1. Performance During Q4/Full Year : FY15-16 A Year of Balance Sheet Consolidation & Capital Optimisation

2. 2 Q4 FY16 ParameterRs. Crore YoY Growth % Total Business894667-5.19% Total Deposits513005-3.55% Gross Advances381662-7.30% CASA deposits12792411.84% Priority Sector Advances 1046565.31% MSME Advances491900.11% Retail Advances3777710.61% Net Interest Income (Q4) 3,18711.94% Ratios for Q4 FY16 Parameter(in %) Gross NPA13.07% Net NPA7.79% Provision Coverage Ratio 51.14% (52.40 % in Mar-15) CASA (%) 34.18% (29.48 % in Mar-15) NIM (Full Year) Global Domestic 2.11 (2.11 in Mar-15) 2.50 (2.49 in Mar-15) Cost to income Ratio61.76 Capital Adequacy (Basel-III)12.01% - CET1 (%)7.97% -Tier- I9.03% -Tier- II 2.98% PERFORMANCE AT A GLANCE

3. Business Mix (Deposits + Advances) Mar 15Jun 15Sep15Dec 15 Mar 16 Y-O-Y Growth % Global Business 943,633903,874920,980 926,686894,667-5.19 Domestic 687,515657,346668,421 669,816645,888-6.05 Foreign 256,118246,528252,559 256,870248,779-2.87 Global Deposits 531,907508,260525,195 528,772513,005-3.55 Domestic 398,000376,360389,864 391,480377,309-5.20 Foreign 133,907131,900135,331 137,292135,6961.34 Global Advances 411,726395,614395,785 397,914381,662-7.30 Domestic 289,515280,986278,557 278,336268,579-7.23 Foreign 122,211114,628117,228 119,578113,083-7.47 Business -Sequential ( `.in Crores) 3

4. Savings Deposit YoY Growth: 12.54 % Savings Deposit YoY Growth: 12.54 % Current Deposit YoY Growth: 8.04% Current Deposit YoY Growth: 8.04% CASA YoY Growth: 11.84% CASA YoY Growth: 11.84% CASA Profile 4 ( `. in Crores) CASA Ratio: 34.18 % CASA Ratio: 34.18 %

5. Key Sectors – Domestic Credit Industry Mar. 15Jun 15Sep 15Dec15 Mar. 16 Y-O-Y Growth % % to Domestic Credit MAR 15 MAR 16 Agriculture 43,25943,26144,84645,22245,0804.2114.9416.78 MSME (Priority & Non- Priority) 49,13747,81647,92349,44549,1900.1116.9718.31 Retail 34,15333,58234,93835,45337,77710.6111.8014.07 Corporate & Others 162,966156,327150,850148,216136,532-16.2256.2950.83 Total 289,515280,986278,557 278,336268,579 -7.23100.00 (` in Crores) 5

6. Particulars Mar. 15Jun 15Sep.15Dec15 Mar. 16 Y-O-Y Growth % %age to Domestic Credit Mar-15 Mar-16 Home Loan16,66416,992 17,97318,44819,65817.975.767.32 Mortgage Loan 4,1444,234 4,4224,6585,05421.961.431.88 Auto Loan2,7332,742 2,7412,8432,8925.820.941.08 Education Loan 2,9182,960 3,0763,1223,1437.711.011.17 Personal Loan 1,0851,097 1,0981,1201,1778.480.370.44 Others6,6095,557 5,6285,2625,853-11.442.282.18 Total 34,15333,582 34,93835,45337,77710.6111.8014.07 ( ` in Crores) Retail Credit 6

7. Industry Mar. 15Jun 15Sep 15Dec 15 Mar. 16 Y-O-Y Growth % % to ANBC Agriculture* 45,94745,94948,70049,78750,5089.9317.27 Out of which, S&MF 17368---2073719.40 7.09 (7 %) MSME 40,89139,45740,43841,23239,466-3.4813.49 Out of which, Micro. Ent. 18328---190794.10 6.52 (7%) Housing Loan 8,2318,3709,1819,67610,31425.31 Educational Loan 2,8722,9133,0213,0873,0937.69 Others 1,4431,4031,6331,2431,275-11.64 Total Priority Sector Advances 99,38398,092102,973105,025104,6565.31 35.78 (35.20%) ( `. in Crores) Priority Sector Advances (Revised definition) 7 * Including RIDF Rs.6936 crores ( out of which, NABARD-Rs.5428 cr,SIDBI-Rs.894 cr and NHB-Rs.614 cr)

8. Particulars Mar. 15Jun 15Sep 15Dec.15Mar. 16 Y-O-Y Growth % % to Domestic Advances Infrastructure 49,01648,29148,31749,67945,935-6.2917.1 Basic Metal & Metal products 13,36613,35012,44113,62713,6492.125.08 Textiles 10,0079,5299,1799,9149,798-2.093.65 Gems & Jewellery 6,3485,9545,8356,0895,970-5.952.22 Chemicals & Chemical products 6,1875,6135,4655,9315,496-11.172.05 Vehicles, vehicle parts & Transport equipment 2,5752,6542,6842,7593,27827.31.22 Rubber, Plastic & their products 2,7162,5132,3132,3422,377-12.480.89 Construction 1,5471,5361,5331,5381,486-3.940.55 Other Industries 32,30226,39524,77527,41728,356-12.2210.56 Total 124,064115,835112,542119,296116,345-6.2243.32 (`. in Crores) Domestic Credit- Industry Wise 8

9. ParticularsMar 15Dec 15 Mar 16 Y-O-Y ( % ) Power33,38633,64329,706 -11.02 a) SEBs17,39117,45816,400 -5.70 -GENERATION6,9657,2836,205 -10.91 -TRANSMISSION1,7551,9831,415 -19.37 -DISTRIBUTION8,6708,1928,780 1.27 b) Others18,31516,18513,306 -27.35 Roads and Ports10,75110,81511,046 2.74 Telecom927956936 0.97 Other Infrastructure3,9524,3554,247 7.46 Total49,01649,76945,935 -6.29 ( `. in Crores) Advances - Infrastructure Sectors 9 *O/S in Distribution Companies & SEB also includes outstanding in Bonds

10. Implementation of UDAY Scheme Total Exposure to State Electricity Corporations : – Generation - Rs. 6205 crs. – Transmission - Rs. 1414 crs. – Distribution – Rs. 8780 crs. --------------------------------------------------------------------------------------------------- Total = Rs.16399 crs. Exposure on 7 DISCOMS Covered under UDAY Scheme : Rs. 5882.08 crs. of which ParticularsAmountProvision Converted into Non SLR SDL in FY’2015-163532.64Nil TL proposed to be converted into Non SLR SDL in FY’2016-17383.17Nil Discom Bonds not envisaged to be converted into Non SLR SDL727.60109.14 (@15%) Diminution in fair value (NPV)-24.11 WC Facilities not covered under UDAY103.00Nil Implementation pending (Punjab State Government)1135.67Nil (Rs. in Crs.)

11. Food Credit – Credit availed by Govt of Punjab State Sanctioned Limit – Rs 2500.52 Crore. Amount O/s – Rs 2206.11 Crore. Provision on standard Asset – Rs 165.46 Cr @ 7.5% in terms of RBI letter No DBR.No.BP.13018/21.04.048/2015-16 dt 12.04.2016.

12. PeriodDomesticForeignGlobal FY 12-138,1883338,521 FY 13-145,8611806,041 FY 2014-157,7774258,202 FY 2015-16 ( Q1 )99- FY 2015-16 ( Q2 )201- FY 2015-16 ( Q3 )327- FY 2015-16 ( Q4 ) 246- TOTAL RESTRUCTURED PORTFOLIO 27857131829,175 Of Which a) Standard1252035212,872 b) NPA1533796616,303 (`. in Crores) Restructured Assets 12

13. ItemMar 15Jun 15Sep 15Dec 15 Mar 16 CDR Restructuring4,9923,8323,1692,1881,686 Domestic4,6933,6893,0232,0541,584 Foreign299143146134102 Other Restructuring16,82615,55916,13815,08211,186 Domestic15,48714,22615,65514,64210,936 Foreign1,3391,333483440250 Total 21,828 (5.30%) 19,391 (4.90%) 19,307 (4.88%) 17,270 (4.34%) 12,872 (3.37%) Domestic20,18017,91518,67816,69612,520 Foreign1,6381,476629574352 (`. in Crores) Standard Restructured Advances - Sequential 13 Figures in ( ) represents % to Gross Advances

14. Restructured PortfolioFY 2013-14FY 2014-15FY 2015-16 STDNPATOTALSTDNPATOTALSTDNPATOTAL Restructured as at April 1 17,640 3,783 21,423 18,870 4,466 23,336 20,180 8,057 28,237 Fresh Restructuring during the FY 4,397 1,016 5,413 5,223 1,104 6,3276349201,554 Accounts slipped during FY -1,754 1,754 - -3,773 3,773 --6,7206,720- Closed during FY** -1,372 -1,664 -3,036 -1,727 -1,451 -3,178-687-398-1,085 Change in outstanding -299 -165 -464 1,126 626 1,752-1,027178-849 Upgraded during the year 258 -258 - 461 -461 -140-140- Restructured as at March 31 18,870 4,466 23,336 20,180 8,057 28,23712,52015,33727,857 ** Includes accounts Sold to ARC/ Total restructured dues paid off, Restructured loan facility paid off.i.e. only CC facility remains. Movement in Restructured Portfolio as on 31.03.2016 (Domestic) 14

15. (`. in Crores) Flexible Structuring under 5/25 Scheme 15 Bank has approved flexible structuring of 10 projects under 5/25 Flexible Structuring Scheme. Total Sanctioned Amount under Flexible structuring of Rs. 2,165.35 Crores. Total number of SDR cases is 18 accounts (out of which 9 accounts were approved, 2 were declined while 7 are under process). o Total exposre:Rs.40,544 crore out of which, BOI’s exposure: Rs.2,378 crore.

16. SMA-0,1,2 ACCOUNTS – AS ON 31.03.2016 VERTICAL No. of Borrowers FB O/SNF O/sFB+NFB O/STotal Exposure with us SMA-0 3899147314642690 SMA-1 22471881208839612253 TOTAL 26281791681986014943 SMA-2 1691108917931288218755 TOTAL 4311926834742274233698 16 REPORTED TO RBI-CRILC (Central Repository of Information on Large Credits) EXPOSURE OF RS. 5 Crore and above (`. In Crores)

17. Sale of Assets to ARCs 17 (`. in Crores) Item FY 2013-14 FY 2014-15 Q1 FY 2015-16 Q2 FY 2015-16 Q3 FY 2015-16 Q4 FY 2015-16 FY 2015-16 (full Year) Net Outstanding of Accounts sold 4,7432,844643588133 Of which, Prudential written off (PWO) Accounts sold 2,30424100000 Existing Gross NPAs sold 1,3751,575643588133* SMA-21,0641,02800000 * Non fund based of already sold accounts

18. ItemMar-15 June-15Sept.-15 Dec.-15 Mar-16 STANDARD 389,534368,725365,891361,395331,783 SUB-STANDARD 9,12010,63311,70612,081 14,392 DOUBTFUL 12,15815,07516,61622,97533,443 D1 6,5508,0248,3818,709 14,976 D2 4,8286,4757,75513,338 16,543 D3 780576480928 1,924 LOSS 9151,1811,5711,463 2,044 NPA 22,19326,88929,89336,51949,879 GROSS ADVANCES 411,727395,614395,784397,914 381,662 18 (`. in Crores) Assets Classification – Sequential (Global)

19. Item Mar-15June-15Sep-15Dec-15 Mar-16 Gross NPA 22,19326,88929,89336,51949,879 Net NPA 13,51815,78916,46619,97927,996 Gross NPA % 5.396.807.559.1813.07 Net NPA % 3.364.114.315.257.79 Provision Coverage Ratio % 52.4052.1555.0854.5051.14 Asset Quality – Sequential (Global) 19 (`. in Crores)

20. Movement of NPA –Global (Q-o-Q) 20 Item Mar 2015Jun 2015Sep 2015Dec2015 Mar 2016 Opening Balance 16,69422,19326,8892989336,519 Less : Recovery 2554687998701,214 Upgradation 4781,193145915231,829 Write Off 315178989789402 Total reduction 1,0481,839324731813,445 Add : Slippages 6,5476,5356250980816,805 Closing Balance 22,19326,88929,89336,51949,879

21. (`. in Crores) Movement of NPA(Including AQR) –Global (Y-O-Y) 21 Item Mar 2015 Mar 2016 Variation (Y-o-Y) Opening Balance 11,86922,193 87% Add:- Slippages 16,65138,606 132% Out of which AQR 010,052 Sub Total 28,52060,799 113% Less:- Recovery 2,6883,555 32% Upgradation 2,3814,992 110% Write Off and Rev. of URI 1,2582,374 89% Total reduction* 6,32710,921 73% Out of which NPA sold to ARC 2,844- - Total reduction of NPA excldg. ARC sale 3,48310,921 214% Gross NPA (Closing Balance) 22,19349,879 125% Provision 8,67621,883 152% Out of which AQR 04,073 Net NPA 13,51727,996 107% Gross NPA (%) 5.3913.07 142% Net NPA (%) 3.367.79 132%

22. SectorMar- 15Dec-15 Mar- 16 % to Sectoral Advances Mar 15 Mar 16 Agriculture 1,2042,4842,8503.186.66 Industry 13,69823,08231,09711.3729.14 Services 4,9937,4498,4715.0910.56 Retail 3506737061.221.92 Total 20,24533,68843,1246.9916.05 (`. in Crores) Sector wise NPA 22 Domestic SectorMar-15Dec-15 Mar- 16 % to Sectoral Advances Mar 15 Mar 16 Trade 4807399191.857.73 Manufacturing 4749992,1505.7126.12 Real Estate 21124022712.0613.14 Others 7838533,4590.913.79 Total 1,9482,8316,7551.595.97 Overseas (`. in Crores)

23. LimitMar- 15Dec-15 Mar- 16 % Share to Gross Domestic NPA No. of A/c Amount No. of A/c Amount No. of A/c Amount% Upto 10 lakh 1573531,50319111419741736272,2215.15 Above 10 lakh to 50 lakh 44618817331149375701,5313.55 Above 50 lakh to 1 crores 4943548926518516361.47 Above 1 crore to 10 crore 6112,16298634459563,3427.75 Above 10 crore 89315,3454032612543735,39482.07 Domestic 16381220,2452007263368818344143,124100.00 Overseas 1151,94813228311466,755 Global 16392722,1932008583651918358749,879 (`. in Crores) Limit wise NPA -Domestic 23

24. (`. in Crores) Assets code wise movement in NPA 24 ParticularsMar 15June 15Sept 15Dec 15Mar 16 Variation (Y-o-Y) % SUB –Standard 9,11910,63311,70612,08114,39257.82 Doubtful-I 6,5508,0248,3818,70914,976128.64 Doubtful-II 4,8286,4757,75513,33816,368239.02 Doubtful-III 7815764809281,924146.35 Loss 9151,1811,5711,4632,044123.39 Total 22,19326,88929,89336,51949,704123.96

25. (`. in Crores) Assets code wise movement in Provision (Global) 25 ParticularsMar 15June 15Sept 15Dec 15Mar 16 Variation (Y-o-Y) % SUB –Standard 1,7851,9362,3251,9902,5904.52 Doubtful 4,8286,6488,25710,79517,29030.18 Doubtful-I 1,9872,7273,1843,6925,90510.31 Doubtful-II 2,4823,4744,3106,3539,55416.67 Doubtful-III 3594477637501,8313.20 Loss 8211,1041,3071,9202,8034.89 Total 7,4349,68811,88914,70521,88338.19 PWO 6,2066,1086,7647,3867,42012.95 Grand Total 13,64015,79618,65322,09129,30351.14

26. Average provisions - Domestic 26 (`. in Crores) 31.03.201531.03.2016 O/SPROV.% of PROVO/SPROV.% of PROV STANDARD389,5332,3740.60331,7832,2860.69 SUB-STD9,1201,64218.0014,3922,59018.00 DOUBTFUL-I6,5502,47137.7314,9765,90539.43 DOUBTFUL-II4,8282,92260.5216,5439,55457.75 DIUBTFUL-III78175096.031,9241,83195.17 LOSS91589097.272,0442,00397.99 TOTAL411,72711,0492.68381,66224,1696.33

27. (`. in Crores) Wilful Defaulters and Suit filed Accounts 27 Total No. of CasesSuit FiledFIR Filed SARFAESI Action Initiated NumberAmountNumberAmountNumberAmountNumberAmount 33837361312151868267927 Number of AccountsAmount Of which Rs. 5 Crores and above SUIT FILED 101809580 6740 (255 Accounts) DECREED 492126891665 ( 79 Accounts) WILFUL DEFAULTERS Suit Filed & Decreed Accounts

28. March,2016 Particulars AFSHTMHFTTotal 1. SLR Investments 21,63478,023130 99,787 Of Which: Government Securities 21,634 78,023130 99,787 Other Approved Securities 0 00 0 M Duration 4.434.55 6.87 4.52 2. Non SLR Investments 10,212 5,1800 15,392 M Duration 3.794.93 0 4.23 Total 31,846 83,203 130 115,179 ( `. in Crores) Investments - Domestic 28

29. 29  Treasury Income stood at the level of Rs 854.94 crores in Q4 of FY16. The increase in income provided support to both interest and Non Interest Income.  Total size of Bank’s Domestic Investment as on 31 st Mar., 2016 stood at Rs. 1,15,179 crore.  As on 31 st March, 2016, the share of SLR-Securities in Total Investment is 86.64%.  The bank had 78.19 % of SLR-Securities in HTM 21.68 % in AFS and 0.13% in HFT as on 31 st March, 2016.  The percent of SLR to NDTL as on 31 st March, 2016 was at 25.78 %.  The bank shifted SLR Securities worth Rs. 18,223.41 Crore from HTM to AFS portfolio during FY16.  In Q4, FY16 amount of Rs.144.47 Crore is provided towards additional depreciation on Investments. Performance of Treasury operations

30. Particulars Quarter ended Y-O-Y (%) Year ended Y-O-Y (%) Mar. 15Mar.16Mar. 15Mar.16 Interest Income11,16510,501-5.9543,43041,796-3.76 a. From Advances8,0357,335-8.7131,67830,371-4.13 b. From Investments2,3752,120-10.749,4008,952-5.06 c. From Other7551,04638.542,3522,4735.14 Interest Expended8,3197,314-12.0832,08630,072-6.28 a. On Deposits7,5176,411-1528,92126,927-6.89 b. On Borrowings50859917.912,2262,105-5.44 c. Subordinated Bonds & Others 29330449391,04010.76 Net Interest Income28473,18711.9411,34411,7243.35 (`. in Crores) Net Interest Income 30

31. ( `. in Crores) Non-Interest Income 31 Particulars Quarter ended Y-O-Y Variation % Year ended Y-O-Y Variation % Mar. 15Mar.16Mar. 15Mar.16 Commission, Exchange & Brokerage 408370-9.311,6101,404-12.80 Profit from Sale of Investments 21593-56.74931750-19.44 Profit from Exchange Transactions 174142-18.39686662-3.50 Recovery In W/o accounts12187-28.10363243-33.06 Other Non Interest Income204192-5.88642594-7.48 Total Non-Interest Income1122884-21.214,2333,653-13.70

32. Profitability 32 Quarter ended Y-O-Y% Variation Year ended Y-O-Y% Variation Particulars Mar. 15Mar.16Mar. 15Mar.16 1. Total Income 12,28711,385-7.3447,66345,449-4.65 a. Interest Income 11,16510,501-5.9543,43041,796-3.76 b. Non Interest Income 1,122884-21.214,2333,653-13.70 2. Total Expenditure 10,8609,921-8.6540,17539,413-1.90 a. Interest expended 8,3197,314-12.0832,08630,072-6.28 b. Operating Expenses 2,5412,6072.608,0899,34115.48 3. Operating Profit 1,4271,4642.597,4886,036-19.39 4. Net Profit -56 -3,5871,709-6089 -456.29 5. Deferred Provisions 3701482 (`. in Crores)

33. Provisions 33 Particulars Quarter ended Variation (%) Year ended Variation (%) Mar. 15Mar.16Mar. 15Mar.16 Operating Profit 1,42714642.597,4886,036-19.39 Provisions for B&D 2,2405442142.955,22714102169.80 Standard Assets 9467-28.72409-128-131.00 NPV / Others -78-173121.79107-498-565.42 Depreciation on Investment 0134 - -50351 -802.00 Total Provisions before Tax 2,2565,470142.465,69313,827143.88 Taxation -773-419 -45.80 86-1702 Net Profit -56-3587-1,709-6089 (`. in Crores)

34. March 15March 16 Particulars Global Cost of Deposits5.664.98 Yield on Advances8.148.20 Yield on Investments7.977.36 NIM1.932.06 Cost to Income Ratio64.0561.76 N Key Financial Ratios (Quarter ended ) 34

35. March 15March 16 Particulars Global Cost of Deposits5.705.25 Yield on Advances8.368.28 Yield on Investments8.087.81 NIM2.11 Cost to Income Ratio51.9355.72 N Key Financial Ratios (Year ended) 35

36. ParticularsMar 15Dec15Mar 16 Capital Adequacy - Basel III CET1 Capital26,09124,58027,385 AT1 Capital3,6183,0853,662 Tier I Capital29,70927,66531,047 Tier II Capital9,28911,94810,242 Total Capital38,99839,61341,289 Total Assets618,698614,743 609,914 Risk Weighted Assets363,523351,113343,754 CRAR – CET1 (%) (6.125%)7.187.007.97 CRAR – AT1 (%) (1.5%)1.000.881.07 CRAR – Tier I (%) (7.625%)8.177.889.03 CRAR - Tier II (%) (2.00%)2.563.402.98 Capital Adequacy Basel III (%) (9.625%)10.7311.2812.01 Capital Adequacy – Basel-III 36 (`. in Crores)

37. Rating Wise Distribution of Assets Mar 15 % of total Advances Mar 16 % of total Advances No. of A/cAmountNo. of A/cAmount AAA 10912,0064%38 5,6792% AA 12115,9415%116 12,2244% A 46517,7546%327 19,0097% BBB 1,38625,6359%783 20,3507% Sub Total 2,08171,33524%1,264 57,26320% Unrated 5,72544,86715%6,191 32,97712% BB & Below 2,28324,7588%1,244 16,8226% Sub Total 10,089140,96048%8,699 107,06238% Other Advances 42,05,719155,23152%44,28,739 175,17262% Total Advances 42,15,808296,191100%44,37,438 282,233100% Rating Wise Distribution of Assets ( `.in Crores) 37

38. Multiple Delivery Channels Branch Expansion Debit Card (‘000) ATM Roll-Out 38

39. Multiple Delivery Channels (cont’d) Internet Banking Users - Retail (‘000) Mobile Banking Users 39 e-Galleries Internet Banking Users - Corporate

40. Performance Under Financial Inclusion 40 As on 31.12.2015As on 31.03.2016 ParticularsNo. of AcctsAmt. (Rs. Cr.)No. of AcctsAmt. (Rs. Cr.) PMJDY (Lacs)100.18985113.501,442.93 Zero Balance Accts (Lacs)36.20-24.92- OD Sanctioned (No.)22,2711.75106,3746.67 PMSBY (Lacs)33.82-34.27- PMJJBY (Lacs)12.38-12.56- APY (Lacs)0.79-0.95- PMMY Shishu (Actual)289,906535.30296,079658.47 PMMY Kishor44,022813.3268,5691,285.87 PMMY Tarun7,659510.9811,838807.94 PMMY Total341,5871,859.62376,4862,752.28

41. Financial Inclusion 41 FLCs – Outdoor activities undertaken RSETI – Candidates Trained A/cs through BC Channel (Amt Rs. lacs) (Amt. Rs.cr.)

42. Shareholding Pattern- 31.03.2016 42

43. Raising Capital during the FY2015-2016 43 (`. in Crores) Date of Allotment Particulars (Investors) Price per Share (In Rupees) Amount (Rs. In Crore) 30.09.2015Government of India193.302455 05.01.2016Life Insurance Corporation132.06264 30.03.2016General Insurance Corporation of India86.2240 04.05.2016 Government of India (Application money received on 30.03.2016) 113.321150 04.05.2016 Life Insurance Corporation (Application money received on 31.03.2016) 96.03153.65 31.12.20158.52% Tier 2 Bonds-202510,00,0003000

44. Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of Minister of Rural Development. Awards & Recognition 44 Bank received “PMJDY Excellence Award” from Honorable Union Minister Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards. Bank received National Payments Excellence Awards 2015 awards for - Top Issuer of Rupay Card in Special Category - Special Award in Large Banks Category for NFS product. Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT. Bank received “Best Bank” award for “use of Technology for Financial Inclusion among Large Banks” for FY 2014-15 from IDRBT at the hands of Governor, RBI. Bank received “Best MSME Banking Excellence Award” for “Best Performance in Micro Units Development and Refinance Agency (MUDRA) loan” under Large Bank category from Hon’ble Union Minister, Shri Piyush Goyal. Bank has been rated by Economic Times as the “Second Most Trusted Brand” in India among the PSU banks in 2015.

45. THANK YOU! 45