1 Audited Financial Results For Q / FY March, 2015

BUSINESS PROFILE 2 ParameterMar 13Mar 14Mar 15 Y-o-Y % Growth Gross Advances 66,45778,62280, Total Deposits 97,2071,10,0281,15, Total Business 1,63,6641,88,6501,96, [` cr]

KEY INDICATORS 3 Parameter Full Year Increase [%] Quarter Increase [%] Mar 14Mar 15Mar 14Mar 15 Operating Profit 1, ,330.27[25.01] [15.61] Net Profit [51.88] [70.19] Total Income 10, , , , Total Expenses 9, , , , Provision & Contingencies 1, ,064.79[12.89] [` cr]

INCOME 4 [` cr] Parameter Full Year Increase [%] Quarter Increase [%] Mar 14Mar 15Mar 14Mar 15 Total Income 10, , , , Interest Income 9, , , , Advances 7, , , , Investments 2, , Other [19.96] Non Interest Income *[21.31] [26.09] * Due to lower Profit on Sale of Investment Rs. 155 cr & lower recovery in w/o a/cs- Rs. 125 cr

NON INTEREST INCOME 5 [` cr] Parameter Full Year Increase [%] Quarter Increase [%] Mar 14Mar 15Mar 14Mar 15 Comm. Exchange, Brokerage Exchange Earned on Forex [6.70] Profit on Sale of Investment [54.32] Recovery in written off a/cs [78.55] [88.79] Process Fee [0.46] Other Income Total [21.31] [26.09]

NET INTEREST INCOME 6 [` cr] Parameter Full YearQuarter Mar 14Mar 15Mar 14Mar 15 Net Interest Income 2, , Net Interest Margin [%] * * NIM is affected due to reversal of interest income in fresh slippages.

EXPENSES 7 [` cr] Parameter Full Year Increase [%] Quarter Increase [%] Mar 14Mar 15Mar 14Mar 15 Total Expenses 9, , , , Interest Expenses 7, , , , Deposits 7, , , , Others [10.33] [25.67] Operating Expenses 1, , [1.54] a. Salaries 1, , [12.33] b. Other Operating Expenses

PROVISIONS & CONTIGENCIES 8 [` cr] Parameter Full Year Increase [%] Quarter Increase [%] Mar 14Mar 15Mar 14Mar 15 NPA , Tax Expense [293.97][198.08] [310.17][156.28] Investment Depreciation [70.01] [98.86] Standard Assets [43.32] FITL [28.74] NPV of Restructured A/cs [80.37] [8.06]3.86 Others [5.27]6.18 [6.68][0.60] Total Provisions 1, ,064.79[12.89]

RESOURCES / DEPLOYMENT 9 [` cr] ParameterMar 13Mar 14Mar 15 Increase [%] Current Deposits 6, , , [3.88] Savings Deposits 21, , , CASA Deposits 28, , , Term Deposits 59, , , Aggregate Deposits 87, , ,05, CASA [%] to Total Deposits Inter Bank Deposits 9, , ,887.88[13.76] TOTAL DEPOSITS 97, ,10, ,15, GROSS ADVANCES 66, , , BUSINESS MIX 1,63, ,88, ,96,

RESOURCES / DEPLOYMENT 10 [` cr]

DEPOSITS 11  Total Deposits growth by 5.37% y-o-y at ` 1,15, cr.  Term Deposits growth by 9.52% y- o-y at ` 72, cr.  CASA growth by 4.23% y-o-y at ` 32, cr.  CASA share in Total Deposits at 27.71%.

ADVANCES 12 Mar 13Mar 14Mar 15 Gross Advances [Growth %] 66,457 [16.27] 78,622 [18.31] 80,629 [2.55] Priority Sector [Growth %] 18,868 [21.72] 26,173 [38.72] 28,454 [8.72] Direct Agriculture [Growth %] 5,295 [36.65] 6,886 [30.06] 8,211 [19.24] MSME [Growth %] 10,673 [28.73] 13,217 [23.84] 15,256 [15.42] Retail [Growth %] 7,724 [6.07] 9,706 [25.67] 10,910 [12.41] CD Ratio [` cr]

ADVANCES 13 [` cr]

COMPOSITION OF ADVANCES 14 Parameter Outstanding as of Growth over Mar 14 % to Total Advances Mar 14Mar 15Amt% Agriculture MSME 13,21715,2562, Large Industries 27, Retail9, Food Credit1, Others15, , Total 78, [` cr]

RETAIL PORTFOLIO 15 [ ` cr]March 14March 15Y-o-Y Growth % Direct Retail 8, , Total Retail 9, , % of Gross Advances SegmentAmount % To Total Retail Housing 4, Vehicle Education Mortgage 1, Personal Dena Trade 1, Doctor Gold Loan Others Total 8, [` cr]

PRIORITY SECTOR LENDING 16 Sr NoParametersMarch 14March 15Y-o-YTargets FY Agriculture 10,800 12,312 1,512 14,630 - Direct 6,886 8,211 1,325 10,975 - Indirect 3, * 187 3,655 2 MSE 12,110 12, ,500 3 Others 3,263 3, ,370 4 Total PSL 26,173 28,454 2,281 32,500 5 PSL % to ANBC [` cr] Eligible RIDF amounting to ` 3, cr has been included in Indirect Agri- PSL as per RBI guidelines.

INVESTMENTS 17 [` cr] March 14March 15% to Total GROSS INVESTMENTS 37, , SLR INVESTMENTS Treasury Bills 1, CG securities 20, , State Govt. Securities Other Approved Securities 7, , Total 29, , NON-SLR INVESTMENTS PSU Bonds 2, , Corporate Debentures CDs CPs Shares of PSUs /Corporates & Others Regional Rural Banks Units of MF Venture CF RIDF /SIDBI /NHB 3, , Security Receipts CBLO & Others 01, Total 7, ,

TREASURY MANAGEMENT 18 March 14March 15% Growth% to Total Investment Gross Investment 37, , Of which (i) HFT (ii) AFS 9, , (iii) HTM 26, , SLR Investment 29, , Non-SLR Investment 7, , of which – Rated 3, , – Unrated RIDF/NHB/SIDBI 3, , Average Yield on all Investments [FY] 7.57% 7.80 Trading Profits [FY] HFT AFS HTM VAR M. Duration (Yrs) AFS + HFT HTM Total [` cr]

ADVANCES - CLASSIFICATION 19 March 14March 15 Asset CategoryAmount% ageAmount% age Standard 76, , Sub Standard 1, , Doubtful , Loss Total NPAs 2, , Total 78, , [` cr]

MOVEMENT OF NPA 20 Full YearQuarter March 14March 15March 14March 15 Gross NPA Opening Balance1, , , , Less: Cash recoveries Less: Up gradations Less: Write off Total Reductions1, , Add: Slippage & Debit Operations 2,419.86*3, , , GROSS NPA2, , , , GROSS NPA [%] NET NPA1, , , , NET NPA [%} Recovery in w/o A/cs [` cr] 14 Accounts with o/s above Rs. 50 cr account for slippages of Rs. 1,144 cr.

EXPOSURE TO MAJOR INDUSTRIES 21 March 14March 15 SectorAmount% ageAmount% age Infrastructure 13, , % Power 9, , % Telecom 1, , % Roads & Ports 2, , % Other Infra , % Metal incl Iron & Steel 3, , % Textiles 4, , % Chemical & Chemical Products 1, , % All Engineering 2, , % Gems & Jewellery % Food Processing 1, , % Construction , % [` cr]

RESTRUCTURED ADVANCES 22 March 14March 15 SectorAmount% ageAmount% age Agriculture Power 3, , Textiles Cement & Products Iron & Steel , Telecom Civil Aviation Hotel Petro Chemical Other Infrastructure Others 1, , Total 7, * 9, [` cr] * Out of this, ` 3, cr (32.00%) backed by Government Guarantee.

CAPITAL ADEQUACY 23 [` cr] Net Worth5, , Risk Weighted Assets 78, , Total Capital Funds 8,804.04*9, Tier I Capital 5,869.36*6, Tier II Capital 2, , Capital Adequacy Ratio [` cr] Under Basel II Tier I Tier II Under Basel III Tier I Tier II [` cr] * Fresh Infusions during the year: Equity Capital to GOI ` 140 cr Basel III Compliant IPDI Bonds ` 400 cr * As per Basel III

KEY RATIOS 24 Full YearQuarter Mar 14Mar 15Mar 14Mar 15 ACost of Deposits [%] BCost of Funds [%] CYield on Advances [%] DYield on Investments [%] EYield on Funds [%] FNet Interest Margin [%] G Provision Coverage Ratio [Incl Tech W/O]

KEY RATIOS 25 Full YearQuarter Mar 14Mar 15Mar 14Mar 15 A.Cost to Income Ratio i)Staff Cost to Income Ratio ii) Other Overhead to Income Ratio BNet Profit to Total Income CReturn on Assets [Annualised] DReturn on Equity [Annualised] EEarning Per Share ` FBook Value `

PRODUCTIVITY RATIOS 26 Staff strength has increased by 1,302 during the period to cater the requirement of new branches. March 14March 15 Business per Branch [ ` cr] Business per Employee [ ` cr] Profit Per Branch [ ` lacs] Profit Per Employee [ ` lacs]

SHARE HOLDING PATTERN 27 Share Capital ` cr No. of Shares cr Net worth ` 5, cr B. V. per share ` Return on Equity 4.08% (annualised) Govt. of India59.75 FII7.21 Insurance Companies15.61 FIs/Banks0.07 Mutual Funds0.03 Bodies Corporate2.28 NRIs & OCBs0.53 Public14.52

BRANCH NETWORK 28 Bank has opened 106 branches during the FY Bank targets to open 404 new branches during the FY which includes 163 branches pending from previous year. March 14March 15 Branches 1,6331,739 Ext. Counters 55 ATMs 1,4211,482 Category x`March 15% share Rural Semi Urban Urban Metro Total 1, %

GOING FORWARD 29  Bank is targeting credit growth of 15% and deposit growth of 13%.  Bank expects to maintain NIM in the range of 2.50% to 2.75%.  Bank targets to open 404 new branches during Financial Year  Continue to focus on Retail & MSME advances.  Strengthening of Loan Processing Centres.  NPA Reduction – In compliance to DFS directives for Resolution of NPAs, Bank will strive to offload NPAs to ARCs.  To cater to needs of new branches being opened and provide personalized customer service, Bank has placed indent with IBPS for recruitment of 282 POs, 181 Specialist Officers and 811 Clerks for FY

GOING FORWARD 30  IT Initiatives  Bank has provided 1,357 on Site ATMs and 125 off site ATMs  Issue of RuPay Platinum Debit Card.  Mobile Banking on USSD platform has been made operational.  E-KYC has been made operational.  17 E-Smart customer convenience centers have been made operational. Total 200 centers will be established by March  E-Payment of Customs Duty and Dena InstaPay has been introduced.

FINANCIAL INCLUSION 31  Bank has opened lacs accounts under Pradhan Mantri Jan Dhan Yojana [PMJDY] against the target of lacs and also issued lacs RuPay Cards.  Bank has covered all the allotted 6,439 villages under FI. Out of above 5,758 villages through BC model and 681 villages through Brick & Mortar Branches.  Bank has enrolled 6.07 cr residents for Aadhar Number as of March 2015 and having top position among Non State Registrars (NSR) to UIDAI.  Bank has also successfully launched and implementing Direct Benefit Transfer Scheme as per GOI Guidelines through Aadhar Payment Bridge System (ABPS) and Aadhaar Enabled Payment System (AEPS).  Bank has opened lacs BSBDAs (Basis Savings Bank Deposit Accounts) and has extended in build OD facility.