1. STATE BANK OF TRAVANCORE HEAD OFFICE THIRUVANANTHAPURAM ANALYSTS MEET 26 th JULY 2013 11

2. STATE BANK OF TRAVANCORE 19452013 2 11

3.  State Bank of Travancore (SBT) was originally established as the Travancore Bank Ltd. on 12 th September 1945 in the erstwhile Princely State of Travancore with a paid up capital of Rs.1 crore. 30 percent of the capital was contributed by the then Government of Travancore and remaining by 4000 shareholders. The Bank became a Scheduled Commercial Bank in 1946 and in 1960 it has become a subsidiary of the State Bank of India and assumed its present name SBT and hence it is a part of the State Bank Group. It grew in size between 1959-65 through a series of takeovers, amalgamations and mergers. 11 3

4.  Head Office & Registered Office at Thiruvananthapuram  Central Data Centre at Belapur  7 Zonal offices  3 NW GMs at TVPM, EKM & CHENNAI ( as on 30/06/2013)  2 Stand Alone DGM Headed Regional Offices  12 off-site Regional Offices ( as on 30/06/2013)  7 Commercial Branches for Corporate Credit  13 Commercial Business Group Branches Organisational Structure & Management 11 4

5. Bank at a Glance 11 5

6.  Gross Business Turnover crosses Rs.1,55,275 crore  Net Profit Rs. 186 crore  Operating profit : Rs. 419 crore  Book value Per Share Rs.862.68 [Rs 10 face value]  Earning Per Share Rs.148.52 [Annualized]  Net Interest income up by 13.86% to Rs. 583crore ( YoY) Performance Highlights – June 2013 6 11

7. Highlights – Profitability Parameters– June 2013 7 11

8. BUSINESS HIGHLIGHTS– Jun 2013 % Jun 12Jun 13 Advances Growth (YoY %) 20.0618.56 Advances (ASCB market share) 1.191.24 Deposits Growth (YoY %) 21.7519.78 Deposits (ASCB market share) 1.181.25 8 11

9. Efficiency Parameters 9 11

10. Share Holding Pattern — June 2013 10 11

11. Dividend History 11

12. SHARE PRICE MOVEMENT 12 11 HIGH DATE LOW DATE (In Rupees) Apr-13 568 29.04.2013501 10.04.2013 May-13 574 08.05.2013518 31.05.2013 Jun-13 550 24.06.2013482 26.06.2013

13. PEER GROUP COMPARISION Mar 2013 (Latest RBI data) Parameters SBTAll BanksPeer % Gr Advances 22.0515.1218.41 % Gr Deposits 18.4014.4217.94 C.R.A.R. (Basel II) 11.7013.8412.08 Gross NPA 2.563.422.87 Net NPAs 1.251.461.38 Gross NPA plus Std Restructured A/cs Ratio Credit Deposit Ratio 5.73 80.81 10.85 76.49 -- 76.28 Return on Equity 15.5412.8214.70 Return on Total Assets 0.671.040.85 Non- int income to Total income 7.0311.218.14 Efficiency (Cost Income) Ratio 51.4146.2544.58 13

14. DEPOSITS ADVANCES CD RATIO Market Share & CD Ratio Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 14

15. In Percentages Advances Exposure across Segments Jun-13 Jun-12 51.82 23.69 17.33 15.07 26.44 7.30 51.19 15 11

16. BRANCH EXPANSION DETAILS 16 11

17. Expanding Footprint No. of Branches 920 1013 1014 94 No. of ATMs 948 965 1006 58 Hits per day 220 227 207 -13 No. of Debit Cards 56.8466.3270.3913.55 No. of customers 4.805.615.86 1.06 No. of transactions 15.9268.1221.63 5.71 Registered mobile users 0.931.451.48 0.55 No. of transactions 1.084.601.62 0.54 % of total transactions on alternate channels 36.18% 55.77 % 57.06%20.88% Branches ATMs Debit Cards (in lacs) Internet Banking (in lacs) Mobile Banking (in lacs) Alternate Channels Jun’ 12 Mar’ 13 Jun’ 13YOY Incr. 11 17

18. DIRECT BENEFIT TRANSFER(DBT) : As part of DBT, Wayanad and Pathanamthitta Districts of Kerala were selected for AADHAR LINKING. We have opened 3.85 lac accounts, linked with AADHAR for direct transfer for benefits under LPG and other Govt Schemes FINANCIAL INCLUSION :  29 FI villages in Kerala and 6 FI villages in Tamilnadu allotted to our Bank.In Kerala we have opened new branches and in other area basic banking services provided through Business Correspondents(BCs). As part of FI 19.82 lacs Janapriya ZeRO Balance accounts opened of which 35000 is opened in FI villages 11 18

19. Community Service Banking: 622 Social Circles spread over branches and Administrative Offices. Rs.10 lacs donated to Santhi Bhavan Trust, Hosur, for installation of Solar Panel, distribution of Text book and study materials  Ambulance Van donated to Deena Daya Seva Trust Thodupuzha at a cost of Rs.7 lacs  Distributed water purifiers to schools through our entire net work.  Donated 5 ceiling fans each to deserving schools by all our offices. 11 19

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