1

2

1. M/s AGIWAL & ASSOCIATES, NEW DELHI2. M/s B.PURUSHOTTAM & CO., CHENNAI3. M/s JAIN KAPILA ASSOCIATES, NEW DELHI4. M/s P L TANDON & CO., KANPUR5. M/s SHAH & TAPARIA, MUMBAI6. M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI

REGIONAL OFFICES 33

BRANCHES REVIEWED BY SCAs 20*

* Covering 48.09% of Total Advances of the Bank. {Total Audit/review Coverage is 79.21% of Advances which includes 512 branches underConcurrent Audit }

3

Rs. In Crore YoY Growth

Total Business 3,04,270 11.84 %

Deposits 1,76,275 11.46 %

Advances 1,27,995 12.38 %

Total Assets 2,03,097 12.23 %

Core Deposits 1,44,873 24.63 %

Bulk Deposits 31,221 - 24.73 %

4

Rs. in Crore YoY Growth

Total Income 5,256 11.93 %

Non Interest Income 538 31.74 %

Net Interest Income 1,307 16.09 %

Operating Profit 1,088 21.39 %

Net Profit 353 -9.72 %

5

0

50000

100000

150000

200000

250000

300000

350000

Deposits Advances Business

158152

113896

272048

176275

127995

304270

Jun-12

Jun-13

Parameter JUN 12 JUN 13 Y-o-Y Growth

Aggregate Deposits 158152 176275 11.46%

Gross Advances 113896 127995 12.38%

Total Business 272048 304270 11.84%

CD Ratio 72.21% 72.69% 48 bps

(Rs. in Crore)

100000

110000

120000

130000

140000

150000

Jun-12 Jun-13

116247

144873

6

JUN-12 JUN-13 Y-o-Y Growth

Core Deposits 116247 144873 24.63%

Bulk Deposits 41478 31221 -24.73%

% of Bulk to Total Deposit 26.23% 17.71%

(Rs. in Crore)

25000

30000

35000

40000

45000

Jun-12 Jun-13

41478

31221

7

JUN-12 JUN-13 Y-o-Y % Growth

Current 9899 10551 6.60%

Savings 28091 31293 11.40%

CASA 37990 41844 10.14%

Term Deposits 120162 134431 11.87%

Total Deposits 158152 176275 11.46%

0

5000

10000

15000

20000

25000

30000

35000

40000

45000

Jun-12 Jun-13

9899 10551

2809131293

3799041844

CA

SB

CASA

(Rs. in Crore)

8

JUN-12 (Q1) JUN-13 (Q1) Y-o-Y Growth

Non-Interest Income 408 538 31.74%

(Rs. in Crore)

0

100

200

300

400

500

600

Qtr Jun-12 Qtr Sep-12 Qtr Dec-12 Qtr Mar-13 Qtr Jun-13

408 407378

462

538

9

(Rs. in Crore)

0

1000

2000

3000

4000

5000

6000

Qtr Jun-12 Qtr Sep-12 Qtr Dec-12 Qtr Mar-13 Qtr Jun-13

4696 4821 4847 49965256

JUN-12 Q1 JUN-13 Q1 Y-o-Y % Growth

Total Income 4696 5256 11.93%

10

800

850

900

950

1000

1050

1100

Qtr Jun-12 Qtr Sep-12 Qtr Dec-12 Qtr Mar-13 Qtr Jun-13

897921 926

947

1,088

JUN-12 (Q1) JUN-13 (Q1) Y-o-Y Growth

Operating Profit 897 1088 21.39%

(Rs. in Crore)

11

(Rs. in Crore)

S. NO.

PARAMETERSJUN-12

Q1

JUN-13

Q1

VariationY-o-Y

AMT (%)

1 INTEREST INCOME 4287.16 4717.65 430.49 10.04%

2 INTEREST EXPENSES 3161.32 3410.62 249.30 7.89%

3 NII (Spread) (1-2) 1125.84 1307.03 181.19 16.09%

4 NON INTEREST INCOME 408.41 538.05 129.64 31.74%

5 OPERATING EXPENSES 637.71 756.81 119.10 18.68%

6 OPERATING PROFIT 896.54 1088.27 191.73 21.39%

12

(Rs. in Crore)

S.

NO.PARAMETERS

JUN-12

Q1

JUN-13

Q1

Variation Y-o-Y

AMT

1 OPERATING PROFIT 896.54 1088.27 191.73

2 PROVISIONS 505.12 734.89 229.77

2 a Prov. for Depreciation on Investment -131.80 31.77 163.57

2 b Prov. for taxes 173.00 202.15 29.15

2 c Prov. for NPA 430.10 344.99 -85.11

2 d Prov. for Wage Revision 0.00 20.00 20.00

2 e Other Provisions 33.82 135.98 102.16

3 NET PROFIT =(1-2) 391.42 353.38 -38.04

13

S. NO. PARAMETERSJUN-12

Q1

JUN-13

Q1

Variation Y-o-Y

AMT (%)

1 INTEREST ON ADVANCES/BILLS 3331.99 3634.81 302.82 9.09%

2 INTEREST ON INVESTMENTS 945.67 1045.34 99.67 10.54%

3 OTHER INTEREST INCOME 9.50 37.50 28.00 294.74%

4 TOTAL INTEREST INCOME (1+2+3) 4287.16 4717.65 430.49 10.04%

5 COMM. EXCHG. & BROKERAGE 169.69 192.54 22.85 13.47%

6 TRADING PROFIT FROM TREASURY -13.34 205.57 218.91 1641.00%

7 OTHER INCOME 252.06 139.94 -112.12 -44.48%

8 NON INTEREST INCOME (5+6+7) 408.41 538.05 129.64 31.74%

9 TOTAL INCOME (4+8) 4695.57 5255.70 560.13 11.93%

(Rs. in Crore)

14

S. NO.

PARAMETERSJUN-12

Q1

JUN-13

Q1

Variation Y-o-Y

AMT (%)

1 INTT PAID ON DEPOSITS 3061.11 3302.06 240.95 7.87%

2 INTT PAID ON BONDS 69.10 92.02 22.92 33.17%

3 OTHERS 31.11 16.54 -14.57 -46.83%

4 TOTAL INTEREST PAID (1+2+3) 3161.32 3410.62 249.30 7.89%

5 ESTABLISHMENT EXPENSES 376.20 450.43 74.23 19.73%

6 OTHER OPERATING EXPENSES 261.51 306.38 44.87 17.16%

7 TOTAL OPERATING EXPENSES (5+6) 637.71 756.81 119.10 18.68%

TOTAL EXPENSES (4+7) 3799.03 4167.43 368.40 9.70%

(Rs. in Crore)

15

S. NO.

PARAMETERSJUN-12

Q1

MAR-13

Q4

JUN-13

Q1

1 Cost of Deposit 7.99% 7.78% 7.70%

2 Cost of Funds 7.04% 6.89% 6.85%

3 Yield on Advances 12.38% 11.98% 12.03%

4 Yield on Investment 7.45% 7.35% 7.41%

5 Yield on Funds 9.54% 9.54% 9.48%

6 Net Interest Margin 2.79% 2.82% 2.90%

16

S. NO.

PARAMETERSJUN-12

Q1

MAR-13

Q4

JUN-13

Q1

1 Return on Assets 0.87% 0.65% 0.71%

2 Return on Equity 14.53% 10.64% 11.86%

3 Operating Profit to AWF 2.00% 1.96% 2.19%

4 Cost to Income Ratio 41.56% 43.51% 41.02%

5 Establishment Exp. To AWF 0.84% 0.92% 0.90%

6 Non-Interest Income To AWF 0.91% 0.99% 1.08%

7 Book Value per share[Rs] 377.24 402.94 413.87

8 Earnings per share[Rs] 13.42 10.55 12.11

17

S. NO.

PARAMETERSJUN-12

Q1

JUN-13

Q1

Var

Y-o-Y (Bps)

1Interest Income as % to Working Fund

9.54% 9.48% -6

2Non Interest Income as % to Working Fund

0.91% 1.08% 17

3Operating Profit as % to Working Fund

2.00% 2.19% 19

18

S. NO.

PARAMETERS JUN-12 MAR-13 JUN-13Y-o-Y

% Growth

1 Large Corporates 59345 67635 65159 9.80%

2 Mid Corporates 22701 25697 24891 9.65%

3 Retail Credit 11872 14530 14492 22.07%

4 Others 19978 22324 23453 17.39%

Total 113896 130186 127995 12.38%

(Rs. in Crore)

19

(Rs. in Crore)

S. NO.

PARAMETERS JUN-12 MAR-13 JUN-13Y-o-Y

% Growth

1. Agriculture 15010 17881 17149 14.25%

a. Direct 11898 13866 13776 15.79%

b. Indirect 3112 4015 3373 8.37%

2.Micro & Small Enterprises

17900 20945 20367 13.78%

3.Other Priority Sector Advances

7334 7954 8068 10.01%

Total 40244 46780 45584 13.27%

20

S.NO. SCHEME JUN-12 MAR-13 JUN-13

Y-o-Y

% Growth

1. Housing Loan 5481 6336 6488 18.36%

2. Education Loan 1173 1227 1231 4.97%

3. Vehicle Loan 1230 1436 1460 18.74%

4. Other Retail Advances 3988 5531 5313 33.22%

Total Retail Credit 11872 14530 14492 22.07%

(Rs. in Crore)

21

SectorAmt. O/s

30.06.2013

(Rs. in Crore)

Industry

(excl. Infra) 34098

Infrastructure 23558

Agriculture 17149

Retail 14492

NBFC 9965

Commercial Real

Estate7260

Trade 5758

Food Credit 3398

Others 12317

Total 127995

Industry(excl. Infra)

26.64%

Infrastructure 18.41%

Agriculture13.40%

Retail11.32%

NBFC 7.79%

Commercial Real Estate

5.67%

Trade 4.50%

Food Credit2.65%

Others 9.62%

Industry(excl. Infra)

Infrastructure Agriculture

Retail NBFC Commercial Real Estate

Infrastructure40.86%

Iron & Steel14.44%

Textile11.26%

Food Processing5.57%

All Engg.4.13%

Metal & Metal Products

2.97%

Constructions2.79%

Chemicals, Dyes,Paints etc.

2.04% Paper & Paper Product2.06%

Other Industries13.88%

Infrastructure Iron & Steel Textile

Food Processing All Engg. Metal & Metal Products

Constructions Chemicals, Dyes,Paints etc.

Paper & Paper Product

22

Industry Segment

Amt. O/s

30.06.2013

(Rs. in Crore)

Infrastructure 23558

Iron & Steel 8325

Textile 6493

Food Processing 3210

All Engg. 2382

Metal & Metal

Products1710

Constructions 1609

Chemicals, Dyes,

Paints etc.1179

Paper & Paper

Product1190

Other Industries 8000

Total Industry 57656

23

Break up of exposure to Power Sector

(Rs. in Crore)

Segment 30.06.2013 % to Total Exp.

Total Infrastructure 32740 15.66%

Out of which:

- Power 19063 9.12%

-Telecom 2760 1.32%

- Ports, Roads & Highways 7604 3.64%

Particular 30.06.2013 % to Total Exp. % to Total Power

Central Govt. 1098 0.52% 5.76%

State Govt. 10518 5.03% 55.17%

Private 7266 3.48% 38.12%

Bonds 181 0.09% 0.95%

Total 19063 9.12% 100.00%

24

(Rs. in Crore)

STATEWISE EXPOSURE TO POWER SECTOR

S.No. Segment Exposure(30.06.13) % to Total Power %age to Total Adv.

1. Generation 9711 50.94% 4.64%

2. Transmission 1989 10.44% 0.95%

3. Distribution 7182 37.67% 3.44%

4. Bonds 181 0.95% 0.09%

Total 19063 100.00% 9.12%

State Generation Transmission Distribution Total % to Total

Rajasthan 60 250 2603 2913 27.69%Haryana 544 0 1555 2099 19.96%Uttar Pradesh 0 0 1782 1782 16.94%Gujarat 987 762 0 1749 16.64%Punjab 0 0 1218 1218 11.58%Andhra Pradesh 31 200 0 231 2.19%Maharashtra 0 202 0 202 1.92%Tamil Nadu 178 0 0 178 1.69%Other States 50 72 24 146 1.39%TOTAL 1850 1486 7182 10518 100.00%%age of Total State Exposure 17.60% 14.12% 68.28% 100.00%

Secured by State Govt. Guarantee 91 274 6771 7136 67.85%

25

As on 30.06.2012 As on 30.06.2013

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 38795.42 4350.89 0.00 43146.31 25757.33 18055.01 0.00 43812.34

NSLR 8090.87 2941.11 0.00 11031.98 7662.41 5553.69 592.05 13808.15

TOTAL 46886.29 7292.00 0.00 54178.29 33419.74 23608.70 592.05 57620.49

% to Total Portfolio

86.54% 13.46% 0.00% 100.00% 58.00% 40.97% 1.03% 100.00%

(Rs. in Crore)

26

M.DURATION(in Years)

30.06.2012 30.06.2013

TOTAL (AFS) 3.47 4.54

TOTAL PORTFOLIO 4.87 4.81

YIELD ON INVESTMENT (%)

30.06.2012 30.06.2013

Without Profit* 7.45 % 7.41 %

With Profit* 7.34 % 9.01 %

*Excluding RIDF

27

S.

NO.PARAMETERS Jun 12 Mar 13 Jun 13

1 Gross NPA 3377.62 4183.96 4302.90

2Gross NPA as % of Gross Advances

2.97% 3.21% 3.36%

3 Net NPA 2306.14 2902.66 2936.44

4Net NPA as % of Net Advances

2.05% 2.27% 2.34%

5 Provision Coverage Ratio 64.42% 63.00% 63.88%

(Rs. in Crore)

28

S.No PARTICULAR JUN-12

Q1

MAR-13

Q4

JUN-13

Q1

1 Opening Gross NPAs 3580.49 3689.96 4183.96

2 Recovery in Ledger Balance 171.46 211.13 186.26

3 Up gradation 258.57 37.56 198.78

4 Write Off 479.71 297.94 260.18

5 Total Reduction (2+3+4) 909.74 546.63 645.22

6 Fresh Addition 706.87 1040.63 764.16

7 Closing Gross NPAs 3377.62 4183.96 4302.90

8 Provision 1071.48 1281.30 1366.46

9 Closing Net NPAs 2306.14 2902.66 2936.44

10-a Cash Recovery in Bad Debt Written-off 196.73 116.76 80.74

10-b Cash Recovery in Recorded Interest 59.71 72.08 14.22

10 Total Cash Recovery in Revenue i.e.(10a+10b) 256.44 188.84 94.96

11 Total Recovery including upgradation (2+3+10) 686.47 437.53 480.00

(Rs. in Crore)

29

Jun-12 Mar-13 Jun-13

1 Gross NPA 3378 4184 4303

2 Standard Restructured 10566 9935 10268

3 Total Impaired Assets 13944 14119 14571

4 Total Advances 113896 130186 127995

5% of Total Impaired Assets to Total Advances

12.24% 10.85% 11.38%

(Rs. in Crore)

30

(Rs. In Crore)

S.No Restructured During the YearAmt Outstanding as on June 2013

1 Upto 2012-13 9849

2 2013-14 (Q1) 419

Total 10268

31

(Rs. in Crore)

S.No Restructured Accounts O/s Balance as on 30.06.2013

1 State Discoms 3310

2 Aviation (Air India) 1159

3 Under CDR 2564

4 Under MSME 494

5 Others 2741

6 Total 10268

Breakup of State Discoms

• Rajasthan Discom : 1942

• U P Discom : 998

• Haryana Discom : 370

32

(Rs. in Crore)

S.No Particulars O/s 30.06.2013 % of total1 Infrastructure 5455 53.13%2 Aviation 1159 11.29%3 Textiles 587 5.71%4 Iron & steel 1232 12.00%5 Paper 171 1.66%6 Agriculture 177 1.72%7 Sugar 171 1.67%8 Others 1316 12.82%

Total 10268 100.00%

Break up of Infrastructure Amt (Rs. in crore)

State Discoms 3310Telecom 542Power Generation 845Roads ,Highways & Ports 509Others 249Total 5455

33

S. NO.

PARTICULARS JUN 12 (BASEL II)

MAR 13 (BASEL II)

JUN13(BASEL II)

JUN 13(BASEL III)

CAPITAL FUND:-

1 Tier I 11935 12613 12520 11647

2 Tier II 2845 3929 3747 3126

3 Total (I+II) 14780 16542 16267 14773

4 Risk-weighted Assets 120236 137453 135296 134654

5 Capital Adequacy ratio (%) 12.29% 12.04% 12.02% 10.97%

6 Tier I (%) 9.92% 9.18% 9.25% 8.65%

7 Tier II (%) 2.37% 2.86% 2.77% 2.32%

(Rs. in Crore)

34

Jun 2012

Mar 2013

Jun 2013

Govt. 58.00% 58.00% 58.00%

FIIs & NRIs 9.60% 9.69% 10.25%

Banks, Inst./ Insurance Co.

19.25% 16.94% 16.12%

Others 13.15% 15.37% 15.63%

58.00%

10.25%

16.12%

15.63%

Govt. FIIs/NRIs Banks/Inst./Ins. co. Others

Jun-12 Mar-13 Jun-13

Branches 1794 2000 2023

ECs 14 0 0

Brs + ECs 1808 2000 2023

ATMs 1292 1452 1575

Total Delivery Channels 3100 3452 3598

As on 30.06.2013

35

43021%

54127%

57328%

47924%

Metro Urban Semi-Urban Rural

0

1000

2000

3000

Jun-12 Mar-13 Jun-13

1808 2000 2023

1292 1452 1575

3100

3452 3598

BR+EC

ATM

Delivery Channel

36

0.005.00

10.0015.00

Mar-12 Q4

Jun-12 Q1

Mar-13 Q4

Jun-13 Q1

9.08

13.42

10.55 12.11

EPS

300.00

350.00

400.00

450.00

Mar-12 Jun-12 Mar-13 Jun-13

361.20377.24 402.94 413.87

Book Value per Share

0.00%

10.00%

20.00%

30.00%

Mar-12 Q4

Jun-12 Q1

Mar-13 Q4

Jun-13 Q1

10.12%

14.53%

10.64% 11.86%

Return on Equity

0.00%

0.50%

1.00%

1.50%

Mar-12 Q4

Jun-12 Q1

Mar-13 Q4

Jun-13 Q1

0.60%

0.87%

0.65% 0.71%

Return on Assets

37

Sr.No

Parameters March2013

June2013

1 No. of villages with population > 2000 974 976

2 No. of villages with population < 2000 574 873

3 Total No. of villages covered 1548 1849

5 Total no. of Basic Saving Bank Depositaccounts opened

26.75 Lac 28.45 Lac

6 Total no. of ICT based Savings BankDeposit accounts

5.68 Lac 6.35 Lac

7 Total no. of transactions in ICT basedaccounts during Quarter

3.77 Lac 4.80 Lac

38

Sr.

No.Particulars

43 Pilot

Districts

(Phase –I)

78

additional

Districts

(Phase II)

Other

Districts

Bank as

a whole

1 No. of Beneficiaries lists received 14563 7587 39487 61637

2 No. of accounts opened 14563 7587 39487 61637

4 Gap in opening of Accounts NIL NIL NIL NIL

5No. of accounts seeded with

Aadhaar12795 1799 3300 17894

6

Gap-accounts without Aadhaar

number. The gap is on account of

non receipt of Aadhaar numbers.

1768 5788 36187 43743

7 No. of ATM debit cards issued 10272 3309 10614 24195

8 Gap in issuing ATM debit cards 4291 4278 28873 37442

9No. of Beneficiaries ineligible for

ATM cards (Minor & Illiterate)4291 4278 28873 37442

10 Actual Gap in ATM card issuance Nil Nil Nil Nil

On the inauguration of new branch at Milaganoor by the Hon’ble Finance Minister, theBank donated Rs.5 lacs for the Govt. High School at Milaganoor for construction ofschool compound wall. Further, Wheelchairs were also donated to the physicallyhandicapped persons.

All the employees of the Bank contributed Rs.2.15 Crore to the Prime Minister’s NationalRelief Fund by donating their one day’s salary to help the flood victims of Uttarakhand.Besides, the Bank organised camps in Kedarnath & Badrinath and provided food,medicines, mineral water and all sort of help to the persons affected by the calamity.

During the current year, the Bank has planned to provide over 6000 ceiling fans to Govt.Primary Schools located in rural centres.

In 23 financial inclusion villages and other rural areas, water purifiers, water coolers,schoolbags, hand pumps, stitching machines, benches & chairs have been provided.

The Bank has continued with various CSR/Welfare activities like distribution of books topoor blind students, free rice to people below poverty line, free medical treatment forthe poor and needy, donation of Ambulances, Vans, DG Sets, Computers, Water Coolersand support to Mid Day Meal programmes, etc.

39

The Bank has been authorized for online collection of VAT for Delhi State.

A new Women Oriented Personal Loan Scheme named “STREE SHAKTI”launched for the wives of existing Home Loan Borrowers of the Bank.

The Bank is participating in financing under Haryana Govt.’s newly launchedscheme “Priyadarshini Awaas Yojna” (PAY). The scheme has been launchedfor providing housing loan facility to 2 Lac poor rural families.

An independent Chief Customer Service Officer (CCSO) has been appointedby the Bank who shall work as an Internal Ombudsman to give special focusto customers’ grievances and to provide a speedy redressal to theirgrievances.

Bank has installed and operationalised its own FI Gateway Server.

Kiosk Based Financial Inclusion made Live. It is another delivery channel forFinancial Inclusion customers who can do banking transactions through CSP(Customer Service Points)

40

VISION STATEMENT

TO BE A CUSTOMER FRIENDLY PREMIER BANKCOMMITTED TO ENHANCING STAKEHOLDERS VALUE.

MISSION STATEMENT Provide quality , Innovative services with state-

of-the-art technology in line with customer expectations.

Enhance employees’ professional skills and strengthen cohesiveness.

Create wealth for customers and other stakeholders.

41

42