1. Relationship beyond banking 1

3. 3

4. Awards & AccoladesAwards & Accolades 4

5. Relationship beyond banking Awards & AccoladesAwards & Accolades 5

6. Relationship beyond banking New IntiativesNew Intiatives 6

7. Relationship beyond banking IT IntiativesIT Intiatives 7

8. Relationship beyond banking Investor Profile- Shareholding Pattern (%)Investor Profile- Shareholding Pattern (%) 8

9. Relationship beyond banking Global Footprints – Foreign Branches of the BankGlobal Footprints – Foreign Branches of the Bank Japan (Tokyo & Osaka) Phnom Penh Singapore Jakarta Ho Chi Minh Hong Kong Kowloon Shenzen Jo’burgh (SA) Kenya (Nairobi, Mombasa, Ind Area & Westlands) Europe -France (Paris) -Belgium (Antwerp) UK (London + 7branches) Channel Islands USA (New York & SFO) West Indies - Cayman Islands Tanzania (Subsidiary) Dubai 9

10. Relationship beyond banking Strategic Investments - Alliances & Jt. VenturesStrategic Investments - Alliances & Jt. Ventures 10

11. Relationship beyond banking Strategic Investments - Alliances & Jt. VenturesStrategic Investments - Alliances & Jt. Ventures 11

12. Relationship beyond banking Credit Rating - International & DomesticCredit Rating - International & Domestic

13. Relationship beyond banking 13 Highlights

14. Relationship beyond banking Major Business ParametersMajor Business Parameters 14 Quarter ended Mar-10Jun-10Sep-10Dec-10Mar -11 Business Mix4,010,7884,104,9274,254,4794,452,7955,150,401 Deposits2,297,6192,336,6782,410,7112,525,2572,988,858 Advances1,713,1691,768,2491,843,7681,927,5382,161,543 Operating Profit12,75414,10613,79613,88812,053 Net Profit4,2797,2516,1686,5324,936 NIM (%)2.572.892.813.092.94 Gross NPA (%)2.852.712.642.362.23 Net NPA (%)1.311.181.140.880.91 Return on Assets(%)0.651.050.870.890.61 Rtn. on Equity (%)13.7422.6318.2918.5013.19 Book Value (INR)236.84250.63262.36274.78283.24

15. Relationship beyond banking Deposits 15

16. Relationship beyond banking Domestic Deposits (CASA) 16

17. Relationship beyond banking Domestic Deposits – Category-wise 17

18. Relationship beyond banking Gross Advances 18

19. Relationship beyond banking Domestic Advances – Category Wise as on 31.03.2011 19

20. Relationship beyond banking Key Sectors(Domestic Credits) Mar-10Mar-11% Y-o-Y Growth Agriculture182,560227,38024.55 SME (Priority & Non Priority)295,680355,86020.35 Retail Credit157,500166,4805.70 Corporate716,200901,75025.90 20

21. Relationship beyond banking Major Industry-wise Advances - Domestic 21 Mar-10June-10Sep-10Dec-10Mar-11 YoY Growth % Textiles59,20059,21061,82063,69071,700 21.12 Chemicals & Chemical products 38,36037,35038,84039,24043,790 14.16 Rubber, Plastic & their products 12,82013,67015,55016,16018,730 46.10 Basic metal & metal products 84,21091,26091,45093,390104,860 24.52 Vehicles, vehicle parts & Transport equipment 17,89014,90022,36023,34023,600 31.92 Gems & Jewellery23,21022,93025,47025,53028,110 21.11 Infrastructure164,950190,880200,610200,980204,040 23.70 Other Industries143,130146,650116,720122,570143,280 0.10

22. Relationship beyond banking Advances to Sensitive Sectors - Domestic 22 SECTOR MAR-10JUNE-10SEP-10DEC-10Mar-11 % of Total Advances Total Advances 1,351,9401,393,5911,446,9631,509,0301,651,472 100% REAL ESTATE 182,153194,960177,350 194,974203,623 12.33% Out of which  HOUSING LOAN 71,50084,50074,49075,61074,783 4.53%  MORTGAGE LOAN 17,21016,59015,77015,19014,950 0.91%  COMML. REAL ESTATE 59,96252,79047,01047,01340,546 2.46%  Others(Invest & Indirect) 33,46141,08040,80058,54073,344 4.44%  CAPITAL MARKET 33,20433,01530,60033,04432,451 1.97%

23. Relationship beyond banking Overseas Advances - Breakup * Others include Staff Loans,Bills discounted for other banks, syndication/ECB loans, FCTL, etc. Mar-10Mar-11 TRADE31,896.3 43,294.7 MANUFACTURING 51,960.8 56,487.3 REAL ESTATE 10,941.8 10,335.4 LOAN AGAINST DEPOSITS 7,450.6 10,367.2 BUYERS CREDIT180,430.0287,181.3 OTHERS * 78,549.7102,405.1 TOTAL361,229.2510,071.0 23

24. Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10MnTotal AmountAmount As on 31.03.201074,75017,11091,86014,267106,127 Additions during Q1 3,020 - - Less Repayment in Restructured a/cs -3,730 -4,130 -7,860 As on 30.06.201074,04012,98087,02014,267101,287 Additions during Q2 3,266 192 3,458- Less Repayment in Restructured a/cs -4,421- As on 30.09.201072,88513,17286,05714,267100,324 RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 24

25. Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10 MnTotal AmountAmount As on 30.09.201072,88513,17286,05714,267100,324 Additions during Q3 6,967 220 7,187 Less Repayment in Restructured a/c s / Exchange fluctuation -2,322 0 - 1,709 -4031 As on 31.12.201077,53013,39290,92212,558103,480 Additions during Q4 5,108 2,297 7,405- Less Repayment in Restructured a/c s -3,965 -238-4,203 - 236 -4,439 As on 31.03.201178,67315,45194,12412,322106,446 RESTRUCTURED ACCOUNTS (Contd…) Includes all facilities of the borrowers 25

26. Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on 31.03.2010 16,1541,50717,661- 16.64 Additions during Q1 718 69 787- Less Repayment in Restructured a/c s 1,092 101 1,193- As on 30.06.2010 15,7801,47517,255- 17.01 Additions during Q2 2,430 227 2,657- Less Repayment in Restructured a/c s 507 189 696- As on 30.09.2010 17,7031,51319,216- 19.15 26

27. Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS (Contd…) 27 DomesticForeignGlobal% of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on 30.09.2010 17,7031,51319,216- 19.15 Additions during Q3 252 24 276- Less Repayment in Restructured a/c s / Exchange fluctuation 1,428 575 2,003- As on 31.12.2010 16,527 96217,489- 16.90 Additions during Q4 972 326 1,298- Less Repayment in Restructured a/c s 614 35 649- As on 31.03.2011 16,8851,25318,138- 17.04

28. Relationship beyond banking Sector-wise breakup of restructured accounts (>10 Mn) (Domestic) in Q4 28 SECTORAMOUNT AGRICULTURE141 CEMENT255 CHEMICALS902 HOTEL973 INFRASTRUCTURE273 MISC261 OTHER METAL262 STEEL293 SUGAR341 TEXT1071 TRADING336

29. Relationship beyond banking Restructured A/Cs Slipped (>Rs.10 Mn) –(Domestic) 29 June 09Sep 09Dec 09Mar 10June 10Sep 10Dec 10Mar 11 Number of Accounts slipped during Quarter 7342434619613 Amount in INR/Mn 7308,3903,6003,4307182,430252972

30. Relationship beyond banking Sector-wise breakup of restructured accounts Slipped (>10 Mn) (Domestic) 30 Industry Amount AGRICULTURE14.73 CHEMICALS14.42 ENGINEERING102.86 INFRASTRUCTURE281.87 MISC57.86 SERVICES354.17 STEEL87.71 TEXTILES11.94 TRADING46.59 TOTAL972.13

31. Relationship beyond banking Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 31 S.NoSectorQtr Jun’10 Qtr Sep’10 Qtr Dec’10 Qtr Mar’11 1 AGRICULTURE001815 2 CHEMICALS382416014 3 CRE03300 4 ENGINEERING1001817103 5 INFRASTRUCTURE0510 281 6 MISC2367545958 7 PAPER & PAPER PRODUCTS01700 8 SERVICES02110354 9 STEEL00088 10 TEXTILES0910012 11 TRADING02015847 AGGREGATE7182430252972

32. Relationship beyond banking NPA Ratio 32

33. Relationship beyond banking Mar-10June-10Sep-10Dec-10Mar-11 Gross NPA48,82647,94548,69645,42148,116 Net NPA22,07420,61220,70416,60319,450 Gross NPA %2.852.712.642.362.23 Net NPA %1.311.181.140.880.91 Provision Coverage Ratio % 65.5168.3270.0374.5272.18 NPAs 33

34. Relationship beyond banking NPA Movement Mar-10Mar-11 Indian ForeignGlobalIndianForeignGlobal Opening Gross NPA 21,8972,81224,709 44,8124,01548,826 Total Reduction 15,28040815,688 27,0761,05928,135 Recovery 6,0371796,216 8,7212328,953 Upgradation 1,8142212,035 10,14123710,378 Write-off 7,42987,437 8,2145908,804 Slippages 39,9671,64941,616 27,5001,62229,122 Net Addition/Reduction 24,6871,24125,928 424563987 Gross NPA 46,5844,05350,637 45,2364,57849,813 Less Unrealised Interest on NPA 1,772381,809 1,670271,697 Closing Gross NPA 44,8124,01548,826 43,5664,55148,116 34

35. Relationship beyond banking NPA Sequential Movement Mar-10June-10Sep-10Dec-10Mar-11 Opening Gross NPA 41 87048,826 47,94748,69645421 Total Reduction 7,6686,907 6,6947,8136,721 Recovery 2,0662,415 1,8512,0762,611 Upgradation 4852,090 1,1536,1091,026 Write-off 5,1172,402 3,690-3723,084 Slippages 15,0266,180 8,1844,7659,993 Net Addition/Reduction 7,358727 -1,4893,048-3,272 Gross NPA 49,22848,099 49,43645,64848,693 Less Unrealised Interest on NPA 402153 740227577 Closing Gross NPA 48,82647,947 48,69645,42148,116 35

36. Relationship beyond banking Mar-10 June-10Sep-10 IndianForeign Global IndianForeignGlobalIndianForeignGlobal Closing Gross NPA 44,8124,01548,826 43,8694,07747,94744,2324,46448,696 Total Nettable Credits 24,0232,72826,751 25,8822,81728,69926,4862,91429,400 NPA Provision 19,2652,72821,993 19,8382,81722,65518,7682,89921,667 Other credits 4,758- 6,044- 7,718157,733 Net NPA 20,7891,28622,075 19,3601,26020,62019,1391,56520,704 Gross NPA Ratio (%) 3.311.112.85 3.151.092.713.061.132.64 Net NPA Ratio (%) 1.570.361.31 1.420.341.181.350.401.14 Provision Coverage Ratio (%) 65.3467.9665.51 68.2769.1368.3270.3864.9370.03 NPA Ratios 36

37. Relationship beyond banking Dec-10Mar- 11 IndianForeignGlobalIndianForeignGlobal Closing Gross NPA 40,9824,43845,421 43,5664,55148,116 Total Nettable Credits 27,3073,20030,50725,4823,18428,666 NPA Provision 19,5563,18522,74119,0643,18422,248 Other credits 7,751157,7666,4180 Net NPA 15,3481,25416,60318,3921,36719,450 Gross NPA Ratio (%) 2.721.062.362.640.892.23 Net NPA Ratio (%) 1.040.300.881.130.270.91 Provision Coverage Ratio (%) 74.7271.7474.5271.8769.9872.18 NPA Sequential Ratios 37

38. Relationship beyond banking Sector wise Breakup of NPA - Domestic Mar- 11 % of Total NPA % of Total Sectoral Advances Agriculture 6511.0014.942.94 Industry 16192.0037.162.56 Services 13714.0031.482.29 Personal Loans 7149.0016.414.30 DOMESTIC ( TOTAL) 43566.00 FOREIGN 4549.50 GLOBAL (TOTAL) 48115.50 38

39. Relationship beyond banking Overseas NPAs Mar -10Mar- 11 TRADE1,786.92,018.7 MANUFACTURING 340.3 600.2 REAL ESTATE 1,173.61,222.1 OTHERS 713.6 708.5 TOTAL4,014.44,549.5 39

40. Relationship beyond banking Profitability(Qtr sequential) 40

41. Relationship beyond banking Profit – Summary 41 Qtr Mar 2010 Qtr June 2010 Qtr Sep 2010 Qtr Dec2010 Qtr Mar 11 Variation Y-o-Y (%) 1 Interest Earned45,25148,21751,55654,67563,06939.38 2 Interest Expended29,73430,81233,79534,80639,99634.51 3 Net Interest Income (1 - 2)15,51717,40517,76119,86923,07348.69 4 Non-Interest Income 7,232 5,859 5,845 6,482 8,23113.81 5 Total Operating Income (3+4)22,74923,26423,60626,35131,30437.61 6 Operating Expenses 9,995 9,158 9,81012,46319,25192.61 7 Operating Profit (5 - 6)12,75414,10613,79613,88812,053-5.50 8 Total Provision 8,475 6,854 7,628 7,356 7,117-16.02 9 Net Profit 4,279 7,2516,168 6,5324,93615.35

42. Relationship beyond banking Profitability (Y-o-Y) Income Year ended Y-o-Y % Mar 10Mar 11 1. Total Income 204,946243,935 19.02 a. Interest Income 178,780217,517 21.67 b. Non Interest Income 26,16626,418 0.96 2. Total Expenditure 157,899190,093 20.39 a. Interest expended 121,220139,410 15.01 b. Operating Expenses 36,67850,682 38.18 3. Operating Profit 47,04853,842 14.44 4. Profit before Tax 24,93834,954 40.16 5. Profit After Tax 17,41124,887 42.94 42

43. Relationship beyond banking Profit Geographical Distribution Year ended Y-o-Y % Mar 10Mar 11 Operating Profit Global47,04853,842 14.44 Indian41,60746,280 11.23 Foreign5,441 7,562 38.98 Provisions Global29,63728,955 -2.30 Indian27,15126,347 -2.96 Foreign2,486 2,608 4.91 Net Profit Global17,41124,887 42.94 Indian14,45619,933 37.89 Foreign2,955 4,954 67.65 43

44. Relationship beyond banking Net Interest Income 44 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 Variation Y-o-Y (%) TOTAL INTEREST INCOME 45,25048,21751,55554,675 63,06939.38 INT. INCOME FROM ADVANCES 32,75234,91936,59840,234 43,25232.06 INT. INCOME FROM INVESTMENTS 11,93211,77613,07112,750 14,11918.33 OTHER INTEREST INCOME 5661,5221,8861,691 5,698906.71 TOTAL INTEREST EXPENDED 29,73330,81333,79534,806 39,99634.52 INT. EXPENDED ON DEPOSITS 26,06827,49829,16029,879 35,24935.22 INT. EXPENDED ON BORRROWINGS 1,6601,2512,0652,473 2,34040.96 INTEREST EXPENSES ON SUBORDINATED DEBT etc. 2,0052,0632,5702,454 2,40820.10 NET INTEREST INCOME 1551717,40517,76019,869 23,07348.69

45. Relationship beyond banking 45 Net Interest Income(Y-o-Y) Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Interest Income 178,779 217,51721.67 a. From Advances 131,032 155,00218.29 b. From Investments 44,643 51,71715.85 c. Other Interest Income 3,105 10,79747.73 Interest Expended 121,220 139,41015.01 a. On Deposits 108,122 121,78612.64 b. On Borrowings 5,556 8,129 1.46 c. Subordinated Bonds 4,665 6,35036.12 d. Others 2,877 3,1469.35 Net Interest Income 57,559 78,10735.70

46. Relationship beyond banking Non-interest Income 46 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar- 11 Variation Y-o-Y (%) Treasury: PROFIT FROM SALE OF SECURITIES 6619993605921,26691.53 PROFIT FROM EXCHANGE TRANSACTIONS 1,2831,3091,1111,2711,3343.98 Sub Total (A) 1,9442,3081,4711,8632,60033.74 Core-banking Operations: COMMISSION / EXCHANGE / BROKERAGE 3,3382,4983,0072,8383,4683.89 OTHER NON-INTEREST INCOME 1,0156841,0651,1241,24422.56 Sub Total (B) 4,3533,1824,0723,9624,7128.25 RECOVERY IN WRITTEN OFF ACCOUNTS (C) 935369301658919-1.71 TOTAL NON-INTEREST INCOME (A+B+C) 7,2325,8595,8456,4838,23113.81

47. Relationship beyond banking Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Commission, Exchange & Brokerage10,96511,810 7.71 Profit from Sale of Investments5,936 3,219-45.77 Profit from Exchange Transactions3,718 5,02535.15 Recovery In W/o accounts2,137 2,247 5.15 Other Non Interest Income3,410 4,11720.73 Total Non Interest Income26,16626,418 0.96 Core Non Interest Income Net of Treasury & Recovery in W/o Accounts 14,37515,92710.80 47 Non Interest Income(Y-o-Y)

48. Relationship beyond banking Operating Expenses - A break up 48 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 Variation Y-o-Y (%) Payments to & Prov. for Employees 5,986 5,738 6,0318,36914,616144.17 Rent, Taxes & Lighting 638 619 700722 72814.11 Printing & Stationery 111 104 112111 12916.22 Advertisement & Publicity 316 21 83145 3376.65 Dep. on Bank's Property 375 236 287339 54445.07 Auditors' Fees & Expenses 81 97 8978 9416.05 Law Charges 31 58 3822.58 Postage, Telegram, phones etc 130 80 86931407.69 Repairs & Maintenance 121 107 1101121231.65 Insurance 432 468 45947448412.04 Other Expenditure 1,773 1,656 1,8211,9622,01813.82 TOTAL 9,995 9,158 9,80912,46319,25187.91

49. Relationship beyond banking Operating Expenses (Y-o-Y) 49 Particulars Year ended Variation Y-o-Y % Mar-10Mar-11 Payments to & Prov. for Employees 22,960 34,754 51.37 Rent, Taxes & Lighting 2,440 2,768 13.44 Printing & Stationery 386 457 18.39 Advertisement & Publicity 475 586 23.37 Dep. on Bank's Property 1,013 1,406 38.80 Auditors' Fees & Expenses 321 358 11.53 Law Charges 103 158 53.40 Postage, Telegram, phones etc 321 398 23.99 Repairs & Maintenance 438 453 3.42 Insurance 1,639 1.886 15.07 Other Expenditure 6,577 7,458 13.40 TOTAL 36,677 50,681 38.18

50. Relationship beyond banking Net Profit 50 Qtr Mar-10 Qtr June-10 Qtr Sep-10 Qtr Dec-10 Qtr Mar-11 OPERATING PROFIT12,75414,10613,79613,88812,053 TOTAL PROVISIONS8,4756,8557,6287,356 7,117 -PROVISION FOR NPA6,6003,0782,86312363,367 -PROVISION FOR INVESTMENTS 1,0615628658 78 -PROVISION FOR TAXATION 3852,9962,3542,3772,340 -OTHER PROVISIONS4297761,7833,0851,332 NET PROFIT4,2797,2516,1686,5324,936

51. Relationship beyond banking Net Profit (Y-o-Y) 51 Year ended Mar 10 Year ended Mar 11 Variation Y-o-Y(%) OPERATING PROFIT47,04853,84214.44 TOTAL PROVISIONS29,63728,955 -PROVISION FOR NPA17,54210,543-39.90 -PROVISION FOR INVESTMENTS 2,435 1,369-43.78 -PROVISION FOR TAXATION 7,52810,067 33.73 -PROVISION FOR STANDARD ASSETS 310 1,500383.87 -PROVISION FOR FITL 900 - -PROVISION FOR RESTRUCTURE 550 610 10.90 - FLOATING PROVISION -1,580 - PROV. FOR CLAIM AGAINST BANKS -2,160 - DEBT WAIVER/DEBT RELIEF 80 560600 -OTHER PROVISIONS 292 56693.84 NET PROFIT17,41124,88742.94

52. Relationship beyond banking Appropriations Mar 10Mar 11 Statutory Reserve 4,500 6,250 Revenue Reserve6,25612,158 Capital Reserve 379 50 Special Reserve – Currency Swap -11 - 14 Dividend (including dividend tax)4,286 4,443 Special Reserve u/s Sec36(1) (viii) OF Income Tax Act,19612,000 TOTAL17,41024,887

53. Relationship beyond banking Cost & Yield Ratios –Quarterly Comparison 53 Qtr Mar-10Qtr June-10Qtr Sep-10Qtr Dec 10Qtr Mar 11 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Cost of Deposits 5.391.264.795.371.284.795.651.304.995.611.284.976.081.155.32 Yield on Advances 9.582.818.129.892.898.38 10.0 4 3.098.4710.353.058.7810.672.828.81 Yield on Investments 7.224.166.987.144.046.907.484.227.267.934.677.718.274.688.04 Yield on Funds 7.663.176.907.743.196.968.053.427.258.293.307.438.713.217.76 Cost of Funds 5.052.004.534.952.024.455.322.044.755.321.894.735.541.954.92 N.I.M.3.010.962.573.291.202.893.171.372.813.491.453.093.381.242.94

54. Relationship beyond banking Mar 2010Mar 2011 IndianForeignGlobalIndianForeignGlobal Cost of Deposits 5.791.625.16 5.691.255.03 Cost of Funds 5.422.174.84 5.131.904.57 Yield on Advances 9.773.298.42 10.252.968.62 Yield on Investments 7.684.987.46 7.834.387.59 Yield on Funds 7.963.347.14 7.973.167.14 Interest Spread 2.541.172.30 2.841.262.56 Net Interest Margin 2.921.002.51 3.311.312.92 54 Profit Ratios (Y-o-Y)

55. Relationship beyond banking 55 Profit Ratios(Quarterly comparison)

56. Relationship beyond banking Ratios – Quarterly Comparison Mar 10June 10Sep-10Dec-10Mar-11 Cost to Income Ratio43.9439.3741.5647.3061.50 Non Interest income to Operating Expenses72.3663.9859.5852.0142.76 Asset Utilization Ratio1.952.041.941.891.48 Return on Assets0.651.050.870.890.61 Return on Equity13.7422.6318.2918.5013.19 Earnings Per Share (Basic & Diluted)8.1513.8111.7412.449.37 Book value per share236.84250.63262.36274.78283.24 Net worth (Rs. in Mn)124,560131,811137,979144,511154,995 56

57. Relationship beyond banking Ratios (Y-o-Y)Ratios (Y-o-Y) Year Ended Mar-10 Year Ended Mar-11 Cost to Income Ratio 43.8148.49 Non Interest income to Operating Expenses 71.3452.12 Asset Utilization Ratio 1.881.77 Return on Assets 0.70 0.82 Return on Equity 14.7617.80 Earnings Per Share (Basic & Diluted) 33.1547.35 Book value per share 236.84283.24 Net worth (INR/Mn) 124,560154,995 Bus. per employee (INR/Mn) 101.1128.4 Bus. per branch (INR/Mn) 1,239.41,463.6 57

58. Relationship beyond banking Investments - DomesticInvestments - Domestic 58 Mar-10Mar-11 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1SLR INVESTMENTS 126,770449,473729576,972 155,415523,075100678,590 OF WHICH: GOVERNMENT SECURITIES 125,139 446,443729 572,311 154,316521,020100675,436 OTHER APPROVED SECURITIES 1,631 3,0304,6611,0992,055-3,154 M Duration 4.45 5.34 6.685.141.965.54 7.24 4.72 2NON SLR INVESTMENTS 41,318 8,6974750,062135,41910,68013146,112 M Duration 2.920.23 2.570.820.180.80 TOTAL 168,088 458,170776627,034290,834533,755113824,702

59. Relationship beyond banking Type of InvestmentBook ValueTotal Provision G-Sec 19,694- Bonds /CLN– Lehman Bros 1,397 Bonds-Others 10,8271,162 CLN (Other issuers) 9,012793 Total 40,9303,352 Investments – Foreign (Position as on 31.03.2011) 59

60. Relationship beyond banking Capital Adequacy –Basel IICapital Adequacy –Basel II 60 31.03.201030.06.201030.09.201031.12.201031.03.2011 Tier I Capital 137,250 138,540142,090140,700170,470 Tier II Capital 72,180 78,89079,06078,360 78,670 Total Capital 209,430 217,430221,150219,060249,140 Total Assets 2,749,6602,792,0522,896,2502,991,8533,511,725 Risk Weighted Assets 2,047,1701,636,4801,695,3101,764,4502,047,620 CRAR - Tier I (%) 8.48 8.478.387.978.33 CRAR - Tier II (%) 4.46 4.824.664.443.84 CRAR (%) 12.9413.2913.0412.4112.17

61. Relationship beyond banking Productivity 61

62. Relationship beyond banking Way AheadWay Ahead 62

63. Relationship beyond banking 63