` 810,687Crore (YoY Growth 28.79%) Global Deposits ` Crore (YoY Growth 30.08%) Global Advances at ` Crore (YoY Growth 27.18%) CASA Deposit at ` Crore (YoY Growth 15.90%) Operating Profit (Q3) increased from ` 1856 Crore in Dec.-12 to ` 2144 Crore in Dec-13 ( YoY growth 15.52%) Net Profit (9 months) increased from Rs.1993 Crore in Dec-12 to Rs.2172 Crore in Dec-13 (Growth 8.98%). Net Profit for Dec-13 (Qtr) stood at Rs.586 Crore. Gross NPA Ratio improves from 2.93 % in Sept., 2013 to 2.81 % in Dec Net NPA ratio improves from 1.85 % in Sept., 2013 to 1.75 % in Dec Provision Coverage Ratio improves from 60.74% in Dec-12 and % in Sep-2013 to % in Dec-13 Standard Restructured Portfolio as %age of Advances decreased from 6.88% in Sep-13 to 6.14% in Dec-13. Net Interest Income (Q3) increased from ` 2308 Crore in Dec-12 to ` 2719 Crore in Dec-13 (YoY Growth 17.81%) Non Interest Income increased from ` 937 Crore in Dec-12 to ` 1097 Crore in Dec-13 (YoY Growth 17.08%) No. of Domestic branches increased from 4292 March-13 to 4522 in Dec-13 No. of ATMs increased from 2133 March-13 to 3362 in Dec-13 3

4 Business MixDec-12March-13June-13Sep-13Dec-13 Growth % Y-o-Y Domestic 457,156498,103524,995555, Foreign 172,317176,705199,401214, Global 629,473674,808724,396769, ( ` in Crore)

5 Dec-12Mar-13June-13Sep-13 Dec-13 Growth % Y-o-Y Domestic 268,176294,067316,112322, Foreign 80,94187,77398,852110, Global 349,117381,840414,964432,

6 ( ` in Crore) Savings Deposit Annual Growth: 14.08% Savings Deposit Annual Growth: 14.08% CASA Annual Growth: 15.90% CASA Annual Growth: 15.90% CASA % (Aggregate Deposits) Sep-13: 30.44% Dec-13 : 30.99% CASA % (Aggregate Deposits) Sep-13: 30.44% Dec-13 : 30.99%

Dec – 12Mar - 13Dec -13 % of Domestic Deposits Bulk deposits 40,96827,17319, Certificate of Deposits 9,47011,99710, Total 50,43839,17029, ( ` in Crore) 7

ParameterDec – 12Mar - 13June-13Sep-13Dec-13 Growth % Y-o-Y FCNR (B) 5,2405,3106,02610,05617, NRE 8,7859,52610,46911,46411, NRE SB 1,9051,8212,0242,0762, NRE TD 6,8807,7058,4459,3889, NRO 1,9121,8521,8471,8831, ( ` in Crore) 8

9 Dec-12Mar-13June-13Sep-13Dec-13 Growth % Y-o-Y Domestic 188,980204,036208,883232,815235, Foreign 91,37688,932100,549104,009121, Global 280,356292,968309,432336,824356,

Dec-12Mar - 13Dec-13 Domestic International Global ( ` in Crore) 10

11 ( ` in Crore) Dec -12March-13Dec-13 % Growth Y-o-Y Agriculture 24,94927,04132, MSME (Priority & Non Priority) 32,56137,23039, Retail Credit 20,91422,35025, Corporate 110,556117,415137, Total 188,980204,036235, Total Export Credit 8,8139,53110,

12 ( ` in Crore) IndustryDec-12Mar-13Dec-13 % Growth Y-o-Y %age to ANBC Agriculture 24,949 27,04132, MSE 25,867 28,91330, Housing Loan 6,080 6,7907, Educational Loan 2,428 2,3292, Others Total Priority Sector Advances 59,707 65,51873,

13 ( ` in Crore) ParticularsDec-12March-13Dec-13% Y-o-Y %age to Domestic Credit Home Loan 9,557 10,26712, Mortgage Loan 1,707 2,0082, Auto Loan 1,939 2,0372, Education Loan 2,429 2,4112, Personal Loan Others 4, , Total 20,914 22,35025,

ParticularsDec-12Mar-13Dec-13 %age Y-o-Y %age to Domestic Advances %age NPA to sector wise advances Textiles 8,3968,8829, Chemicals & Chemical products 4,9315,1106, Rubber, Plastic & their products 2,4982,5492, Basic metal & metal products 13,32413,69913, Vehicles, vehicle parts & Transport equipment 2,114 2,0522, Gems & Jewellery 4,532 4,6055, Construction 1,482 1,7701, Infrastructure 31,509 33,49537, Other Industries 22,02323,28825, Total 90,80995,4501,06, ( ` in Crore) 14

ParticularsDec-12March-13Dec-13 Power 21,073 (11.15%) 22,270 (10.91%) 23,681 (10.06%) Out of which: a. State Electricity Boards (SEBs) 8,8398,90710,408 b. Others 12,23413,36313,273 Telecommunication 1,4301,4271,383 Roads & Ports 6,5887,1749,507 Others 2,4182,6243,424 Total 31,50933,49537, ( ` in Crore) Figures in Bracket () denote the % to domestic advances

DomesticForeignGlobal > 1 Cr< 1 Cr Total Amount Amount As on Additions during Q Add/Less :- 1)(-)Repayment in Restructured a/cs 2)(+)Increase in O/S balance in Restructure a/cs As on Additions during Q Add/Less :- 1)(-)Closures/Repayment in Restructured a/cs 2)(+)Increase in O/S balance in Restructure a/cs * As on ( ` in Crore) 16

DomesticForeignGlobal > 1 Cr< 1 Cr Total Amount Amount As on Additions during Q Add/Less :- 1)(-)Closures/Repayment in Restructured a/cs 2)(+)Increase in O/S balance in Restructureda/cs As on ( ` in Crore) 17

18 ( ` in Crore) ParticularsDec-13% to Advances Domestic14, Foreign1, Total16,

19 ( ` in Crore ) Quarter ended Amount Restructured December, , March, June, September, December,

( ` in Crore) 20 DomesticForeignGlobal CDR Restructuring 4, ,357 SME Debt Restructuring Other Restructuring 9, ,392 Total 14, ,394

21 SECTORAMOUNT INFRA4,427 AVIATION2,435 TEXTILES1,016 STEEL1,006 HOTELS710 ENGINEERING831 COMPUTER/IT RELATED520 SUGAR286 EDUCATION266 PHARMACEUTICALS149 OTHER METALS120 CONSTRUCTION- PAPER & PAPER PRODUCTION78 CHEMICALS161 AGRI136 TRADE51 CRE286 SERVICES10 AUTOMOBILES255 MISC **1,724 GRAND TOTAL14,466 ( ` in Crore)

22 ( ` in Crore) Dec-12Mar-13June-13Sep-13Dec-13 Gross NPA8,6258,7659,4149,88010,023 Net NPA5,4555,9476,4096,1566,147 Gross NPA % Net NPA % Provision Coverage Ratio %

( ` in Crore) Dec. 2012Dec 2013 IndianForeignTotalIndianForeignTotal Opening Balance Add : Slippages Total Less : Recovery Upgradation Write Off Total reduction Less URI Closing Balance

Mar-13Mar-14 FYQ1Q2Q3 No. of Accounts Sold--162,12,342 Aggregate Outstanding of Accounts sold Of which Written of Assets sold Existing Gross NPAs sold (NPAs before ) Current Year NPAs sold and adjusted from Slippages (NPAs After ) ( ` in Crore) 24

SectorMar-13June-13Sep-13Dec-13 % to Total Advances Agriculture Industry4,4464,9725,2355, Services1,8482,2302,4972, Retail Total7,1518,2438,7748, ( ` in Crore) 25

INDUSTRY Mar-13June-13Sep-13 DEC'13 Dec-13 % to Total NPA Dec-13 % to Total Advances Mining and Quarrying Food Processing Beverage & Tobacco Textile Leather Wood Paper Petroleum Chemical Rubber Plastics Glass & Glassware Cement & Cement Products Basic Metal All Eng Vehicle & vehicle part Gems & Jewellry Construction Infrastructure Others TOTAL ( ` in Crore) 26

INDUSTRY Qtr Mar-13Qtr June-13Qtr Sep-13 Qtr Dec-13 Mining Food processing Beverage & Tobacco Textile Leather Wood Paper Petroleum Chemical Rubber Plastics Glass & Glassware Cement & Cement Products Basic Metal All Engineering Vehicle & vehicle part Gems & Jewellery Construction Infrastructure Others ( ` in Crore) 27

Particulars Quarter ended Variation Y-o-Y % Nine Months ended Variation Y-o-Y % Dec-12Dec-13Dec-12Dec-13 Interest Income 8, ,73727, a. From Advances 5, ,21319, b. From Investments 1, ,5416, c. Other Interest Income , Interest Expended 5, ,18919, a. On Deposits 5, ,11517, b. On Borrowings ,2051, c. Subordinated Bonds d. Others Net Interest Income 2, ,5487, (` in Crore) 28

Particulars Quarter ended Variation Y-o-Y % Nine Months ended Variation Y-o-Y % Dec-12Dec-13Dec-12Dec-13 Commission, Exchange & Brokerage Profit from Sale of Investments Profit from Exchange Transactions Recovery In W/o accounts Other Non Interest Income Total Non Interest Income , (` in Crore) 29

Income Quarter ended Variation Y-o-Y % Nine months ended Variation Y-o-Y % Dec 12 Dec 13Dec 12Dec Total Income 8, , a. Interest Income 8, , b. Non Interest Income , Total Expenditure 7, , a. Interest expended 5, , b. Operating Expenses 1, , Operating Profit 1, , Net Profit , (` in Crore) 30

Income Quarter ended Variation Y-o-Y % Nine months ended Variation Y-o-Y % Dec 12Dec 13 Dec 12 Dec 13 Operating Profit 1, , Provisions Provisions for Taxation Prov. For B&D Prov. For Standard Assets Prov. For Depreciation on Investment NPV Provisions/ Other Provisions Total Provisions 1, , Net Profit , (` in Crore) 31

32 ( ` in Crore) Basel - II Dec-12March-13June-13Sep-13Dec-13 TIER I CAPITAL20,24623,01823,03523,04024,045 TIER II CAPITAL7,8307,9167,7489,5179,945 TOTAL CAPITAL28,07630,93430,78232,55733,990 TOTAL ASSETS415,966452,602485,825513,042536,492 RISK WEIGHTED ASSETS 265,082280,637288,799299,777318,732 CRAR - TIER I (%) * CRAR - TIER II (%) CRAR (%) * Capital Adequacy Basel-III * Taking into consideration profit for 9 months after adjustment of dividend

33 ParameterDomesticForeign Dec-12Dec-13Dec-12Dec-13 Cost of Deposits Cost of Funds Yield on Advances Yield on Investments Yield on Funds Interest Spread NIM Cost to Income Ratio Return on Assets (ROA) ParameterDec-12Dec-13 Return on Equity Book value per Share (Rs.) Earning per share (Rs.)

Dec- 12Dec- 13 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1. SLR INVESTMENTS OF WHICH: GOVERNMENT SECURITIES OTHER APPROVED SECURITIES M Duration NON SLR INVESTMENTS M Duration TOTAL ( ` in Crore) 34

Bank has been awarded the ‘Outlook Money Award 2012’ for “Best Education Loan provider”. Bank has been rated by Economic Times as the “Second Most Trusted Brand in India” among the PSU banks. Bank has been ranked Second by Ministry of MSME, New Delhi based on its performance in lending to Micro Enterprises. Bank has received “Best Banker” award at the India SME excellence Awards-2013, for exemplary contribution in Banking Sector. Bank received MSME Excellence Award 2013 at the hands of Deputy Chairman, Planning Commission, Govt. of India. Bank received IBA Instituted award at BANCON 2013 for Most Innovative Mass Retail Lender for underserved segments. 35

Bank received Certificate of Recognition of Unique Achievements in the area of Data Centre from CIO Masters for the year Bank received SKOCH Award for India’s Best Project on Innovation for 2013 for introducing Passbook printing Kiosk and Account Balance through a missed call to a dedicated phone number. Bank also received Certificate of appreciation, awarded by Computer Society of India for the Project – Financial Inclusion through Information Communication Technology (ICT) enabled solution. Bank received the Certificate of Excellence for IT Security implementation – STARTOKEN Next generation Two Factor Authentication, from eIndia. Bank’s In-house Journal ‘Taarangan’ has been conferred with award for Brand Excellence by Asian Confederation of Business during 3 rd Asian Leadership Awards 2013 held at Dubai on 24 th Sepember

37 Our Motto “PERFORM TO POTENTIAL”. Emphasis on CASA growth. Expansion of SME, Retail and Rural Business. Focus on Credit Monitoring and Recovery in NPA. Inclusive Growth through Financial Inclusion. Progress on Alternate Delivery Channels for better Customer Satisfaction. Focused attention on Human Resources. Our Motto “PERFORM TO POTENTIAL”. Emphasis on CASA growth. Expansion of SME, Retail and Rural Business. Focus on Credit Monitoring and Recovery in NPA. Inclusive Growth through Financial Inclusion. Progress on Alternate Delivery Channels for better Customer Satisfaction. Focused attention on Human Resources.

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