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%

HIGHLIGHTS AS ON DEC-13 (9M)

2

Gross NPA Ratio

2.81% Net NPA Ratio

1.75 %

Provision Coverage Ratio 63.77%

Standard Restructured Portfolio 6.14%

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

Business Performance: Dec-2013

4

Business Mix Dec-12 March-13 June-13 Sep-13 Dec-13Growth

% Y-o-Y

Domestic 457,156 498,103 524,995 555,007 575117 25.80

Foreign 172,317 176,705 199,401 214,098 235570 36.71

Global 629,473 674,808 724,396 769,105 810687 28.79

( ` in Crore)

Business Growth- Sequential

5

( ` in Crore)

Dec-12 Mar-13 June-13 Sep-13 Dec-13Growth %

Y-o-Y

Domestic 268,176 294,067 316,112 322,193 339714 26.68

Foreign 80,941 87,773 98,852 110,089 114426 41.37

Global 349,117 381,840 414,964 432,282 454140 30.08

Deposits- Sequential

6

( ` in Crore)

87,972

93,800

101,957

70,000

85,000

100,000

Qtr Dec.-12 Qtr Mar-13 Qtr Dec-13

Savings Deposit

Annual Growth: 14.08%

CASA

Annual Growth: 15.90%

CASA Growth- Sequential

CASA % (Aggregate Deposits)

Sep-13: 30.44%

Dec-13 : 30.99%

Bulk Deposits

Dec – 12 Mar - 13 Dec -13 % of Domestic Deposits

Bulk deposits 40,968 27,173 19,667 5.79

Certificate of Deposits 9,470 11,997 10,261 3.02

Total 50,438 39,170 29,928 8.81

( ` in Crore)

7

FCNR & NRE Deposits

Parameter Dec – 12 Mar - 13 June-13 Sep-13 Dec-13Growth %

Y-o-Y

FCNR (B) 5,240 5,310 6,026 10,056 17,564 235.19

NRE 8,785 9,526 10,469 11,464 11,710 33.30

NRE SB 1,905 1,821 2,024 2,076 2,052 7.72

NRE TD 6,880 7,705 8,445 9,388 9,658 40.38

NRO 1,912 1,852 1,847 1,883 1,877 -1.83

( ` in Crore)

8

9

( ` in Crore)

Dec-12 Mar-13 June-13 Sep-13 Dec-13Growth %

Y-o-Y

Domestic 188,980 204,036 208,883 232,815 235,403 24.57

Foreign 91,376 88,932 100,549 104,009 121,144 32.58

Global 280,356 292,968 309,432 336,824 356,547 27.18

Gross Advances-Sequential

CD Ratio

Dec-12 Mar - 13 Dec-13

Domestic 70.46 69.38 69.29

International 112.88 101.32 105.87

Global 80.30 76.73 78.51

( ` in Crore)

10

11

( ` in Crore)

Dec -12 March-13 Dec-13 % Growth Y-o-Y

Agriculture 24,949 27,041 32,387 29.81

MSME (Priority & Non Priority)

32,561 37,230 39,735 22.03

Retail Credit 20,914 22,350 25,527 22.06

Corporate 110,556 117,415 137,754 24.60

Total 188,980 204,036 235,403 24.57

Total Export Credit 8,813 9,531 10,498 19.12

Key Sectors (Domestic Credit)

12

( ` in Crore)Priority Sector

Industry Dec-12 Mar-13 Dec-13 % Growth Y-o-Y

%age to ANBC

Agriculture 24,949 27,041 32,387 29.81 15.97

MSE 25,867 28,913 30,878 19.37

Housing Loan 6,080 6,790 7,230 18.91

Educational Loan 2,428 2,329 2,559 5.40

Others 383 346 343 -10.44

Total Priority Sector Advances

59,707 65,518 73,397 22.93 36.19

13

( ` in Crore)

Particulars Dec-12 March-13 Dec-13 % Y-o-Y %age to Domestic

Credit

Home Loan 9,557 10,267 12,072 26.32 5.13

Mortgage Loan 1,707 2,008 2,570 50.56 1.09

Auto Loan 1,939 2,037 2,283 17.74 0.97

Education Loan 2,429 2,411 2,614 7.62 1.11

Personal Loan 727 779 856 17.74 0.36

Others 4,555 4848 5,132 12.67 2.18

Total 20,914 22,350 25,527 22.06 10.84

Retail Credit

Particulars Dec-12 Mar-13 Dec-13%age Y-o-Y

%age to Domestic Advances

%age NPA to sector

wise advances

Textiles 8,396 8,882 9,835 17.14 4.18 13.96

Chemicals & Chemical products 4,931 5,110 6,424 30.28 2.73 5.11

Rubber, Plastic & their products 2,498 2,549 2,700 8.09 1.15 6.85

Basic metal & metal products 13,324 13,699 13,843 3.90 5.88 9.17

Vehicles, vehicle parts & Transport equipment 2,114 2,052 2,190 3.60 0.93 6.58

Gems & Jewellery 4,532 4,605 5,592 23.39 2.38 6.31

Construction 1,482 1,770 1,900 28.21 0.81 1.58

Infrastructure 31,509 33,495 37,995 20.58 16.14 1.34

Other Industries 22,023 23,288 25,546 16.00 10.85 6.54

Total 90,809 95,450 1,06,025 16.76 45.04 5.53.

( ` in Crore)Key Sector- Domestic Credit- Industry

14

Advances to Infrastructure Sector

Particulars Dec-12 March-13 Dec-13

Power 21,073(11.15%)

22,270(10.91%)

23,681(10.06%)

Out of which:

a. State Electricity Boards (SEBs) 8,839 8,907 10,408

b. Others 12,234 13,363 13,273

Telecommunication 1,430 1,427 1,383

Roads & Ports 6,588 7,174 9,507

Others 2,418 2,624 3,424

Total 31,509 33,495 37,995

15

( ` in Crore)

Figures in Bracket () denote the % to domestic advances

Domestic Foreign Global

> 1 Cr < 1 Cr Total Amount

Amount Amount

As on 31.03.2013 20625 798 21423 2429 23852Additions during Q1 627 128 755 9 764

Add/Less :-1) (-)Repayment in

Restructured a/cs2) (+)Increase in O/S balance in

Restructure a/cs

330

645

37

4

367

649

15

280

382

929

As on 30.06.2013 21566 894 22460 2703 25163Additions during Q2 750 105 855 - 855

Add/Less :-1) (-)Closures/Repayment in

Restructured a/cs2) (+)Increase in O/S balance in

Restructure a/cs

1318

721

37

4

1355

725

104

420*

1459

1145

As on 30.09.2013 21721 965 22686 3019 25705

Movement of Restructured Assets ( ` in Crore)

16

Restructured Accounts (Contd..) (Includes all facilities of the borrowers)

Domestic Foreign Global

> 1 Cr < 1 Cr Total Amount

Amount Amount

As on 30.09.2013 21721 965 22686 3019 25705Additions during Q3 1029 117 1146 515 16616

Add/Less :-1) (-)Closures/Repayment in

Restructured a/cs2) (+)Increase in O/S balance in

Restructureda/cs

2184

645

42

7

2226

652

113

36

2339

688

As on 31.12.2013 21212 1047 22259 3457 25716

( ` in Crore)

17

18

( ` in Crore)

Standard Restructured Advances as on 31.12.2013 as per RBI Guidelines

Particulars Dec-13 % to Advances

Domestic 14,466 6.14

Foreign 1,928 1.59

Total 16,394 4.60

Restructured Assets (Domestic) – Quarter-wise

19

(` 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

Segment-wise Standard Restructured Assets as on 31.12.2013

(` in Crore)

20

Domestic Foreign Global

CDR Restructuring 4,210 147 4,357

SME Debt Restructuring 645 - 645

Other Restructuring 9,611 1781 11,392

Total 14,466 1928 16,394

21

Sector wise breakup of Standard Restructured Advances (Domestic)

SECTOR AMOUNTINFRA 4,427AVIATION 2,435TEXTILES 1,016STEEL 1,006HOTELS 710ENGINEERING 831COMPUTER/IT RELATED 520SUGAR 286EDUCATION 266PHARMACEUTICALS 149OTHER METALS 120CONSTRUCTION -PAPER & PAPER PRODUCTION 78CHEMICALS 161AGRI 136TRADE 51CRE 286SERVICES 10AUTOMOBILES 255MISC ** 1,724GRAND TOTAL 14,466

( ` in Crore)

22

( ` in Crore)

Dec-12 Mar-13 June-13 Sep-13 Dec-13

Gross NPA 8,625 8,765 9,414 9,880 10,023

Net NPA 5,455 5,947 6,409 6,156 6,147

Gross NPA % 3.08 2.99 3.04 2.93 2.81

Net NPA % 1.97 2.06 2.10 1.85 1.75

Provision Coverage Ratio %

60.74 60.92 60.97 63.29 63.77

NPA Ratios

( ` in Crore)Movement of NPA (9 months ended)(01.04.2013 to 31.12.2013)

Dec. 2012 Dec 2013

Indian Foreign Total Indian Foreign Total

Opening Balance 5170 724 5894 7152 1613 8765

Add : Slippages 4925 777 5702 4763 440 5203

Total 10095 1501 11596 11915 2053 13968Less :

970 44 1014 1773 35 1798Recovery

Upgradation 710 33 743 738 163 901

Write Off 1128 2 1130 663 635 1298

Total reduction 2808 79 2887 3174 823 3997

Less URI 76 8 84 -50 -3 -53

Closing Balance 7211 1414 8625 8790 1233 10023

23

Sale of Assets to ARCs

Mar-13 Mar-14

FY Q1 Q2 Q3

No. of Accounts Sold - - 16 2,12,342

Aggregate Outstanding of Accounts sold - - 313 1744

Of which Written of Assets sold - - 127 722

Existing Gross NPAs sold(NPAs before 31.03.13) - - 143 428

Current Year NPAs sold and adjusted from Slippages

(NPAs After 01.04.13)- - 43 594

( ` in Crore)

24

Sector-wise breakup of NPA (Domestic)

Sector Mar-13 June-13 Sep-13 Dec-13Dec-13

% to Total Advances

Agriculture 613 737 744 533 0.23

Industry 4,446 4,972 5,235 5,864 2.49

Services 1,848 2,230 2,497 2,173 0.92

Retail 244 304 298 220 0.09

Total 7,151 8,243 8,774 8,790 3.73

( ` in Crore)

25

Industry-wise breakup of NPA (Domestic)

INDUSTRY Mar-13 June-13 Sep-13 DEC'13 Dec-13

% to Total NPA

Dec-13% to Total Advances

Mining and Quarrying 81 70 70 138 2.35 0.06Food Processing 273 297 317 456 7.78 0.19Beverage & Tobacco 7 19 15 8 0.14 0.00Textile 1388 1565 1684 1373 23.41 0.58Leather 40 41 44 38 0.65 0.02Wood 8 9 71 8 0.14 0.00Paper 23 109 116 151 2.58 0.06Petroleum 68 68 69 207 3.53 0.09Chemical 488 409 389 328 5.59 0.14Rubber Plastics 53 113 187 185 3.15 0.08Glass & Glassware 1 30 30 29 0.49 0.01Cement & Cement Products 19 21 26 81 1.38 0.03Basic Metal 1110 1270 1107 1270 21.66 0.54All Eng 88 90 142 143 2.44 0.06Vehicle & vehicle part 12 12 15 144 2.46 0.06Gems & Jewellry 82 95 114 353 6.02 0.15Construction 21 20 35 30 0.51 0.01Infrastructure 329 340 338 511 8.71 0.22Others 355 394 469 411 7.01 0.17TOTAL 4446 4972 5235 5864 100.00 2.49

( ` in Crore)

26

Major Slippages during the Quarter(Domestic)INDUSTRY Qtr Mar-13 Qtr June-13 Qtr Sep-13 Qtr Dec-13

Mining 3.4 5.7 2.2 76Food processing 5.4 20.3 9.3 222Beverage & Tobacco 0.5 0.4 4.3 0Textile 824.5 227.9 208 110Leather 0 0 1.9 2Wood 0 0.5 65.4 2Paper 6.8 92.8 4.1 43Petroleum 41.5 0 0 112Chemical 111.4 37.2 60.9 55Rubber Plastics 23.8 43.1 52.1 13Glass & Glassware 0 29.4 0.7 0Cement & Cement Products 0 0.7 1 56Basic Metal 275.3 67.7 36.7 289All Engineering 1 1.8 54.1 85Vehicle & vehicle part 3.2 0.9 0 134Gems & Jewellery 0 12.9 305 11Construction 0.6 1.6 8.7 16Infrastructure 0 16.5 282.3 152Others 119.7 12.7 20.7 13

( ` in Crore)

27

Net Interest Income

ParticularsQuarter ended

VariationY-o-Y %

Nine Months endedVariationY-o-Y %Dec-12 Dec-13 Dec-12 Dec-13

Interest Income 8,023 9769 21.76 23,737 27,550 16.06

a. From Advances 5,791 7017 21.17 17,213 19,839 15.26

b. From Investments 1,809 2207 22.00 5,541 6,220 12.25

c. Other Interest Income 423 545 28.84 983 1,491 51.68

Interest Expended 5,714 7050 23.38 17,189 19,767 15.00

a. On Deposits 5,085 6089 19.74 15,115 17,455 15.48

b. On Borrowings 338 580 71.60 1,205 1,260 4.56

c. Subordinated Bonds 168 218 29.76 502 554 10.36

d. Others 123 163 32.52 368 498 35.33

Net Interest Income 2,308 2719 17.81 6,548 7,783 18.86

(` in Crore)

28

Non Interest Income

ParticularsQuarter ended

VariationY-o-Y %

Nine Months endedVariationY-o-Y %

Dec-12 Dec-13 Dec-12 Dec-13

Commission, Exchange & Brokerage 293 354 20.82 883 1019 15.40

Profit from Sale of Investments 86 127 47.67 290 712 145.52

Profit from Exchange Transactions 181 207 14.36 459 629 37.04

Recovery In W/o accounts 246 226 -8.13 649 592 -8.78

Other Non Interest Income 131 183 39.69 391 426 8.95

Total Non Interest Income 937 1097 17.08 2,672 3378 26.42

(` in Crore)

29

Profitability

Income

Quarter endedVariationY-o-Y %

Nine months endedVariationY-o-Y %

Dec 12 Dec 13 Dec 12 Dec 13

1. Total Income 8,960 10866 21.27 26,409 30928 17.11

a. Interest Income 8,023 9769 21.76 23,737 27550 16.06

b. Non Interest Income 937 1097 17.08 2,672 3378 26.42

2. Total Expenditure 7,104 8722 22.78 21,026 24501 16.53

a. Interest expended 5,714 7050 23.38 17,189 19767 15.00

b. Operating Expenses 1,390 1672 20.29 3,837 4735 23.40

3. Operating Profit 1,856 2144 15.52 5,383 6427 19.39

4. Net Profit 803 586 -27.02 1,993 2172 8.98

(` in Crore)

30

Income

Quarter ended

VariationY-o-Y %

Nine months ended

VariationY-o-Y %Dec 12 Dec 13Dec 12

Dec 13

Operating Profit 1,856 2144 15.52 5,383 6427 19.39

Provisions Provisions for Taxation 137 154 12.41 451 925 105.10

Prov. For B&D 591 1173 98.48 2637 2836 7.55

Prov. For Standard Assets 179 122 -31.84 209 360 72.25

Prov. For Depreciation on Investment 20 34 70.00 -182 -91 -50.00

NPV Provisions/ Other Provisions 126 75 -40.48 275 225 -18.18

Total Provisions 1,052 1558 48.10 3,391 4255 25.48

Net Profit 803 586 -27.02 1,993 2172 8.98

(` in Crore)

31

Provisions

32

( ` in Crore)

Basel - II

Dec-12 March-13 June-13 Sep-13 Dec-13

TIER I CAPITAL 20,246 23,018 23,035 23,040 24,045

TIER II CAPITAL 7,830 7,916 7,748 9,517 9,945

TOTAL CAPITAL 28,076 30,934 30,782 32,557 33,990

TOTAL ASSETS 415,966 452,602 485,825 513,042 536,492

RISK WEIGHTED ASSETS 265,082 280,637 288,799 299,777 318,732

CRAR - TIER I (%) 7.64 8.20 7.98 7.69 8.10*

CRAR - TIER II (%) 2.95 2.82 2.68 3.17 3.12

CRAR (%) 10.59 11.02 10.66 10.86 11.22*

Capital Adequacy Basel-III - - 10.36 10.77 10.84

Capital Adequacy – Basel-II (Q-o-Q)

* Taking into consideration profit for 9 months after adjustment of dividend

33

Parameter Domestic ForeignDec-12 Dec-13 Dec-12 Dec-13

Cost of Deposits 7.29 7.16 1.32 0.99Cost of Funds 6.89 6.70 2.18 1.73Yield on Advances 11.58 11.32 3.14 2.58Yield on Investments 7.94 8.35 5.52 3.98Yield on Funds 9.39 9.20 3.39 2.76Interest Spread

2.50 2.50 1.22 1.03NIM 2.73 2.89 1.27 1.10Cost to Income Ratio

44.26 45.32 23.32 21.64Return on Assets (ROA) 0.70 0.60 0.44 0.44

Cost & Yield Ratios

Parameter Dec-12 Dec-13

Return on Equity 13.45 12.60Book value per Share (Rs.) 361.21 378.86Earning per share (Rs.) 34.73 36.23

Investments (Domestic) Dec- 12 Dec- 13

AFS HTM HFT TOTAL AFS HTM HFT TOTAL

1. SLR INVESTMENTS 13971 57650 25 71646 12851 74632 290 87773

OF WHICH:

GOVERNMENT SECURITIES 13971 57482 25 71478 12851 74476 290 87617

OTHER APPROVED SECURITIES

- 168 - 168 - 156 - 156

M Duration - - - - 3.60 5.07 5.81 4.85

2. NON SLR INVESTMENTS 10140 1087 1.1 11228 14984 1146 - 16129

M Duration - - - - 2.35 0.49 - 2.31

TOTAL 24111 58737 26 82875 27834 75778 290 103902

( ` in Crore)

34

Awards & Accolades

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.

35

Awards & Accolades (cont’d)

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 3rd Asian Leadership Awards 2013 held at Dubai on 24th Sepember 2013.

36

37

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.

Way Forward

38