Highlights Business Cross Section Domestic CASA Domestic Advances Retail Credit Components. 9 Months. Key Parameters Quarterly

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2 Sl. No. Areas of Presentation Slide No Sl. No. Areas of Presentation Slide No 13 Financial 9 Months 14 Key Parameters Quarterly Capital Adequacy (Basel III) Earnings Per share, Book Value Per Share and Equity Holdings 26 Restructured Advances & Stressed Asset Ratio Equity Value 27 9 Non Performing Assets (NPA) Branch Network NII, Operating Profit & Net Profit 5 5 Highlights Business Cross Section Domestic CASA Domestic Advances Retail Credit Components 6 Infrastructure & NBFC Exposure 8 7 Gross Investments Financial Highlights Quarterly Provisions Quarterly Highlights Ratio 22-23

3 3 HIGHLIGHTS OF WORKING RESULTS Business Profit Other Income Capital Quarterly Margin Global Business increased by 5.93% (Y-o-Y) CASA Deposits grew by 9% (Y-o-Y) Retail Credit grew by 21% (Y-o-Y) Net Interest Income increased by 15% (Y-o-Y) Operating Profit increased by 11% (Y-o-Y) Other Income up by 31% (Y-o-Y). CRAR (Basel III) at 10.91% Domestic NIM : 2.74% Global NIM : 2.32%

4 4 Business Cross Section GLOBAL Sep., Business Deposits GLOBAL BUSINESS Growth Y-O-Y Amount % Global Business 25, Global Deposits 4, Global Advances 21, Advances DOMESTIC BUSINESS Growth Y-O-Y Amount % Domestic Business 19, Domestic Deposits 1, Domestic Advances 17, DOMESTIC Sep., Business Deposits Advances

5 5 Domestic CASA Cost of Deposits % (Domestic) `. in Crores ,52 7,45 7,43 7, ,85 Total CASA Current Savings Sep., 14 Mar., 15 Jun., 15 Sep., `. in Crores Y-O-Y Growth 735 4,856 4% 11% 72, % 27.90% 31.70% 30.22% 10.87% 5.82% 6.91% Sep., Current Deposits Savings Bank 17,921 44,524 22,883 49,579 CASA Deposits 62,445 Domestic CASA Deposits % % of Bulk Deposits %

6 6 Domestic Advances Domestic Advances (Gross) Dec, Sep, Dec, 1,48,825 1,62,127 1,66,521 21,090 (14%) 23,792 (16%) 21,324 ( 14%) 24,360 (15%) 24,920 (16%) 25,503 (15%) 25,888 (15%) 26,587 (16%) 66,206 (44%) 74,938 (46%) 77,978 (46%) Y-o-Y Growth Growth over March, Sep, Full % Amt Year Amt % 17,696 12% % % % % 968 4% % 929 4% 11,772 18% % 1,65,153 R A M Category Advances Retail Credit Agriculture Credit MSME Credit Total R A M (15%) 25,658 22,256 (13%) 26,205 (16%) 24,665 (15%) 73,126 (44%)

7 7 Retail Credit Components Vehicle Loans Housing Loans Mar., 15 Jun., 15 Education Loans Sep., 15 Mortagage Loans Mar., 15 Other Retail Advances Jun., 15 Sep., Gold Loan (Non Priority) Mar., 15 Jun., 15 Sep., Mar., 15 Jun., Sep., Mar., 15 Jun., Sep., 15 15

8 8 Infrastructure and NBFC Exposure (Global) Dec, Sep, Dec, Roads & Ports 14,816 (8%) 11,237 (6%) 3,579 (2%) 3,313 (2%) 16,694 (8%) 12,079 (6%) 4,615 (2%) 4,857 ( 2%) 17,563 (8%) 12,821 (6%) 4,741 (2%) 4,616 (2%) Aviation 1,097 (1%) 1,135 (1%) Telecom 3,796 (2%) Total Infrastructure NBFC Power State Owned Private Owned TOTAL Y-o-Y growth % Growth % Over Sep, 19% 5% 14% 6% 32% 3% 39% (5%) 1,136 (1%) 4% 0.09% 2,533 (1%) 2,619 (1%) (31%) 3% 23,022 (12%) 25,219 (12%) 25,934 (12%) 12% 3% 23,433 (13%) 23,518 (11%) 24,875 (12%) 6% 6% 46,455 (25%) 48,737 (23%) 50,809 (24%) 9% 4% % age expressed on Gross Global Advances March, (FY) 16,729 ( 8%) 11,498 (6%) 5,231 ( 3%) 3,139 (2%) 1,330 (1%) 2,763 (1%) 23,961 25,104 (12%) 49,065 (24%)

9 9 Gross Investments 66,997 67,702 69,528 67, HFT AFS Mar., Sep., HTM 15 Yield on Investments (Quarterly) 8,10 8,07 Sep., 8,06

10 10 Restructured Advances CDR Amount () No.: of Accounts Non - CDR Amount () No.: of Accounts TOTAL 31st 31st Mar., 30th Sep, 31st 2,439 2,978 2,562 2, st 31st Mar., 30th Sep, 31st 7,777 7,789 7,842 8,108 1,00,411 94,483 93,516 97,635 31st 31st Mar., 30th Sep, 31st Amount () 10,216 10,767 10,404 10,682 No.: of Accounts 1,00,443 94,525 93,547 97,667

11 11 Advances Restructured during Quarter Quarterly Sep., Restructured Advances FY Ended Mar., 1,900 Stressed Asset Ratio Mar., June, Sep., Stressed Asset Ratio Restructured (STD) Ratio Gross NPA Ratio

12 12 Non Performing Assets Mar., Net NPA Jun., Sep., Gross NPA 6210

13 13 NPA and Provision Coverage Ratios Quarterly Movement Yearly Movement 2,62 3,13 0, Gross NPA % 4,61 3,60 1,99 1,56 % 1,90-15 Net NPA % Provision Coverage Ratio (PCR) 3,13 3,72 3,04 2,38 1,90 14 Mar., 15 2,36 2,37 Jun., 15 Sep., 15 Gross NPA % 15 Net NPA % Provision Coverage Ratio (PCR) 83,41 70,02 3,72 62,96 66,61 63,24 63,37 66,61 58, Dec 14 Mar 15 Jun 15 Sep 15 Dec-15

14 14 A. Gross NPA at the Beginning B. Deduction: (i) Upgradation & Decrease due to Operations (ii) Recoveries (iii) Write off (incl. Prudential) TOTAL C. Additions: (i) Fresh NPA TOTAL Gross NPA at the End (A-B+C) 6,049 Quarterly Sep., 7,546 7, , ,668 1,340 1,340 6,724 1,363 1,363 7,734 2,787 2,787 9,603 5,499 5,499 6,442 FY Ended March, 15 4,611

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16 16 Yearly Performance Net Interest Income (NII) Net Profit Operating Profit Quarterly Performance Net Interest Income (NII) Operating Profit Dec.' 14 Mar.' 15 Jun.' 15 Sep.' 15 Dec.' Net Profit Dec.' 14 Mar.' 15 Jun.' 15 Sep.' 15 Dec.' Dec.' 14 Mar.' 15 Jun.' 15 Sep.' 15 Dec.' 15 (119)

17 17 FINANCIAL HIGHLIGHTS - Quarterly Sep., Y-o-Y Variation (%) Interest Income Interest Expended 5,499 6,055 5,638 3% (7%) 21, ,460 4,121 (1%) (8%) 16,095 Net Interest Income (NII) ,595 1,517 15% (5%) 5,520 Other Income Operating Expenses Operating Profit % (10%) 26% 1% 2,110 3, , % (14%) 4,007 Provisions & Others % 39% 2,484 Net Profit (119) - - 1,523 Change over March, Sep., (%) (FY)

18 18 INTEREST ANALYSIS - Quarterly Interest Income on Advances Interest Income on Investments Interest on Call Money Lending / Repo/ Others TOTAL INTEREST INCOME Interest Paid on Deposits Interest on Bonds Other Interest Expenditure TOTAL INTEREST EXPENDITURE Net Interest Income (NII) Change over March, Sep., (FY) (%) Sep., Y-o-Y Variation (%) 3,913 4,445 4,268 9% (4%) 16, ,297 (2%) 0% 4, (72%) (77%) ,056 5,638 3% (7%) 21, , (3%) (9%) 15, % 25% (14%) 1% , (1%) (8%) 16,095 1,319 1,595 1,517 15% (5%) 5,520 18

19 19 OTHER INCOME Quarterly Sep., Y-o-Y Variation (%) (10%) (3%) % 90% 97 Recovery in Written Off A/cs % (21%) 330 Miscellaneous Income % (28%) % (8%) 1, % (14%) % (10%) 2,110 Commission & Brokerage Net Profit from FX Transactions Total (Excl. Trading Profit) Net Profit on Sale of Investments GRAND TOTAL Change over March, Sep., (%) (FY)

20 20 Operating Expenditure - Quarterly Y-o-Y Change over March, Variation Sep., (FY) (%) (%) Sep., % 21% (17%) 0.67% - 2, % (2%) 6% % 233% 50% 100% 186% (21%) Insurance & Guarantee Fee % 4% 167 Other Expenditure TOTAL % 25% (5%) 1.15% 525 3,623 Staff Expenses Rent, Taxes & Lighting Printing & Stationary Advertisement & Publicity Depreciation on Fixed Assets Auditors Fees Law Charges Postage, Telephone etc. Repairs & Maintenance

21 Provisions Quarterly Provision for NPA Bad Debts Written Off Provision for Income Tax (Net of DTA/ DTL) Standard Assets Restructured Assets Depreciation on Investments Wage Arrears Others TOTAL 21 Y-o-Y Change over March, Variation Sep., (FY) (%) (%) Sep., % 142% 1,622 67% (29%) (28%) (44%) 473 (11) (27) (28) (42) 145% (22) % - (16) 60 (4) % (69%) 39% ,483

22 22 FINANCIAL HIGHLIGHTS 9 Months March, Y-o-Y Variation (%) (FY) Change Interest Income % 21,615 Interest Expended % 16,095 Net Interest Income (NII) % 5,520 Other Income % 2,110 Operating Expenses * * % 3,624 Operating Profit % 4,007 Provisions % 2,484 Net Profit (591) (53%) 1,523 * Includes Exception Items pertains to Sept- of ` 140 Cr (Wage Arrears)

23 23 INTEREST ANALYSIS & Other Income 9 Months Variation March, (FY) (%) Y-o-Y Change Other Interest Expenditure TOTAL INTEREST EXPENDITURE Net Interest Income (NII) 11,886 3, ,810 10, ,713 4,097 13, ,515 12, ,993 4,523 1, ,705 1, (7) 1, % 12% 21% 11% 11% 12% 6% 11% 10% 16,120 4, ,615 15, ,095 5,520 Commission & Brokerage Net Profit from FX Transactions Recovery in Written Off A/cs Miscellaneous Income Total (Excl. Trading Profit) Net Profit on Sale of Investments Other Income , , , % 31% 35% 16% 13% 67% 27% , ,110 Interest Income on Advances Interest Income on Investments Other Interest Income TOTAL INTEREST INCOME Interest Paid on Deposits Interest on Bonds

24 KEY PARAMETERS Quarterly (Global) 24 (%) Parameters Mar., Jun., Sept., Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (0.16) Yield on Investments NET INTEREST MARGIN (NIM) Global Domestic

25 25 Capital Adequacy Ratio - Basel III Tier I Tier II 10,54 10,46 7,84 7,61 CRAR (%) 10,91 10,46 7,26 7,26 2,85 2,70 3,20 3,65 Mar., Sep., Regulatory Total Capital () Risk Weighted Assets () CRAR Mar., Sep., 15,112 16,891 18,120 18,888 1,44,502 1,60,249 1,73,233 1,73, % 10.54% 10.46% 10.91%

26 26 Earnings Per Share EQUITY HOLDING PATTERN (Annualised) As on ,61 Govt. of India 69,24% 10,37 Book Value Per Share 201,84 205,13 Others 13,24% FIIs 5,53% Bodies Corporate 1,54% Insurance Cos. 9.69% Banks & FIs Mutual Fund & 0,22% UTI 0,54%

27 27 EQUITY VALUE Mar., June, Sep., Earnings Per Share (`) Book Value Per Share (`) Return on Equity (%) No. of Shares ( in Crs.) Share Capital (` in Crs.) , , , , Market Capitalisation (` in Crs.)

28 28 BRANCH NETWORK 137 Branches opened during Q3 (-16) 101 Villages covered under FI Scheme 6950 Branches opened during Q3 (-15) Satellite Offices Metro Urban Semi-Urban Rural

29 29 THANK YOU