Performance Highlights Q4 FY15

2 STATUATORY CENTRAL AUDITORS 1.M/S. ISSAC & SURESH 2.M/S. M.M. NISSIM & CO. 3.M/S. D.SINGH & CO. 4.M/S. J.K. KAPUR & UBERAI 5.M/S. GROVER LALLA & MEHTA 6.M/S. B. RATTAN & ASSOCIATES

3 INDEX ITEMSLIDE NO. Results at a glance 4 Business, CASA, Market share, Domestic Credit: Key Sectors, Retail & Priority Sector 8-12 Restructured Assets13-15 Asset Quality (NPA) & Sale of Assets to ARCs16-19 Investments20 Profit & Loss Parameters21-24 Key Ratios25 Capital Adequacy26 Business per Employee/Branch27 Multiple Delivery Channels28-29 Financial Inclusion30 Shareholding pattern31 Awards32

Results at a Glance – March, FY15 ParameterRs. Crore YoY Growth% Total Business943, % Total Deposits531, % Total Advances411, % CASA deposits114, % Priority Sector Advances 94, % MSME Advances54, % Retail Advances34, % Ratios for FY15 Parameter(in %) Gross NPA5.39% Net NPA3.36% Provision Coverage Ratio 52.40% Capital Adequacy Ratio (Basel-III) 10.73% Return on Assets0.27% NIM Global Domestic 2.11% 2.49%

Business Mix (Deposits + Advances) Mar 14Jun14Sept 14 Dec 14 Mar 15 Y-O-Y Growth % Global Business 853,202882, ,720940,623943, Domestic 627,850643, ,923672,225687, Foreign 225,352239, ,797268,398256, Global Deposits 476,974500, ,432530,213531, Domestic 363,590381, ,377396,122398, Foreign 113,384119, ,055134,091133, Global Advances 376,228381, ,288410,410411, Domestic 264,260261, ,546276,103289, Foreign 111,968119, ,742134,307122, Business Growth ( `.in Crores) 5

Savings Deposit YoY Growth: 10.62% Savings Deposit YoY Growth: 10.62% Current Deposit YoY Growth: -1.82% Current Deposit YoY Growth: -1.82% CASA YoY Growth: 8.46% CASA YoY Growth: 8.46% CASA Profile 6 ( `. in Crores) CASA Ratio: 29.48% CASA Ratio: 29.48% CONSISTENT FOCUS ON CASA

Market Share 7

Key Sectors – Domestic Credit IndustryMar 14Jun 14Sept. 14Dec. 14 Mar. 15 Y-O-Y Growth % % to Domestic Credit Mar14 Mar.15 Agriculture 36,07134,80137,99439,06340, MSME (Priority & Non- Priority) 45,08145,28248,39151,98954, Retail 29,60027,82429,65431,29034, Corporate & Others 153,508153,967152,507153,761160, Total 264,260261,874268,546276,103289, (` in Crores) 8 STRATEGIC SHIFT IN COMPOSITION

ParticularsMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % %age to Domestic Credit Mar-14 Mar-15 Home Loan13,08113,90214,91315,82116, Mortgage Loan 2,9713,1103,4243,7094, Auto Loan2,3512,3982,4752,6572, Education Loan 2,6522,7122,8552,8832, Personal Loan ,0311, Others7,6184,7424,9905,1896, Total 29,60027,82429,65431,29034, ( ` in Crores) Retail Credit 9

IndustryMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % % to ANBC Agriculture* 40,21138,94142,13443,20343, MSE 35,50435,71337,18538,18139, Housing Loan 7,5177,5357,7317,9508, Educational Loan 2,5982,6552,7972,8312, Others Total Priority Sector Advances 86,16185,17290,17692,49794, ( `. in Crores) Priority Sectors 10 * Including RIDF

ParticularsMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % % to Domestic Advances Mar-14 Mar-15 Textiles 9,7169,4149,5459,78610, Chemicals & Chemical products 6,7727,7735,8036,1046, Rubber, Plastic & their products 2,7262,6202,6042,6702, Basic metal & metal products 12,95312,35113,00913,22013, Vehicles, vehicle parts & Transport equipment 2,0212,1562,0832,1822, Gems & Jewellery 5,6655,8866,5326,5446, Construction 1,8221,7422,0232,1501, Infrastructure 42,35843,53944,13646,26949, Other Industries 29,00129,68228,77529,81532, Total 113,034115,163114,511118,740124, (`. in Crores) Key Sectors - Domestic Credit- Industry 11

ParticularsMar 14Jun 14Sept. 14 Dec. 14Mar 15 Power26,84728,17229,07230,83633,386 - SEBs11,35511,87812,79713,63515,071 - Others15,54116,29416,27517,20118,315 Roads and ports9,68610,40910,15810,51410,751 Telecom1,1961,2151,1111, Other Infrastructure 4,6293,7433,7953,8693,952 Total42,35843,53944,13646,26949,016 ( `. in Crores) Advances to Infrastructure Sectors 12 SEB EXPOSURE BACKED UP GOVT. GUARANTEE

Period Amount Restructured FY ,375 FY ,014 FY ,469 FY ,761 FY (Q4 : Rs.2,743 crore) 6,735 TOTAL RESTRUCTURED PORTFOLIO (DOMESTIC) 28,235 Of Which a) Standard20,180 b) NPA8,055 (`. in Crores) Restructured Assets (Domestic) 13 Out of Total Domestic Restructured Portfolio (as per RBI Guidelines): Rs.15,598 crore

Standard Restructured Advances Mar 14Jun 14Sept. 14Dec.14Mar 15 CDR Restructuring ,6955,7474,992 Domestic 6,2885,6775,5535,4734,693 Foreign Other Restructuring 14,32815,18016,25916,08916,826 Domestic 12,58213,92314,44214,77715,487 Foreign 17461,2571,8171,3121,339 Total 20,75520,99721,95421,83621,828 Domestic 18,87019,60019,99520,25020,180 Foreign 1,8851,3971,9591,5861,638 (`. in Crores) Standard Restructured Advances 14

( `. in Crores) Sector wise breakup of Standard Restructured Advances(Domestic) 15 SNOSectorMarch 2014March INFRA 7,3208,829 INFRA-POWER 4,5005,750 INFRA-TELECOM INFRA-RAODS & PORTS 1,4111,636 INFRA-OTHERS 4481,013 2AVIATION 2,1642,364 3ENGG 6221,175 4STEEL MISC TEXTILES PHARMA SUGAR SERVICE-TRANSPORT RELATED FOOD PROCESSING CEMENT SERVICES SERVICES-TRADE OTHER METAL EDUCATION AUTOMOBILES HOTELS RUBBER & PLASTIC PAPER AGRICULTURE CHEMICALS CERAMICS CRE LEATHER GEMS & JEWELLARY CPMPUTER/IT RELATED BELOW 1 CR 9311,414 TOTAL 18,870 20,180

Sale of Assets to ARCs 16 (`. in Crores) FY 13-14FY FY14Q1Q2Q3Q4FY15 Net Outstanding of Accounts sold4,7431, ,844 Of which, Prudential written off (PWO) Accounts sold 2, Existing Gross NPAs sold1, ,575 Fresh Slippages / SMA-21, ,028

Mar-14June-14Sept.-14 Dec.-14Mar-15 Gross NPA11,86812,53214,12716,69422,193 Net NPA7,4178,0429,10110,06113,518 Gross NPA % Net NPA % Provision Coverage Ratio % Asset Quality 17 (`. in Crores)

Movement of NPA 18 FY Mar 2013FY Mar 2014FY Mar 2015 IndianForeignTotalIndianForeignTotalIndianForeignTotal Opening Balance 5, ,8947,1521,6138,76510,2741,59411,869 Less : 1,197481,2453,043233,0662, ,688 Cash Recovery Upgradation , ,381 Write Off 2,41322,4151, , Total reduction 4,332884,4204, ,7705, ,870 Less URI Add : Slippages 6, ,3798, ,81115, ,651 Closing Balance 7,1521,6138,76510,2741,59411,86920,2451,94822,193

SectorMar 14Jun-14Sept. 14Dec. 14Mar. 15 % to Sectoral Advances Mar 14 Mar 15 Agriculture ,0201, Industry 7,0947,5718,4499,84714, Services 2,3182,6872,9113,4474, Retail Total 10,27411,16012,59714,67920, (`. in Crores) Sector wise NPA 19 Domestic SectorMar 14Jun-14Sept. 14Dec.14Mar.15 % to sectoral Advances Mar 14 Mar 15 Trade Manufacturing Real Estate Others Total 1,5941,3721,5302,0151, Overseas (`. in Crores)

Mar 14Mar. 15 AFSHTMHFTTotalAFSHTMHFTTotal 1. SLR Investments 15,47081, ,62910,95890, ,917 Of Which: Government Securities 15,47080, ,47310,59890, ,760 Other Approved Securities M Duration Non SLR Investments 11,7441,217-12,96112,6701,491-14,162 M Duration Total 27,21482, ,59023,62992, ,078 ( `. in Crores) Investments (Domestic) 20

Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Interest Income10,36011, ,91043, a. From Advances7,2818, ,11931, b. From Investments2,1852, ,4059, c. Other Interest Income ,3862, Interest Expended7,3138, ,07932, a. On Deposits6,3207, ,77528, b. On Borrowings ,5342, c. Subordinated Bonds & others Net Interest Income3,0472, ,83111, (`. in Crores) Net Interest Income 21

Non Interest Income 22 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Commission, Exchange & Brokerage ,4261, Profit from Sale of Investments Profit from Exchange Transactions Recovery In W/o accounts Other Non Interest Income Total Non Interest Income 9141, ,2924, (`. in Crores)

Profitability 23 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation 1. Total Income 11,27412, ,20247, a. Interest Income 10,36011, ,91043, b. Non Interest Income 9141, ,2924, Total Expenditure 9,27810, ,77940, a. Interest expended 7,3138, ,07932, b. Operating Expenses 1,9652, ,7008, Operating Profit 1,9961, ,4237, Net Profit ,7291, (`. in Crores)

Provisions 24 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Operating Profit 1,9961, ,4237, Provisions Provisions for Taxation Prov. For B&D 1,1352, , Prov. For Standard Assets Prov. For Depreciation on Investment NPV Provisions/ Other Provisions Total Provisions 1,4391, ,6945, Net Profit ,7291, (`. in Crores)

Mar. 14Mar. 15 ParticularsIndianForeignGlobalIndianForeignGlobal 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) Return on Equity Book Value Per Share (Rs.) Earning Per Share (Rs.) N Key Financial Ratios FY 15 25

ParticularsMar 14Jun 14Sept. 14Dec.14Mar 15 Capital Adequacy - Basel III CET1 Capital23,77123,90224,02324,10326,091 AT1 Capital1,3891,4353,9483,9143,618 Tier I Capital25,16025,33727,97128,01729,709 Tier II Capital9,4999,56710,50710,5019,289 Total Capital34,65934,90438,47838,51838,998 Total Assets573,190597,504606,210614,961618,698 Risk Weighted Assets347,702349,682350,743360,705363,523 CRAR – CET1 (%) CRAR – AT1 (%) CRAR – Tier I (%) CRAR - Tier II (%) Capital Adequacy Basel III (%) Capital Adequacy – Basel-III 26 (`. in Crores)

Productivity 27

Multiple Delivery Channels Branch Expansion Debit Card (‘000) ATM Roll-Out 28

Multiple Delivery Channels (cont’d) Internet Retail (‘000) Mobile Banking Users Internet Corporate 29 e-Galleries

Financial Inclusion 30 FLCs – No. Of outdoor activities undertaken RSETI – No. of Candidates TrainedNo. of A/cs through BC Channel (in lacs) (Amt in cr.)

31 st March, 2015 Shareholding Pattern 31

Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of Minister of Rural Development. Bank has received Skoch award 2013 for IT innovation. Bank received the Award CIO for the product Startoken NG. Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT. Awards & Recognition 32 Bank received Skoch Group Financial Inclusion Deepening Award Bank received “PMJDY Excellence Award” from Honorable Union Minister Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards. Bank received “Outlook Money Award” for “Best Home Loan Provider” under Runner up category. Bank won IT excellence award by ETNOW and VMWare for effectively implementing Virtualization in the Bank. Bank received “Best HR Technology award, 2014” from Banking Frontiers at Mumbai.

THANK YOU! 33