Relationship beyond banking 1

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Awards & AccoladesAwards & Accolades 4

Relationship beyond banking Awards & AccoladesAwards & Accolades 5

Relationship beyond banking New IntiativesNew Intiatives 6

Relationship beyond banking IT New Intiatives IT New 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 (Representative office) 9 New Zealand (Subsidiary)

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

Relationship beyond banking Highlights Business touched `5,403,668 Mn ( YoY Growth 21.35%) Deposits stood at `3,072,523 Mn (YoY Growth 21.67%) CASA at 32.41% Advances at `2,331,146 Mn (YoY Growth 20.94%) Operating Profit increased from ` 13,888 Mn to `17,319 Mn (YoY Growth 24.69%) Net Profit Increased from `6,532 Mn to `7,162Mn (YoY Growth 9.64%) Net Interest Margin increased from 2.44% to 2.55% (Sequentially) Non Interest Income increased from ` 6,482 Mn to ` 8,522 Mn (YoY Growth 31.48%) Gross NPA ratio decreased from 3.02% in Sept 11 to 2.74% in Dec 11 Net NPA ratio decreased from 1.98% in Sept 11 to 1.78% in Dec 11 Cost to income ratio reduced from 47.30% in Dec 10 to 40.68% in Dec 11 ROA improved from 0.56% in Sept 11 to 0.80% in Dec 11 ROE improved from 12.07% in Sept 11 to 16.97% in Dec 11 11

Relationship beyond banking Major Business ParametersMajor Business Parameters 12 Quarter ended Dec-10Mar -11Jun -11Sept -11Dec -11 Business Mix4,452,7955,150,4015,080,3395,160,2505,403,668 Deposits2,525,2572,988,8582,930,9842,990,7413,072,523 Advances1,927,5382,161,5432,149,3552,169,5092,331,146 Operating Profit13,88812,05313,95915,51517,319 Net Profit6,5324,9365,1754,9117,162 NIM (%) Gross NPA (%) Net NPA (%) Return on Assets(%) Rtn. on Equity (%) Book Value (INR)

Relationship beyond banking Deposits 13

Relationship beyond banking Domestic Deposits (CASA) 14

Relationship beyond banking Domestic Deposits – Category-wise 15

Relationship beyond banking Gross Advances 16

Relationship beyond banking Domestic Advances – Category Wise as on

Relationship beyond banking Key Sectors (Domestic Credits) Dec-10Mar-11Sept. 11Dec-11 % Y-o-Y Growth Agriculture205,400227,380196,410207, SME (Priority & Non Priority) 295,680300,450305,240311, Retail Credit156,200166,480163,950180, Corporate851,750957,160913,040933,

Relationship beyond banking Domestic Credit SectorDec-10Mar-11Sep-11Dec-11% YoY Growth Gross advances1,509,0201,651,4701,578,6401,633, % -Food credit34,200 33,41033,09039, % -Non-food credit1,474,8201,618,0601,545,5501,593, % Retail credit156, ,480163,950180, % -Residential mortgage 75,61074,78079,46085, % -Business Mortgage loans 15,19014,95016,33016, % -Auto Finance14,62014,08014,94017, % -Educational loan 19,10019,46021,34021, % - Others31,68043,21031,88038, % 19

Relationship beyond banking 20 Sector Wise Breakup (Non Food Credit) SectorDec-10Sep-11Dec-11% YoY Growth Agriculture 205, ,410207, % Industry 602, ,020749, % Services 511, ,170456, % -Trade 87,200 98,950108, % -Others 423, ,220348, % Retail Credit 156, ,950180, % Total1,474,830 1,545,5501,593, %

Relationship beyond banking Industry Wise Credit Industry Dec-10Sep-11 Dec-11 YoY Growth % Textiles 63,69075,42077, % Chemicals & Chemical products 39,24045,15046, % Rubber, Plastic & their products 16,16020,36021, % Basic metal & metal products 93,390113,870120, % Vehicles, vehicle parts & Transport equipment 23,34022,75024, % Gems & Jewellery 25,53030,67031, % Construction 17,73011,8409, % Infrastructure 200,980212,540254, % Other Industries 122,570155,460162, % 21

Relationship beyond banking Advances to Sensitive Sectors - Domestic 22 SECTOR DEC-10MAR-11JUN-11SEPT.-11DEC-11 % of Total Advances Total Advances 1,509,0301,651,472 1,611,230 1,578,634 1,633,251 REAL ESTATE 194,974203, , , , Out of which  HOUSING LOAN 75,61074,783 78,401 79,466 85,  MORTGAGE LOAN 15,19014,950 19,843 17,372 16,  COMML. REAL ESTATE 47,01340,546 38,170 37,297 41,  Others(Invest & Indirect) 58,54073,344 67,076 70,880 63,  CAPITAL MARKET 33,04432,451 34,920 33,896 34,2562.1

Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10 MnTotal AmountAmount As on ,67315,45194,12412,322106,446 Additions during Q19, , ,327 Less Repayment in Restructured a/c s / Exchange fluctuation As on ,79414,81098,60412,411111,015 Additions during Q24, ,8512,8667,717 Less Repayment in Restructured a/c s / Exchange fluctuation -6, , ,580 As on ,87014,50096,37014,782111,152 Additions during Q321, ,3367,76930,105 Less Repayment in Restructured a/c s / Exchange fluctuation -2, , ,520 As on ,94414,850114,79421,943136,737 RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 23

Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 24 DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal AmountAmount As on ,8851,25318, Additions during Q1 3, ,341- Less Repayment in Restructured a/c s / Exchange fluctuation ,016- As on ,4301,94123, Additions during Q1 3, , ,359 Less Repayment in Restructured a/c s / Exchange fluctuation 1, ,059- As on ,6572,14025, ,

Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 25 DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal AmountAmount As on ,6572,14025, , Additions during Q3 5, , Less Repayment in Restructured a/c s / Exchange fluctuation As on ,4972,87831, ,

Relationship beyond banking Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q3 26 SECTORAMOUNT Agriculture Ceramics Chemicals Construction Education Engineering5, Entertainment1, Miscellaneous Paper1, Pharmaceuticals Services Sugar Telecom9, Textiles22.52 Trade Retail Grand Total21,947.63

Relationship beyond banking Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) 27 June 10Sep t. 10Dec 10Mar 11Jun 11Sept. 11Dec 11 Number of Accounts slipped during Quarter Amount in INR/Mn 7182, ,5913,2715,139

Relationship beyond banking Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 28 S.NoSectorQtr Dec’10 Qtr Mar’11 Qtr Jun’11 Qtr Sept.’11 Qtr Dec’11 1 AGRICULTURE CHEMICALS CRE ENGINEERING INFRASTRUCTURE 02811, MISC PAPER & PAPER PRODUCTS SERVICES STEEL TEXTILES 01201, TRADING CERAMICS SUGAR Aviation 00005, AGGREGATE ,5913,2715,139

Relationship beyond banking NPA Movement Dec-10 ( 9 months)Sept. 11 (Half Year)Dec-11 (9 months) IndianForeignGlobalIndianForeignGlobalIndian Foreig nGlobal Opening Gross NPA 44,8104,02048,83043,5704,55048,120 43,5704,55048,120 Total Reduction 20, ,41025, ,470 31, ,100 Recovery 6, ,3405,200905,290 7, ,000 Upgradation 9, ,3502,7300 4,0000 Write-off 5, ,72017, ,460 20, ,100 Slippages 17,9501,18019,13042,2302,83045,050 46,6503,60050,250 Net Addition/Reduction -2, ,280-16,930-2,650-19,580 14,7503,40018,150 Gross NPA 42,1004,44046,54060,4907,21067,700 58,3207,95066,260 Less Unrealised Interest on NPA 1,1200 2,210102,220 2,390102,400 Closing Gross NPA 40,9804,44045,42058,2807,20065,480 55,9207,94063,860 29

Relationship beyond banking Dec-10Sept. 11Dec-11 IndianForeignGlobalIndianForeignGlobalIndianForeignGlobal Closing Gross NPA 40,9824,43845,42158,2837,19765,480 55,9247,93663,860 Total Nettable Credits 27,3073,20030,50718,7074,32823,035 18,1634,76622,929 NPA Provision 19,5563,18522,74112,4504,26616,716 11,2464,71415,960 Other credits 7,751157,7666,257626,319 6,917526,969 Net NPA 15,3481,25416,60339,5762,86942,445 37,7613,17040,931 Gross NPA Ratio (%) Net NPA Ratio (%) Provision Coverage Ratio (%) NPA Sequential Ratios

Relationship beyond banking Sector wise Breakup of NPA - Domestic Dec- 10Sep- 11Dec- 11 % of Total NPA % of Total Sectoral Advances Agriculture 6,89311,9609, Industry 15,75324,18622, Services 12,40915,78519, Personal Loans 5,9266,3534, DOMESTIC ( TOTAL) 40,98258,28455, FOREIGN 4,4397,1977, GLOBAL (TOTAL) 45,42165,48163,

Relationship beyond banking Overseas NPAs Dec -10Sep- 11Dec-11 TRADE2,1693,5633,476 MANUFACTURING ,015 REAL ESTATE1,2291,4241,526 OTHERS6631,4421,919 TOTAL4,4387,1977,936 32

Relationship beyond banking Profit – Summary 33 Qtr Dec 2010 Qtr Mar 2011 Qtr Jun 2011 Qtr Sept Qtr Dec 2011 Variation Y-o-Y (%) 1 Interest Earned54,67563,06966,33568,86471, Interest Expended34,80639,99647,92649,82550, Net Interest Income (1 - 2)19,86923,07318,40919,03920, Non-Interest Income 6,482 8,2316,6018,4188, Total Operating Income (3+4)26,35131,30425,01027,45729, Operating Expenses12,46319,25111,05111,94211, Operating Profit (5 - 6)13,88812,05313,95915,51517, Total Provision 7,356 7,1178,78410,60410, Net Profit 6,5324,9365,1754,9117,

Relationship beyond banking Net Interest Income 34 Qtr Dec-10 Qtr Mar-11 Qtr Jun-11 Qtr Sept.-11 Qtr Dec-11 Variation Y-o-Y (%) TOTAL INTEREST INCOME 54,675 63,069 66,335 68,864 71, INT. INCOME FROM ADVANCES 40,234 43,25245,95948,86551, INT. INCOME FROM INVESTMENTS 12,750 14,11916,40618,43118, OTHER INTEREST INCOME 1,691 5,6983,9701,5681, TOTAL INTEREST EXPENDED 34,806 39,99647,92649,82550, INT. EXPENDED ON DEPOSITS 29,879 35,24943,83745,05544, INT. EXPENDED ON BORRROWINGS 2,473 2,3401,5172,0993, INTEREST EXPENSES ON SUBORDINATED DEBT etc. 2,454 2,4082,4702,6712, NET INTEREST INCOME 19,869 23,07318,40919,03920,

Relationship beyond banking Non-interest Income 35 Qtr Dec-10 Qtr Mar- 11 Qtr Jun- 11 Qtr Sep- 11 Qtr Dec- 11 Variation Y-o-Y (%) Treasury: PROFIT FROM SALE OF SECURITIES 5921,266 1,097 1, PROFIT FROM EXCHANGE TRANSACTIONS 1,2711,334 1,471 1,483 1, Sub Total (A) 1,8632,600 2,568 3,027 1, Core-banking Operations: COMMISSION / EXCHANGE / BROKERAGE 2,8383,468 2,737 3,258 3, OTHER NON-INTEREST INCOME 1,1241, ,257 1, Sub Total (B) 3,9624,712 3,721 4,515 4, RECOVERY IN WRITTEN OFF ACCOUNTS (C) , TOTAL NON-INTEREST INCOME (A+B+C) 6,4838,231 6,601 8,418 8,

Relationship beyond banking Cost & Yield Ratios –Quarterly Comparison 36 Qtr Dec 10Qtr Mar 11Qtr Jun 11Qtr Sept 11Qtr Dec 11 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIAN FOREIGN GLOBALINDIANFOREIGNGLOBALINDIAN FOREIG N GLOBAL Cost of Deposits Yield on Advances Yield on Investments Yield on Funds Cost of Funds N.I.M

Relationship beyond banking Business Ratios – Quarterly ComparisonBusiness Ratios – Quarterly Comparison Dec-10Mar-11Jun-11Sept.-11Dec-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)144,511154,995160,279165,191172,352 37

Relationship beyond banking Investments Sr. N o. InvestmentDec-10Sep- 11Dec-11YoY Growth % 1Domestic672,539879,865820, a)SLR606,244681,489661, b) NON- SLR66,295198,376159, International44,74039,93045, Total (1+2)717,279919,795865,

Relationship beyond banking Investments - DomesticInvestments - Domestic 39 Dec-10Dec-11 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1SLR INVESTMENTS 140,070466, ,244 1,26,8595,34, ,61,117 OF WHICH: GOVERNMENT SECURITIES 138, , ,076 1,25,4485,32, ,58,479 OTHER APPROVED SECURITIES 1,105 2,063- 3,168 1,4111,227-2,638 M Duration - AFS NON SLR INVESTMENTS 57,522 8, ,295 1,48,93910,311-1,59,250 M Duration TOTAL 197, , ,539 2,75,7985,44, ,20,367

Relationship beyond banking Capital Adequacy –Basel IICapital Adequacy –Basel II Tier I Capital 140,700170,470170,550170,840171,170 Tier II Capital 78,360 78,67075,63076,76078,980 Total Capital 219,060249,140246,180247,600250,150 Total Assets 2,991,8533,511,7253,459,5763,514,3813,645,565 Risk Weighted Assets 1,764,4502,047,6202,126,9902,069,2702,236,300 CRAR - Tier I (%) CRAR - Tier II (%) CRAR (%)

Relationship beyond banking Productivity 41

Relationship beyond banking Way AheadWay Ahead 42

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