9 th annual Banking Summit cum Social Banking Excellence Awards 2013 Strictly Private & Confidential Growth with Equity

Total asset: US$1.5 trillion in FY12, expected to touch US$ 28.5 billion by FY25 Lending and Deposits increased at CAGR of 22.8% and 21.2%, respectively, during FY06-13 Increase in number of ATMs to 104,500 in 2012 and is expected to double by 2014 Internet and Mobile banking gaining popularity, 7% of the total customers use internet banking Products Offered: – Retail Banking – Wholesale Banking – Treasury Banking Overview

Improved risk management practices Diversification of revenue stream Technological Improvement Focus on Financial Inclusion Derivatives and risk management products Consolidation Wide Usability of RTGS and NEFT Recent Trends

Capital requirements: Minimum regulatory capital requirement based on risk weighted assets Supervisory review process: Framework to deal with risks that banks face from time to time Market discipline: Increasing disclosures by banks to bring more transparency BASEL III Norms

Financial Inclusion ( ) The RBI has aimed to provide banking services through a banking branch in every village having a population of more than 2000 Increase in rural income is pushing up demand for banks Financial Inclusion Plan (2010–13) has increased the penetration of banking services in rural areas Banking connectivity increased more than threefold from 67,694 villages, at the beginning of the plan period, to 211,234 by Dec12 Basic Savings Bank Deposit Accounts (BSBDA) have gone up from million in 2010 to million by 2012

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