1 Committed to keeping your TRUST

2 1.M/s JAIN KAPILA ASSOCIATES, NEW DELHI 2.M/s P.L. TANDON & CO., KANPUR 3.M/s SHAH & TAPARIA, MUMBAI 4.M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI 5.M/s R.S.SIPAYYA & CO., NEW DELHI

3 Total Business up 8.32% (Y-o-Y) to `3,16,432 Crore Total Deposits up 8.30% (Y-o-Y) to `1,82,470 Crore Total Advances up 8.36% (Y-o-Y) to `1,33,962 Crore Total Assets up 9.07% (Y-o-Y) to `2,09,786 Crore Core Deposits up 13.54% (Y-o-Y) to `1,53,978 Crore Retail Term Deposits (< `1 Cr.) up 12.52% (Y-o-Y) to `63,643 Crore CASA Deposits up 9.76% (Y-o-Y) to `44,156 Crore Retail Credit up 15.82% (Y-o-Y) to `15,738 Crore

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6 Parameters ` in CroreYoY Growth Total Income15, % Interest Income14, % Net Interest Income3, % NIM2.81% -- Yield on Investments with Profit8.04%33bps Operating Profit2, % Net Profit % Book Value per share (`) %

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19 ( ` in Crore) *Includes ` 430 Crore under Non Priority Sector

20 ( ` in Crore) Retail Credit as a % of Total Advances has increased to 11.75% as on Dec-13

21 S. NO.SCHEME DEC-12DEC-13 Y-o-Y % Growth Total Retail Credit13,58815, % Out of which 1Housing Loan6,0066, % 2Vehicle Loan1,3351, % 3Education Loan1,2221, % ( ` in Crore)

22 Sector Amt. O/s ( ` in Crore) Industry (excl. Infra) Infrastructure23410 (Out of which Power) (13611) Agriculture17159 Retail15738 NBFC11127 Trade6700 Commercial Real Estate 7387 Food Credit3402 Others12512 Total133962

23 Industry Segment Amt. O/s (` in Crore) Iron & Steel8280 Textile7195 Food Processing3822 All Engg Constructions 1765 Vehicles, Vehicle Parts & Transport Equipments 1709 Metal & Metal Products1558 Paper & Paper Product1387 Chemicals, Dyes, Paints etc Other Industries7082 Total Industry36527

24 Break up of exposure to Power Sector ( ` in Crore)

25 ( ` in Crore) State-wise break-up Power SectorGenerationTransmissionDistributionTotal% to Total RAJASTHAN % UTTAR PRADESH % GUJARAT % HARYANA % PUNJAB % ANDHRA PRADESH % TAMIL NADU % MAHARASHTRA % OTHER STATES % TOTAL % %age of Total State Exposure14.83%14.11%71.05%100.00% Secured by State Govt. Guarantee %

26 As on As on CATEGORYHTMAFSHFTTotalHTMAFSHFTTotal SLR NSLR TOTAL % to Total Portfolio 84.73%14.92%0.35%100.00%76.70%20.91%2.39%100.00% ( ` in Crore)

27 M.DURATION (in Years) TOTAL (AFS) TOTAL PORTFOLIO YIELD ON INVESTMENT (%) Without Profit* 7.43%7.48 % With Profit* 7.71% 8.04 % *Excluding RIDF

28 ( ` In Crore)

29 ( ` in Crore) Breakup of State Discoms Rajasthan Discom: 1,379 U P Discom: 486 Haryana Discom: 51 Tamil Naidu : 37

30 ( ` in Crore) S.NoParticularsO/s as on % of total 1Infrastructure4, % 2Aviation1, % 3Textiles % 4Iron & steel1, % 5Paper340.35% 6Agriculture % 7Sugar % 8Others % Total9, % Break up of InfrastructureAmt State Discoms1,953 Telecom632 Power Generation702 Roads,Highways & Ports591 Others569 Total4,447

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34 S.No. ParameterDec-12Dec-13 1Gross NPA3,6905,184 2Standard Restructured10,9929,687 3Total Impaired Assets14,68214,871 4Total Advances1,23,6261,33,962 5 % of Total Impaired Assets to Total Advances 11.88%11.10% ( ` in Crore)

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36 DEC 2012 DEC 2013 Govt.58.00%59.13% FIIs & NRIs9.41%9.71% Banks, Inst./ Insurance Co %14.87% Others15.38%16.29% On , Govt. of India infused capital funds of ` 150 crore by way of preferential allotment of equity shares.

new branches opened during FY 13-14, out of which 49 branches opened in rural centres (35 unbanked) & 25 in semi-urban centres. Rural Semi- Urban Urban Metro

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personnel recruited during (9 months) [252 POs., 46 Specialist Officers, 886 Clerks & 140 Sub staff] The Bank has planned to recruit 124 more personnel during Q4 [21 POs, 62 Clerks & 41 Sub Staff)]

 Distributed of the Solar lanterns to the students in Rural & Semi Urban centers in Bangalore region under 'Light for Education' programme.  For the development of the sports activities among the school going children, support has been given to “Subroto Cup International Football Tournament” and also to “Sub-Junior Under 15 Girls National Hockey Championship” at Bassi Pathana in Punjab.  The Bank has adopted 10 orphan Girl Children from St. Michael's Hostel, and has paid for their Boarding, Lodging, Education, Medical, and other needs.  The Bank has adopted 3 poor girls orphaned in Uttarakhand calamity. The Bank will bear the cost towards Boarding, Lodging, Education, Medical and other needs till they pass class XII.  The Bank has donated a Maruti Eeco Van to AWWA to facilitate the war-widows, poor ladies and differently-able ladies to reach the project site –Aahwan. The Eeco Van also helps in transporting the products to selling points situated in Delhi & NCR.  Donation of uniforms, stationery items to poor and needy students at ‘Aarohan’ in association with ‘Jagruti- a social venture by Oriental Bank Family’.  So far the Bank has contributed over ` 5 Crore towards CSR activities in FY including employees’ contribution of ` 2.19 Crore to the Prime Minister’s National Relief Fund for the relief of flood victims of Uttarakhand. 40

 For improving the control and enabling the bank to expand in newer areas, new Regional Office at Raipur opened (Total Regional Offices – 34)  30 new branches opened & 132 new ATMs installed during Q3 (Total delivery channels as on : 3918 (2089 Brs ATMs)  Reduction in intt. rate on Advances to MSME to augment credit flow to manufacturing & services sector  Reduction in intt. Rate on Personal Loans, Auto/Taxi, Light & Heavy & Light Commercial Vehicle Loans to boost credit flow to the consumer segment  2 new SB deposit schemes viz. “OBC Diamond Saving Deposits Account” & “OBC Platinum Saving Deposit Account” introduced with attractive features  To bring more security to card based transactions, Bank launched EMV compliant (chip based) VISA International Gold Debit Card  Implementation of One Time Password (OTP) for strengthening 3rd party I-Banking transactions  Launch of Smart Monthly Income Plan of CHOICe (Joint Venture Insurance Co.)  On Republic Day (26 th January 2014), Bank launched 3 new facilities for customers : Aadhar based e-KYC, Public Provident Fund A/c, Senior Citizens Saving Scheme 41

VISION STATEMENT  TO BE A CUSTOMER FRIENDLY PREMIER BANK COMMITTED TO ENHANCING STAKEHOLDERS VALUE. MISSION STATEMENT  Provide quality, Innovative services with state- of-the-art technology in line with customer expectations.  Enhance employees’ professional skills and strengthen cohesiveness.  Create wealth for customers and other stakeholders. 42

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