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 New Intiatives (Contd)New Intiatives (Contd) 7

Relationship beyond banking IT / ITES IntiativesIT / ITES Intiatives 8

Relationship beyond banking Investor Profile- Shareholding Pattern (%)Investor Profile- Shareholding Pattern (%) 9

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 10 New Zealand

Relationship beyond banking Credit Rating - International & DomesticCredit Rating - International & Domestic 11

Relationship beyond banking 12 Sep-10Dec-10Mar -11Jun -11Sep-11 Business Mix4,254,4794,452,7955,150,4015,080,3395,160,250 Deposits2,410,7112,525,2572,988,8582,930,9842,990,741 Advances1,843,7681,927,5382,161,5432,149,3552,169,509 Operating Profit13,79613,88812,05313,95915,515 Net Profit6,1686,5324,9365,1754,911 NIM (%) Gross NPA (%) Net NPA (%) Return on Assets(%) Rtn. on Equity (%) Book Value (`) Major Business ParametersMajor Business Parameters

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) Sep-10Sep—11% Y-o-Y Growth Agriculture193,020196, SME (Priority & Non Priority) 272,530252, Retail Credit153,270163, Corporate827,790966,

Relationship beyond banking Advances to Sensitive Sectors - Domestic 19 SECTOR SEP-10DEC-10MAR-11JUN-11Sep-11 % of Total Advances Total Advances 1,446,9631,509,0301,651,472 1,611,2301,578,634 REAL ESTATE 177, ,974203, ,490205, Out of which  HOUSING LOAN 74,49075,61074,783 78,40179,  MORTGAGE LOAN 15,77015,19014,950 19,84317,  COMML. REAL ESTATE 47,01047,01340,546 38,17037,  Others(Invest & Indirect) 40,80058,54073,344 22,80370,  CAPITAL MARKET 30,60033,04432,451 34,92033,

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, , As on ,87014,50096,37014,782111,152 RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 20

Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 21 DomesticForeignGlobal % of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on ,8851,25318, Additions during Q13, ,341- Less Repayment in Restructured a/c s /Exchange fluctuation ,016- As on ,4301,94123, Additions during Q , ,359 Less Repayment in Restructured a/c s / Exchange fluctuation 1,044151,059- As on ,6572,14025, ,

Relationship beyond banking NPA Movement Half Year Ended Sep-10Sep-11 IndianForeignGlobalIndianForeignGlobal Opening Gross NPA 44,8124,01448,826 43,5664,55048,116 Total Reduction 13, ,60125, ,470 Recovery 4, ,2665,195905,285 Upgradation 3,221223,2432,7260 Write-off 5, ,09217, ,460 Slippages 13, ,36442,2292,82545,054 Net Addition/Reduction ,929-2,655-19,584 Gross NPA 45,1204,46949,58960,4947,20567,699 Less Unrealised Interest on NPA ,21082,218 Closing Gross NPA 44,2314,46548,696 58,2847,19765,481 22

Relationship beyond banking Sep-10Sep-11 IndianForeignGlobal IndianForeignGlobal Gross NPA 44,2324,46448,696 58,2837,19765,480 Total Nettable Credits 26,4862,91429,400 18,7074,32823,035 NPA Provision 18,7682,89921,667 12,4504,26616,716 Other credits 7,718157,733 6,257626,319 Net NPA 19,1391,56520,704 39,5762,86942,445 Gross NPA Ratio (%) Net NPA Ratio (%) Provision Coverage Ratio (%) NPA Sequential Ratios

Relationship beyond banking Sector wise Breakup of NPA - Domestic Sep- 11 % of Total NPA % of Total Sectoral Advances Agriculture 11, Industry 24, Services 15, Personal Loans 6, DOMESTIC ( TOTAL) 58, FOREIGN 7,197 GLOBAL (TOTAL) 65,481 24

Relationship beyond banking Overseas NPAs Sep -10Sep- 11 TRADE2,1073,563 MANUFACTURING REAL ESTATE1,4611,424 OTHERS 7841,442 TOTAL4,5077,197 25

Relationship beyond banking Profit – Summary Qtr Sep 2010 Qtr Dec2010 Qtr Mar 2011 Qtr Jun 2011 Qtr. Sep 2011 Variation Y-o-Y (%) 1 Interest Earned51,55654,67563,06966,33568, % 2 Interest Expended33,79534,80639,99647,92649, % 3 Net Interest Income (1 - 2)17,76119,86923,07318,40919, % 4 Non-Interest Income 5,845 6,482 8,2316,6018, % 5 Total Operating Income (3+4)23,60626,35131,30425,01027, % 6 Operating Expenses 9,81012,46319,25111,05111, % 7 Operating Profit (5 - 6)13,79613,88812,05313,95915, % 8 Total Provision 7,628 7,356 7,1178,78410, % 9 Net Profit6,168 6,5324,9365,1754, % 29

Relationship beyond banking Net Interest Income Qtr. Sep-10 Qtr. Dec-10 Qtr. Mar-11 Qtr. Jun-11 Qtr. Sep -11 Variation Y-o-Y (%) TOTAL INTEREST INCOME51,55554,67563,06966,335 68, % INT. INCOME FROM ADVANCES36,59840,23443,25245,959 48, % INT. INCOME FROM INVESTMENTS 13,07112,75014,11916,406 18, % OTHER INTEREST INCOME1,8861,6915,6983,970 1, % TOTAL INTEREST EXPENDED33,79534,80639,99647,926 49, % INT. EXPENDED ON DEPOSITS29,16029,87935,24943,837 45, % INT. EXPENDED ON BORRROWINGS2,0652,4732,3401,517 2, % INTEREST EXPENSES ON SUBORDINATED DEBT etc.2,5702,4542,4082,470 2, % NET INTEREST INCOME17,76019,86923,07318,409 19, % 27

Relationship beyond banking 28 Particulars Half Year ended Variation H1-o-H1 % Sep -10Sep-11 Interest Income99,773135, % a. From Advances71,51794, % b. From Investments24,84834, % c. Other Interest Income3,4085, % Interest Expended64,60897, % a. On Deposits56,65888, % b. On Borrowings3,3163, % c. Subordinated Bonds3,0303, % d. Others1,6041, % Net Interest Income35,16537, % Net Interest Income(H1-o-H1)

Relationship beyond banking 29 Income Half Year ended H1-o-H1 % Sep 10Sep Total Income 111,477150, % a. Interest Income 99,773135, % b. Non Interest Income 11,70415, % 2. Total Expenditure 83,575120, % a. Interest expended 64,60897, % b. Operating Expenses 18,96822, % 3. Operating Profit 27,90229, % 4. Profit before Tax 18,76912, % 5. Profit After Tax 13,41910, % Profitability (H1-o-H1)

Relationship beyond banking Non-interest Income Qtr Sep-10 Qtr Dec-10 Qtr Mar- 11 Qtr Jun- 11 Qtr. Sep-11 Variation Y-o-Y (%) Treasury: PROFIT FROM SALE OF SECURITIES ,266 1,0971, % PROFIT FROM EXCHANGE TRANSACTIONS 1,1111,2711,334 1,4711, % Sub Total (A) 1,4711,8632,600 2,5683, % Core-banking Operations: COMMISSION / EXCHANGE / BROKERAGE 3,0072,8383,468 2,7373, % OTHER NON-INTEREST INCOME 1,0651,1241, , % Sub Total (B) 4,0723,9624,712 3,7214, % RECOVERY IN WRITTEN OFF ACCOUNTS (C) % TOTAL NON-INTEREST INCOME (A+B+C) 5,8456,4838,231 6,6018, % 33

Relationship beyond banking 31 Particulars Half Year ended Variation H1-o-H1 % Sep -10Sep-11 Commission, Exchange & Brokerage5,5055, % Profit from Sale of Investments1,3602, % Profit from Exchange Transactions2,4202, % Recovery In W/o accounts6701, % Other Non Interest Income1,7492, % Total Non Interest Income11,70415, % Core Non Interest Income Net of Treasury & Recovery in W/o Accounts 7,2548, % Non Interest Income(H1-o-H1)

Relationship beyond banking Cost & Yield Ratios –Quarterly Comparison 32 Qtr Sep-10Qtr Dec 10Qtr Mar 11Qtr Jun 11Qtr. Sep 11 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Cost of Deposits Yield on Advances Yield on Investments Yield on Funds Cost of Funds N.I.M

Relationship beyond banking 33 Sep 2010Sep 2011 IndianForeignGlobalIndianForeignGlobal Cost of Deposits Cost of Funds Yield on Advances Yield on Investments Yield on Funds Interest Spread Net Interest Margin Profit Ratios(H1-o-H1)

Relationship beyond banking Business Ratios – Quarterly ComparisonBusiness Ratios – Quarterly Comparison Sep-10Dec-10Mar-11Jun-11Sep-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)137,979144,511154,995160,279165,191 34

Relationship beyond banking Investments - DomesticInvestments - Domestic Sep-10Sep-11 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1SLR INVESTMENTS 120,890452,6502,640576, ,659549, ,489 OF WHICH: GOVERNMENT SECURITIES 119, ,4102, , ,933548, ,443 OTHER APPROVED SECURITIES 1,430 2,240- 3,670 1,7261,320-3,046 M Duration - AFS NON SLR INVESTMENTS 49,220 8, , ,99810,378198,376 M Duration TOTAL 170, ,340 2, , ,657560,208879,865 35

Relationship beyond banking Capital Adequacy –Basel IICapital Adequacy –Basel II Tier I Capital 142,090140,700170,470170,550170,840 Tier II Capital 79,06078,360 78,67075,63076,760 Total Capital 221,150219,060249,140246,180247,600 Total Assets 2,896,2502,991,8533,511,7253,459,5763,514,381 Risk Weighted Assets 1,695,3101,764,4502,047,6202,126,9902,069,270 CRAR - Tier I (%) CRAR - Tier II (%) CRAR (%)

Relationship beyond banking Productivity 37

Relationship beyond banking Way AheadWay Ahead 38

Relationship beyond banking 39