1. Beach picture photo

2. STATE BANK OF TRAVANCORE HEAD OFFICE THIRUVANANTHAPURAM ANALYST MEET AT MUMBAI 06 th Nov 2013 2

3. BRIEF HISTORY OF STATE BANK OF TRAVANCORE Established as The Travancore Bank Ltd. on 12 th September 1945 Founder: Maharaja Chithira Thirunal Balarama Varma of the erstwhile princely State of Travancore Initial paid up capital of Rs one crore 30 percent by the then Government of Travancore Became a Scheduled Commercial Bank in 1946 In 1960, became a subsidiary of the State Bank of India Renamed State Bank of Travancore 3 3

4. Head Office & Registered Office at Thiruvananthapuram Central Data Centre at Belapur, Integrated Treasury at BKC Mumbai 3 Network GMs at Thiruvananthapuram, Ernakulam & Chennai 9 Modules and 27 Regional Offices 9 Specialised NRI branches 7 Commercial Branches for Corporate Credit 13 Mid Corporate Branches ORGANISATIONAL STRUCTURE 4

5. Bank at a Glance 5

6. Operating profit : Rs. 729 crore Net Profit Rs. 241 crore Book value Per Share Rs. 868.42 [Rs 10 face value] Earning Per Share Rs. 96.40 [Annualised] Net Interest income Rs. 1182 crore – Up by Rs.153 crore (YoY) Performance Highlights – Sept 2013 6 6

7. BUSINESS HIGHLIGHTS– Sept 2013 Sept 12Sept 13 Advances Growth (YoY%) 2117 Advances (ASCB market share) 1.191.21 Deposits Growth (YoY%) 21 Deposits (ASCB market share) 1.161.27 7 7

8. Highlights – Profitability Parameters 8 (In %) Sept 12Sept 13YOY % Net Interest Income1029118215 Other Income27239846 Operating Income1301158021 Operating Cost66085029 Operating Profit64172914 Provision (other than tax)22143396 Net Profit317241-24

9. Efficiency Parameters 9 (In %) Efficiency ParametersSept 12Sept 13 Net Interest Margin2.542.44 Cost to Income Ratio50.6953.83 CAR (BASEL III)NA10.13 EPS (Annualised)63.4196.40 CoD7.557.38 YoA11.1110.76 RoA0.730.46 RoE16.2811.33 PCR60.0257.31 9

10. 10 PERFORMANCE COMPARISION - JUNE 2013 Parameters SBTAll BanksPeer % Growth in Total Deposits 4.861.081.29 % Growth in Gross Advances -1.09-0.32-1.05 C.R.A.R. (Basel III) 10.4813.4811.79 Gross NPA % 3.094.003.54 Net NPA % 1.742.132.00 Gross NPA + Std Restructured A/cs Ratio 6.8711.87-- Credit Deposit Ratio 76.2375.4274.51 Return on Equity % 4.37 3.163.12 Return on Total Assets % 0.180.260.18 Non Interest Income to Total income % 9.6613.3410.32 10

11. Shareholding Pattern - Sept 2013 11

12. Dividend History 12

13. SHARE PRICE MOVEMENT 13 HIGH DATE LOW DATE (In Rupees) July-13 512.00 01.07.13444.60 31.07.13 Aug-13 469.95 01.08.13405.10 28.08.13 Sept-13 478.80 19.09.13401.55 04.09.13 13

14. DEPOSITS CD RATIO(as per last Friday of the Quarter) Market Share & CD Ratio Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 ADVANCES ASCB Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 14

15. Advances - Exposure across Segments Sep-13 Sep-12 7.09 48.71 27.43 16.77 15 Mar-13 7.20 15.10 26.20 51.49 7.33 14.37 26.96 51.33 %

16. Major Industry-wise Restructured Assets 16 (In Rs crores) IndustryMar 13Sept 13 Iron & Steel409.39688.78 Textiles229.38483.04 Infrastructure529.62572.05 Pharma16.30234.94 Shipping & Transport309.43260.42 Non-ferrous Metals49.98163.34 Engineering169.25178.65 16

17. Major sector-wise NPA 17 (In Rs crores) IndustryMar 13Sept 13 Iron & Steel167.40167.75 Textiles82.8746.37 Infrastructure142.05221.66 Food Processing4.6433.10 Metals10.1911.21 Engineering26.0446.37 17

18. DIRECT BENEFIT TRANSFER (DBT) : As part of DBT, Wayanad and Pathanamthitta Districts of Kerala were selected for AADHAR LINKING. We have opened 11.99 lac accounts, linked with AADHAR for direct transfer for benefits under LPG and other Govt. Schemes as on 30-09-2013 FINANCIAL INCLUSION (FI): 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 areas basic banking services provided through Business Correspondents. As part of FI, 23.83 lacs Basic Savings Accounts opened (of which 37658 in FI villages) Direct Benefit Transfer 18

19. Expanding Footprint No. of Branches 925 1013 1022 97 No. of ATMs 949 965 1034 85 Hits per day 212 227 225 13 No. of Debit Cards 59.7466.3175.9616.22 No. of customers 5.065.616.46 1.40 No. of transactions 32.4168.1249.45 17.03 Registered mobile users 1.041.451.53 0.49 No. of transactions 2.114.603.10 0.99 % of total transactions 40.8755.7760.7719.90 Branches ATMs Debit Cards (in lac) Internet Banking (in lac) Mobile Banking (in lac) Alternate Channels 19 Sept 12 Mar 13 Sept 13YoY Incr.

20. CORPORATE SOCIAL RESPONSIBILITY Social Circle is a Unique activity of SBT Ambulance Van donated to Deena Daya Seva Trust, Thodupuzha at a cost of Rs.7 lac Rs.11.65 lac distributed among 400 cancer patients of Regional Cancer Centre, Thiruvananthapuram. EEG Machine to Swami Vivekananda Medical Mission, Attappady Distributed water purifiers to schools through our entire network. Donated 10 ceiling fans each to deserving schools by all our offices. Ambulance costing Rs 8.05 lacs to St.Johns Health Service Pirappancode Akshaya Noon Meal Programme for school children was assisted by donating Rs. 3 lacs Donated Rs.5.40 lacs to Kozhikode Higher Secondary School for Handicapped to set up audiology lab Donated Rs.10 lacs to M/s.Santhi Bhavan Trust Hosur for Solar Panel 20

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