2. Particulars%age growth Global Deposits 30.08% Global Advances 27.18% CASA Deposits 15.90% Operating Profit 19.39% Net Profit 8.98% Net Interest Income 18.86% Non-Interest Income 26.42% 2 Gross NPA Ratio 2.81% Net NPA Ratio 1.75 % Provision Coverage Ratio 63.77% Standard Restructured Portfolio 6.14%

3. Global Business reached ` 810,687Crore (YoY Growth 28.79%) Global Deposits ` 454140Crore (YoY Growth 30.08%) Global Advances at ` 356547Crore (YoY Growth 27.18%) CASA Deposit at ` 101957 Crore (YoY Growth 15.90%) Operating Profit (Q3) increased from ` 1856 Crore in Dec.-12 to ` 2144 Crore in Dec-13 ( YoY growth 15.52%) Net Profit (9 months) increased from Rs.1993 Crore in Dec-12 to Rs.2172 Crore in Dec-13 (Growth 8.98%). Net Profit for Dec-13 (Qtr) stood at Rs.586 Crore. Gross NPA Ratio improves from 2.93 % in Sept., 2013 to 2.81 % in Dec- 2013. Net NPA ratio improves from 1.85 % in Sept., 2013 to 1.75 % in Dec- 2013. Provision Coverage Ratio improves from 60.74% in Dec-12 and 63.29 % in Sep-2013 to 63.77 % in Dec-13 Standard Restructured Portfolio as %age of Advances decreased from 6.88% in Sep-13 to 6.14% in Dec-13. Net Interest Income (Q3) increased from ` 2308 Crore in Dec-12 to ` 2719 Crore in Dec-13 (YoY Growth 17.81%) Non Interest Income increased from ` 937 Crore in Dec-12 to ` 1097 Crore in Dec-13 (YoY Growth 17.08%) No. of Domestic branches increased from 4292 March-13 to 4522 in Dec-13 No. of ATMs increased from 2133 March-13 to 3362 in Dec-13 3

4. 4 Business MixDec-12March-13June-13Sep-13Dec-13 Growth % Y-o-Y Domestic 457,156498,103524,995555,00757511725.80 Foreign 172,317176,705199,401214,09823557036.71 Global 629,473674,808724,396769,10581068728.79 ( ` in Crore)

5. 5 Dec-12Mar-13June-13Sep-13 Dec-13 Growth % Y-o-Y Domestic 268,176294,067316,112322,19333971426.68 Foreign 80,94187,77398,852110,08911442641.37 Global 349,117381,840414,964432,28245414030.08

6. 6 ( ` in Crore) Savings Deposit Annual Growth: 14.08% Savings Deposit Annual Growth: 14.08% CASA Annual Growth: 15.90% CASA Annual Growth: 15.90% CASA % (Aggregate Deposits) Sep-13: 30.44% Dec-13 : 30.99% CASA % (Aggregate Deposits) Sep-13: 30.44% Dec-13 : 30.99%

7. Dec – 12Mar - 13Dec -13 % of Domestic Deposits Bulk deposits 40,96827,17319,6675.79 Certificate of Deposits 9,47011,99710,2613.02 Total 50,43839,17029,9288.81 ( ` in Crore) 7

8. ParameterDec – 12Mar - 13June-13Sep-13Dec-13 Growth % Y-o-Y FCNR (B) 5,2405,3106,02610,05617,564235.19 NRE 8,7859,52610,46911,46411,71033.30 NRE SB 1,9051,8212,0242,0762,0527.72 NRE TD 6,8807,7058,4459,3889,65840.38 NRO 1,9121,8521,8471,8831,877-1.83 ( ` in Crore) 8

9. 9 Dec-12Mar-13June-13Sep-13Dec-13 Growth % Y-o-Y Domestic 188,980204,036208,883232,815235,40324.57 Foreign 91,37688,932100,549104,009121,14432.58 Global 280,356292,968309,432336,824356,54727.18

10. Dec-12Mar - 13Dec-13 Domestic 70.4669.3869.29 International 112.88101.32105.87 Global 80.3076.7378.51 ( ` in Crore) 10

11. 11 ( ` in Crore) Dec -12March-13Dec-13 % Growth Y-o-Y Agriculture 24,94927,04132,38729.81 MSME (Priority & Non Priority) 32,56137,23039,73522.03 Retail Credit 20,91422,35025,52722.06 Corporate 110,556117,415137,75424.60 Total 188,980204,036235,40324.57 Total Export Credit 8,8139,53110,49819.12

12. 12 ( ` in Crore) IndustryDec-12Mar-13Dec-13 % Growth Y-o-Y %age to ANBC Agriculture 24,949 27,04132,38729.8115.97 MSE 25,867 28,91330,87819.37 Housing Loan 6,080 6,7907,23018.91 Educational Loan 2,428 2,3292,5595.40 Others 383 346343-10.44 Total Priority Sector Advances 59,707 65,51873,39722.9336.19

13. 13 ( ` in Crore) ParticularsDec-12March-13Dec-13% Y-o-Y %age to Domestic Credit Home Loan 9,557 10,26712,072 26.325.13 Mortgage Loan 1,707 2,0082,570 50.561.09 Auto Loan 1,939 2,0372,283 17.740.97 Education Loan 2,429 2,4112,614 7.621.11 Personal Loan 727 779856 17.740.36 Others 4,555 48485,132 12.672.18 Total 20,914 22,35025,527 22.0610.84

14. ParticularsDec-12Mar-13Dec-13 %age Y-o-Y %age to Domestic Advances %age NPA to sector wise advances Textiles 8,3968,8829,83517.144.1813.96 Chemicals & Chemical products 4,9315,1106,42430.282.735.11 Rubber, Plastic & their products 2,4982,5492,7008.091.156.85 Basic metal & metal products 13,32413,69913,8433.905.889.17 Vehicles, vehicle parts & Transport equipment 2,114 2,0522,1903.600.936.58 Gems & Jewellery 4,532 4,6055,59223.392.386.31 Construction 1,482 1,7701,90028.210.811.58 Infrastructure 31,509 33,49537,99520.5816.141.34 Other Industries 22,02323,28825,54616.0010.856.54 Total 90,80995,4501,06,02516.7645.045.53. ( ` in Crore)

15. ParticularsDec-12March-13Dec-13 Power 21,073 (11.15%) 22,270 (10.91%) 23,681 (10.06%) Out of which: a. State Electricity Boards (SEBs) 8,8398,90710,408 b. Others 12,23413,36313,273 Telecommunication 1,4301,4271,383 Roads & Ports 6,5887,1749,507 Others 2,4182,6243,424 Total 31,50933,49537,995 15 ( ` in Crore) Figures in Bracket () denote the % to domestic advances

16. 16 ( ` in Crore) ParticularsDec-13% to Advances Domestic14,4666.14 Foreign1,9281.59 Total16,3944.60

17. 17 ( ` in Crore ) Quarter ended Amount Restructured December, 2012 1,996.18 March, 2013 2297.00 June, 2013 755.18 September, 2013 855.25 December, 2013 1146.30

18. ( ` in Crore) 18 DomesticForeignGlobal CDR Restructuring 4,210 1474,357 SME Debt Restructuring 645 - Other Restructuring 9,611 178111,392 Total 14,466 192816,394

19. 19 SECTORAMOUNT INFRA4,427 AVIATION2,435 TEXTILES1,016 STEEL1,006 HOTELS710 ENGINEERING831 COMPUTER/IT RELATED520 SUGAR286 EDUCATION266 PHARMACEUTICALS149 OTHER METALS120 CONSTRUCTION- PAPER & PAPER PRODUCTION78 CHEMICALS161 AGRI136 TRADE51 CRE286 SERVICES10 AUTOMOBILES255 MISC **1,724 GRAND TOTAL14,466 ( ` in Crore)

20. 20 ( ` in Crore) Dec-12Mar-13June-13Sep-13Dec-13 Gross NPA8,6258,7659,4149,88010,023 Net NPA5,4555,9476,4096,1566,147 Gross NPA %3.082.993.042.932.81 Net NPA %1.972.062.101.851.75 Provision Coverage Ratio % 60.7460.9260.9763.2963.77

21. 21 ( ` in Crore) Dec. 2012March 2013June 2013Sep 2013Dec 2013 IndianForeignTotalIndianForeignTotalIndianForeignTotalIndianForeignTotalIndianForeignTotal Opening Balance 7,5491,3498,898 7,2111,414 8,625 7,152 1,6138,765 82,441,1689,4138,7741,1069,880 Add : Slippages 1,128931,221 1,466211 1,677 1,823163 1,986 1,3211481,4691,6181291,747 Total 8,6771,442 10,119 8,6771,625 10,302 8,9751,77610,7519,5651,31610,88110,3921,23511,627 Less : 373-8365 2283 231 36563714131342699561001 Recovery Upgradation 28133314 11 6 17333 2 335 309154463967103 Write Off 8110 1,2851 1,286 -3601 598 7644120590-10580 Total reduction 1,465251,490 1,52410 1,534 695 609 1,304 7982111,0091,68131684 Less URI 134 12 3 3534 -7-8-79-80 Closing Balance 7,2111,4148,625 7,1521,613 8,765 8,244 1,1689,413 8,7741,1069,8808,7901,23310,023

22. SectorOutstanding Dec-13 NPA%NPA of Outstanding Agriculture 32,387 533 1.65 Industry 106,025 5,864 5.53 Services 71,464 2,173 3.04 Retail 25,527 220 0.86 ( ` in Crore) 22

23. Particulars Quarter ended Variation Y-o-Y % Nine Months ended Variation Y-o-Y % Dec-12Dec-13Dec-12Dec-13 Interest Income 8,023976921.7623,73727,55016.06 a. From Advances 5,791701721.1717,21319,83915.26 b. From Investments 1,809220722.005,5416,22012.25 c. Other Interest Income 42354528.849831,49151.68 Interest Expended 5,714705023.3817,18919,76715.00 a. On Deposits 5,085608919.7415,11517,45515.48 b. On Borrowings 33858071.601,2051,2604.56 c. Subordinated Bonds 16821829.7650255410.36 d. Others 12316332.5236849835.33 Net Interest Income 2,308271917.816,5487,78318.86 (` in Crore) 23

24. Particulars Quarter ended Variation Y-o-Y % Nine Months ended Variation Y-o-Y % Dec-12Dec-13Dec-12Dec-13 Commission, Exchange & Brokerage 29335420.82883101915.40 Profit from Sale of Investments 8612747.67290712145.52 Profit from Exchange Transactions 18120714.3645962937.04 Recovery In W/o accounts 246226-8.13649592-8.78 Other Non Interest Income 13118339.693914268.95 Total Non Interest Income 937109717.082,672337826.42 (` in Crore) 24

25. Income Quarter ended Variation Y-o-Y % Nine months ended Variation Y-o-Y % Dec 12 Dec 13Dec 12Dec 13 1. Total Income 8,9601086621.2726,4093092817.11 a. Interest Income 8,023976921.7623,7372755016.06 b. Non Interest Income 937109717.082,672337826.42 2. Total Expenditure 7,104872222.7821,0262450116.53 a. Interest expended 5,714705023.3817,1891976715.00 b. Operating Expenses 1,390167220.293,837473523.40 3. Operating Profit 1,856214415.525,383642719.39 4. Net Profit 803586-27.021,99321728.98 (` in Crore) 25

26. Income Quarter ended Variation Y-o-Y % Nine months ended Variation Y-o-Y % Dec 12Dec 13 Dec 12 Dec 13 Operating Profit 1,856214415.525,383642719.39 Provisions Provisions for Taxation 13715412.41451925105.10 Prov. For B&D 591117398.48263728367.55 Prov. For Standard Assets 179122-31.8420936072.25 Prov. For Depreciation on Investment 203470.00-182-91-50.00 NPV Provisions/ Other Provisions 12675-40.48275225-18.18 Total Provisions 1,052155848.103,391425525.48 Net Profit 803586-27.021,99321728.98 (` in Crore) 26

27. 27 ( ` in Crore) Basel - II Dec-12March-13June-13Sep-13Dec-13 TIER I CAPITAL20,24623,01823,03523,04024,045 TIER II CAPITAL7,8307,9167,7489,5179,945 TOTAL CAPITAL28,07630,93430,78232,55733,990 TOTAL ASSETS415,966452,602485,825513,042536,492 RISK WEIGHTED ASSETS 265,082280,637288,799299,777318,732 CRAR - TIER I (%)7.648.207.987.698.10* CRAR - TIER II (%)2.952.822.683.173.12 CRAR (%)10.5911.0210.6610.8611.22* Capital Adequacy Basel-III --10.3610.7710.84 * Taking into consideration profit for 9 months after adjustment of dividend

28. 28 ParameterDomesticForeign Dec-12Dec-13Dec-12Dec-13 Cost of Deposits 7.29 7.16 1.32 0.99 Cost of Funds 6.89 6.70 2.18 1.73 Yield on Advances 11.58 11.32 3.14 2.58 Yield on Investments 7.94 8.35 5.52 3.98 Yield on Funds 9.39 9.20 3.39 2.76 Interest Spread 2.50 1.22 1.03 NIM 2.73 2.89 1.27 1.10 Cost to Income Ratio 44.26 45.32 23.32 21.64 Return on Assets (ROA) 0.70 0.60 0.44 ParameterDec-12Dec-13 Return on Equity 13.45 12.60 Book value per Share (Rs.) 361.21 378.86 Earning per share (Rs.) 34.73 36.23

29. Dec- 12Dec- 13 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1. SLR INVESTMENTS 139715765025 71646 128517463229087773 OF WHICH: GOVERNMENT SECURITIES 1397157482 25 71478 128517447629087617 OTHER APPROVED SECURITIES - 168- -156 - M Duration - -- - 3.605.07 5.81 4.85 2. NON SLR INVESTMENTS 10140 10871.1 11228 149841146-16129 M Duration -- - - 2.350.49 - 2.31 TOTAL 24111 58737 26 82875 2783475778290103902 29 ( ` in Crore)

30. Bank has been awarded the ‘Outlook Money Award 2012’ for “Best Education Loan provider”. Bank has been rated by Economic Times as the “Second Most Trusted Brand in India” among the PSU banks. Bank has been ranked Second by Ministry of MSME, New Delhi based on its performance in lending to Micro Enterprises. Bank has received “Best Banker” award at the India SME excellence Awards-2013, for exemplary contribution in Banking Sector. Bank received MSME Excellence Award 2013 at the hands of Deputy Chairman, Planning Commission, Govt. of India. Bank received IBA Instituted award at BANCON 2013 for Most Innovative Mass Retail Lender for underserved segments.

31. Bank received Certificate of Recognition of Unique Achievements in the area of Data Centre from CIO Masters for the year 2013.. Bank received SKOCH Award for India’s Best Project on Innovation for 2013 for introducing Passbook printing Kiosk and Account Balance through a missed call to a dedicated phone number. Bank also received Certificate of appreciation, awarded by Computer Society of India for the Project – Financial Inclusion through Information Communication Technology (ICT) enabled solution. Bank received the Certificate of Excellence for IT Security implementation – STARTOKEN Next generation Two Factor Authentication, from eIndia. Bank’s In-house Journal ‘Taarangan’ has been conferred with award for Brand Excellence by Asian Confederation of Business during 3 rd Asian Leadership Awards 2013 held at Dubai on 24 th Sepember 2013.

32. 32 Our Motto “PERFORM TO POTENTIAL”. Emphasis on CASA growth. Expansion of SME, Retail and Rural Business. Focus on Credit Monitoring and Recovery in NPA. Inclusive Growth through Financial Inclusion. Progress on Alternate Delivery Channels for better Customer Satisfaction. Focused attention on Human Resources. Our Motto “PERFORM TO POTENTIAL”. Emphasis on CASA growth. Expansion of SME, Retail and Rural Business. Focus on Credit Monitoring and Recovery in NPA. Inclusive Growth through Financial Inclusion. Progress on Alternate Delivery Channels for better Customer Satisfaction. Focused attention on Human Resources.

33. 33