WELCOME ANALYST MEET. Un-Audited/ Reviewed Financial Results For the Quarter / Nine Months ended Dec 31,2015

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1 WELCOME TO ANALYST MEET 10 th February 2016 Un-Audited/ Reviewed Financial Results For the Quarter / Nine Months ended Dec 31,2015 1

2 BUSINESS PROFILE Advances Deposit Business Dec-13 Dec-14 Dec-15 Parameter Dec 13 Dec 14 Dec 15 Y-o-Y % Growth Gross Advances 69, , , Total Deposits 96, ,06, ,10, Total Business 1,65, ,82, ,90,

3 KEY INDICATORS Particulars Full Year Quarter Increase [%] Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Increase [%] Operating Profit 1, [42.96] [27.39] Net Profit [662.85] [ -ve] [608.93] [-ve] Total Income 11, , , , [5.06] 8, , [0.79] Total Expenses 10, , , , [0.30] 7, , Provision & Contingencies 1, ,

4 INCOME Particulars Full Year Quarter Increase [%] Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Increase [%] Total Income 11, , , , [5.06] 8, , [0.79] Interest Income 10, , , , [4.19] 8, , [0.61] Advances 7, , , , [6.41] 5, , [2.15] Investments 2, , , Other [0.51] Non Interest Income [16.90] [3.66] 4

5 NON INTEREST INCOME Particulars Full Year Quarter Increase [%] Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Increase [%] Comm. Exchange, Brokerage Exchange Earned on Forex Profit on Sale of Investment Recovery in written off a/cs [53.06] [53.66] [54.45] Process Fee Other Income [31.89] [11.21] Total [16.90] [3.66] 5

6 NET INTEREST INCOME Particulars Full Year Quarter Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Net Interest Income 2, , , Net Interest Margin [%]

7 EXPENSES Particulars Full Year Quarter Mar 15 Sept 15 Dec 14 Dec 15 Increase [%] Nine Months Dec 14 Dec 15 Increase [%] Total Expenses Interest Expenses 10, , , , [0.30] 7, , , , , , [3.68] 6, , [0.99] Deposits 7, , , , [7.02] 5, , [2.33] Others Operating Expenses 1, , , a. Salaries 1, , b. Other Operating Expenses

8 PROVISIONS & CONTIGENCIES Particulars Full Year Quarter Increase [%] Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Increase [%] NPA 1, , , Tax Expense [198.08] [39.45] 2.01 [121.65] [-ve] [41.80] [274.71] [-ve] Investment Depreciation [70.01] [7.71] [7.13] [-ve] [71.49] Standard Assets [1.40] [12.79] [-ve] [66.56] FITL [28.35] [-ve] [37.72] [-ve] NPV of Restructured A/cs [5.16] [96.08] [41.13] Others [11.05] [-ve] 6.79 [5.06] [-ve] Total Provisions 1, , [-ve] [-ve]

9 RESOURCES / DEPLOYMENT Particulars Mar 15 Sept 15 Dec 14 Dec 15 Growth % Current Deposits 6, , , , [3.78] Savings Deposits 25, , , , CASA Deposits 32, , , , Term Deposits 72, , , , Aggregate Deposits 1,05, ,01, , ,05, CASA [%] to Total Deposits Inter Bank Deposits 10, , , , [39.77] TOTAL DEPOSITS 1,15, ,06, ,06, ,10, GROSS ADVANCES 80, , , , BUSINESS MIX 1,96, ,83, ,82, ,90,

10 ADVANCES Particulars Mar 15 Sept 15 Dec 14 Dec 15 Gross Advances [Growth %] Priority Sector [Growth %] Agriculture [Growth %] MSME [Growth %] Retail [Growth %] 80,629 [2.55] 28,454 [8.72] 11,866 [48.03] 15,256 [15.42] 10,910 [12.41] 10 77,204 [2.44] 32,434 [25.01] 14,655 [28.67] 13,966 [7.73] 10,415 [8.12] 75,356 [7.81] 27,770 [33.07] 11,526 [52.56] 13,787 [15.84] 10,005 [14.04] 80,406 [6.70] 32,768 [17.99] 15,254 [32.34] *13,096 [-5.01] 10,681 [6.75] CD Ratio * Decline due to shifting of loan to Agri. Processing Units of Rs 1297 cr to Direct Agriculture as per new guidelines. The growth in Direct agriculture would have been 21% and MSME 4.4% with the exclusion of above changes.

11 COMPOSITION OF ADVANCES Particulars Outstanding as of Growth over Dec 14 Mar 15 Sept 15 Dec 14 Dec 15 Amt % % to Total Advances Agriculture 11,866 14,565 11,526 15,254 3, MSME 15,256 13,966 13,787 * 13,096 [691] [5.01] Large Industries 29,645 27,579 26,237 30,521 4, Retail 10,910 10,409 10,005 10, Food Credit 1,524 1,373 1,402 1, Others 10,982 9,312 12,399 9,368 [3,031] [24.44] Total 80,629 77,204 75,356 80,406 5, * Decline due to shifting of loan to Agri. Processing Units of Rs 1297 cr to Direct Agriculture as per new guidelines. The growth in Direct agriculture would have been 21% and MSME 4.4% with the exclusion of above changes. 11

12 RETAIL PORTFOLIO Mar 15 Sept 15 Dec 14 Dec 15 Y-o-Y Growth % Direct Retail Total Retail % of Gross Advances 8, , , , , , , , Segment Amount % To Total Retail Housing 4, Vehicle Education Retail Advances Housing Vehicle Education Mortgage Personal Dena Trade Doctor + Gold Loan Others Mortgage 1, Personal Dena Trade 1, Doctor Gold Loan Others Total 9,

13 PRIORITY SECTOR LENDING Sr No Particulars Mar 15 Sept 15 Dec 14 Dec 15 Y-o-Y Targets FY Agriculture 11, , , , ,300 2 MSME-PS 13, , , , ,200 3 Others 3, , , , ,500 4 Total PSL 28, , , , ,000 5 PSL % to ANBC 35.03% 38.25% % % 13

14 TREASURY MANAGEMENT Particulars Sept 15 Dec 14 Dec 15 % Growth 14 % to Total Investment Gross Investment 32, , , Of which (i) HFT [3.58] 2.07 (ii) AFS 7, , , (iii) HTM 24, , , [3.27] SLR Investment 29, , , Non-SLR Investment 3, , , [22.22] 9.21 of which Rated 3, , , [19.46] 9.15 Unrated [87.89] 0.06 Average Yield on all Investments [FY] Trading Profits [FY] HFT AFS HTM Total [1.96] [0.84] VAR Duration (Yrs) AFS + HFT HTM Total

15 ADVANCES - CLASSIFICATION Mar 15 Dec 14 Dec 15 Asset Category Amount % age Amount % age Amount % age Standard 76, , , Sub Standard 1, , , Doubtful 2, , , Loss Total NPAs 4, , , Total 80, , ,

16 MOVEMENT OF NPA Particulars Full Year Quarter Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 Gross NPA Opening Balance 2, , , , , , Less: Cash recoveries Less: Up gradations Less: Write off Total Reductions 1, , Add: Slippage & Debit Operations 3, , , , GROSS NPA 4, , , , , , GROSS NPA [%] NET NPA 3, , , , , , NET NPA [%} Recovery in w/o A/cs

17 EXPOSURE TO MAJOR INDUSTRIES Mar 15 Dec 14 Dec 15 Sector Amount % age Amount % age Amount % age Infrastructure 15, , , Power 9, , , Telecom 1, , , Roads & Ports 2, , , Other Infra 1, , Metal incl Iron & Steel 4, , , Textiles 4, , , Chemical & Chemical Products 1, , , All Engineering 2, , , Gems & Jewellery Food Processing 1, , , Construction 1, , ,

18 RESTRUCTURED ADVANCES Mar 15 Sept 15 Dec 14 Dec 15 Sector Amount % age Amount % age Amount % age Amount % age Agriculture Power 3, , , , Textiles Cement & Products Iron & Steel 1, , , , Telecom Civil Aviation Hotel Petro Chemical Other Infra Others 2, , , , Total 9, , , * 10, Restructuring of SEB (DISCOM) of ` cr [30.87% of total restructured portfolio]. Out of which ` cr are covered by State Govt. * This includes ` 2, cr which has already been classified as NPA.

19 CAPITAL ADEQUACY Net Worth 5, , , , Risk Weighted Assets 84, , , , Total Capital Funds 9, , , , Tier I Capital 6, , , , Tier II Capital 2, , , , Capital Adequacy Ratio Under Basel II Tier I Tier II Under Basel III Tier I Tier II

20 KEY RATIOS Ratios Full Year Quarter Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 A Cost of Deposits [%] B Cost of Funds [%] C Yield on Advances [%] D Yield on Investments [%] E Yield on Funds [%] F Net Interest Margin [%] G Provision Coverage Ratio [Incl Tech W/O]

21 KEY RATIOS Ratios Full Year Quarter Nine Months Mar 15 Sept 15 Dec 14 Dec 15 Dec 14 Dec 15 A. Cost to Income Ratio i) ii) B C D Staff Cost to Income Ratio Other Overhead to Income Ratio Net Profit to Total Income Return on Assets [Annualised] Return on Equity [Annualised] [24.35] 2.44 [7.16] [2.18] 0.23 [0.66] [39.12] 4.34 [12.40] E Earning Per Share ` [10.27] 3.90 [10.33] F Book Value `

22 PRODUCTIVITY RATIOS Particulars March 15 Dec 14 Dec 15 Business per Branch [ ` cr] Business per Employee [ ` cr] Profit Per Branch [ ` lacs] [46.32] Profit Per Employee [ ` lacs] [5.71] Staff strength has increased by 427during the period to cater the requirement of new branches Dec 13 Dec 14 Dec Dec 13 Dec 14 Dec 15 Business per Branch Business per Employee 22

23 SHARE HOLDING PATTERN Indian Public 12.87% Ins Cos 16.19% FI & Banks 0.08% Corp. Bodies 1.80% FIIs 5.56% NRIs & OCBs 0.50% Govt. of India 65.00% Share Capital ` cr No. of Shares Net worth cr ` 5, cr B. V. per share ` Return on Equity [12.40 %] (annualised) Govt. of India FII 5.56 Insurance Companies FIs/Banks 0.08 Mutual Funds 0.00 Bodies Corporate 1.80 NRIs & OCBs 0.50 Public

24 BRANCH NETWORK March 15 Sept 15 Dec 14 Dec 15 Branches 1,739 1, Ext. Counters ATMs 1,482 1,466 1,432 1,471 E-smart Lobbies Category Dec 15 % share Rural Semi Urban Urban Metro Total Bank has opened 52 branches during Quarter & 86 branches during nine months ended Dec Plans to open 115 new branches during the FY % 20.82% 38.25% 20.82% Category Rural Semi Urban Urban Metro 24

25 GOING FORWARD Bank will strive to achieve Credit Deposit Ratio of 74%. Bank expects to maintain NIM in the range of 2.25% to 2.50%. Bank targets to open 115 new branches during Financial Year Continue to focus on Retail & MSME advances. Strengthening of Loan Processing Centres. To cater to needs of new branches being opened and provide personalized customer service, Bank has recruited 195 POs, 128 Specialist Officers and 496 Clerks during the quarter ended Dec

26 GOING FORWARD IT Initiatives Bank has provided 1272 on Site ATMs and 199 off site ATMs Issue of RuPay Platinum Debit Card. Mobile Banking on USSD platform has been made operational. Bank has implemented the HRMS software. Bank has 59 e-smart lobbies and target of open 100 such lobbies by March E-payment of Customs Duty and Dena InstaPay has been introduced. 26

27 FINANCIAL INCLUSION Bank has opened lacs accounts under Pradhan Mantri Jan Dhan Yojana [PMJDY] against the target of lacs and issued lacs RuPay Cards. Bank has covered all the allotted 6,475 villages under FI. Out of above 5,794 villages through BC model and 681 villages through Brick & Mortar Branches. Bank has enrolled 7.42 cr residents for Aadhar Number as of Dec 2015 and having top position amount Non State Registrars (NSR) to UIDAI. Bank has also successfully launched and implementing Direct Benefit Transfer Scheme as per GOI Guidelines through Aadhar Payment Bridge System (ABPS) and Aadhar Enabled Payment System (AEPS). Bank has opened lacs BSBDAs (Basis Savings Bank Deposit Accounts) against the target of lacs accounts to be achieved by March Bank has received subsidy in 151 lacs records amounting ` cr under DBT & DBTL as Dec

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