Performance Highlights Q4 FY15. 2 STATUATORY CENTRAL AUDITORS 1.M/S. ISSAC & SURESH 2.M/S. M.M. NISSIM & CO. 3.M/S. D.SINGH & CO. 4.M/S. J.K. KAPUR &

Performance HighlightsQ4 FY15

2

STATUATORY CENTRAL AUDITORS

1. M/S . ISSAC & SURESH

2. M/S. M.M. NISSIM & CO.

3. M/S. D.SINGH & CO.

4. M/S. J.K. KAPUR & UBERAI

5. M/S. GROVER LALLA & MEHTA

6. M/S. B. RATTAN & ASSOCIATES

3

INDEX

ITEM SLIDE NO.Results at a glance 4

Business, CASA, Market share, 5 - 7

Domestic Credit:Key Sectors, Retail & Priority Sector 8-12

Restructured Assets 13-15

Asset Quality (NPA) & Sale of Assets to ARCs 16-19

Investments 20

Profit & Loss Parameters 21-24

Key Ratios 25

Capital Adequacy 26

Business per Employee/Branch 27

Multiple Delivery Channels 28-29

Financial Inclusion 30

Shareholding pattern 31

Awards 32

Results at a Glance – March,2015

4

FY15

Parameter Rs. Crore YoYGrowth%

Total Business 943,633 10.60%

Total Deposits 531,907 11.52%

Total Advances 411,726 9.44%

CASA deposits 114,386 8.46%

Priority Sector Advances 94,572 9.76%

MSME Advances 54,406 20.68%

Retail Advances 34,153 15.38%

Ratios for FY15

Parameter (in %)

Gross NPA 5.39%

Net NPA 3.36%

Provision Coverage Ratio 52.40%

Capital Adequacy Ratio (Basel-III) 10.73%

Return on Assets 0.27%

NIM GlobalDomestic

2.11%2.49%

Business Mix(Deposits + Advances)

Mar 14 Jun14 Sept 14 Dec 14

Mar 15 Y-O-Y Growth %

Global Business 853,202 882,441 917,720 940,623 943,633 10.60

Domestic 627,850 643,328 656,923 672,225 687,515 9.50

Foreign 225,352 239,113 260,797 268,398 256,118 13.65

Global Deposits 476,974 500,875 518,432 530,213 531,907 11.52

Domestic 363,590 381,454 388,377 396,122 398,000 9.46

Foreign 113,384 119,421 130,055 134,091 133,907 18.10

Global Advances 376,228 381,566 399,288 410,410 411,726 9.44

Domestic 264,260 261,874 268,546 276,103 289,515 9.56

Foreign 111,968 119,692 130,742 134,307 122,211 9.15

Business Growth

(`.in Crores)

5

FY Mar. 14 FY Mar. 15

105,467

114,386

CASA - Domestic

Savings DepositYoY Growth: 10.62%

Current Deposit YoY Growth: -1.82%

CASA YoY Growth: 8.46%

CASA Profile

6

FY Mar.14 FY Mar.15

87,136

96,389

Saving Deposits

(`. in Crores)

CASA Ratio: 29.48%

FY Mar.14 FY Mar.15

18,331 17,997

Current Deposits

CONSISTENT FOCUS ON CASA

Market Share

7

Q4FY1

3Q1F

Y14

Q2FY1

4Q3F

Y14

Q4FY1

4Q1F

Y15

Q2FY1

5Q3F

Y15

Q4FY1

5

3.83 3.82

3.963.99

4.174.20 4.19

4.224.27

Advances

Q4FY1

3Q1F

Y14

Q2FY1

4Q3F

Y14

Q4FY1

4Q1F

Y15

Q2FY1

5Q3F

Y15

Q4FY1

54.26

4.404.35 4.36

4.47

4.69

4.604.66

4.57

Deposit

Key Sectors – Domestic Credit

Industry Mar 14 Jun 14 Sept. 14 Dec. 14

Mar. 15Y-O-Y

Growth %

% to Domestic Credit

Mar14 Mar.15

Agriculture 36,071 34,801 37,994 39,063 40,495 12.26 13.65 13.99

MSME (Priority & Non- Priority)

45,081 45,282 48,391 51,989 54,406 20.68 17.06 18.79

Retail 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80

Corporate & Others 153,508 153,967 152,507 153,761 160,461 4.53 58.09 55.42

Total 264,260 261,874 268,546 276,103 289,515 9.56 100.00 100.00

(` in Crores)

8STRATEGIC SHIFT IN COMPOSITION

Particulars Mar 14 Jun 14 Sept. 14 Dec. 14 Mar. 15

Y-O-Y Growth

%%age to Domestic

CreditMar-14 Mar-15

Home Loan 13,081 13,902 14,913 15,821 16,664 27.39 4.95 5.76

Mortgage Loan 2,971 3,110 3,424 3,709 4,144 39.48 1.12 1.43

Auto Loan 2,351 2,398 2,475 2,657 2,733 16.25 0.89 0.94

Education Loan 2,652 2,712 2,855 2,883 2,918 10.03 1.00 1.01

Personal Loan 927 960 997 1,031 1,085 17.04 0.35 0.37

Others 7,618 4,742 4,990 5,189 6,609 -13.24 2.88 2.28

Total 29,600 27,824 29,654 31,290 34,153 15.38 11.20 11.80

(` in Crores)

Retail Credit

9

Industry Mar 14 Jun 14 Sept. 14 Dec. 14

Mar. 15Y-O-Y

Growth %

% to ANBC

Agriculture* 40,211 38,941 42,134 43,203 43,183 7.39 16.07

MSE 35,504 35,713 37,185 38,181 39,822 12.16

Housing Loan 7,517 7,535 7,731 7,950 8,374 11.40

Educational Loan 2,598 2,655 2,797 2,831 2,872 10.59

Others 331 328 329 332 321 -3.02

Total Priority Sector Advances 86,161 85,172 90,176 92,497 94,572 9.76 35.20

(`. in Crores)

Priority Sectors

10

* Including RIDF

Particulars Mar 14 Jun 14 Sept. 14 Dec. 14

Mar. 15 Y-O-Y

Growth %

% to Domestic Advances

Mar-14 Mar-15

Textiles 9,716 9,414 9,545 9,786 10,007 3.00 3.68 3.46

Chemicals & Chemical products

6,772

7,773

5,803 6,104 6,187 -8.64 2.56 2.14

Rubber, Plastic & their products 2,726 2,620 2,604 2,670 2,716 -0.37 1.03 0.94

Basic metal & metal products 12,953 12,351 13,009 13,220 13,366 3.19 4.90 4.62

Vehicles, vehicle parts & Transport equipment

2,021 2,156 2,083 2,182 2,575 27.41 0.76 0.89

Gems & Jewellery 5,665 5,886 6,532 6,544 6,348 12.06 2.14 2.19

Construction 1,822 1,742 2,023 2,150 1,547 -15.09 0.69 0.53Infrastructure 42,358 43,539 44,136 46,269 49,016 15.72 16.03 16.93Other Industries 29,001 29,682 28,775 29,815 32,302 11.38 10.97 11.16

Total 113,034 115,163 114,511 118,740 124,064 9.76 42.77 42.85

(`. in Crores)

Key Sectors - Domestic Credit- Industry

11

Particulars Mar 14 Jun 14 Sept. 14

Dec. 14 Mar 15

Power 26,847 28,172 29,072 30,836 33,386

- SEBs 11,355 11,878 12,797 13,635 15,071

- Others 15,541 16,294 16,275 17,201 18,315

Roads and ports 9,686 10,409 10,158 10,514 10,751

Telecom 1,196 1,215 1,111 1,050 927

Other Infrastructure 4,629 3,743 3,795 3,869 3,952

Total 42,358 43,539 44,136 46,269 49,016

(`. in Crores)

Advances to Infrastructure Sectors

12SEB EXPOSURE BACKED UP GOVT. GUARANTEE

Period Amount Restructured

FY 10-11 2,375

FY 11-12 6,014

FY 12-13 8,469

FY 13-14 5,761

FY 2014-15(Q4 : Rs.2,743 crore) 6,735

TOTAL RESTRUCTURED PORTFOLIO(DOMESTIC) 28,235

Of Which a) Standard 20,180

b) NPA 8,055

(`. in Crores)

Restructured Assets (Domestic)

13

Out of Total Domestic Restructured Portfolio (as per RBI Guidelines): Rs.15,598 crore

Standard Restructured Advances Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15

CDR Restructuring 6427 5816 5,695 5,747 4,992

Domestic 6,288 5,677 5,553 5,473 4,693

Foreign 139 139 142 274 299

Other Restructuring 14,328 15,180 16,259 16,089 16,826

Domestic 12,582 13,923 14,442 14,777 15,487

Foreign 1746 1,257 1,817 1,312 1,339

Total 20,755 20,997 21,954 21,836 21,828

Domestic 18,870 19,600 19,995 20,250 20,180

Foreign 1,885 1,397 1,959 1,586 1,638

(`. in Crores)

Standard Restructured Advances

14

(`. in Crores)

Sector wise breakup of Standard Restructured Advances(Domestic)

15

SNO Sector March 2014 March 2015

1 INFRA 7,320 8,829 INFRA-POWER 4,500 5,750 INFRA-TELECOM 960 430 INFRA-RAODS & PORTS 1,411 1,636 INFRA-OTHERS 448 1,0132 AVIATION 2,164 2,3643 ENGG 622 1,1754 STEEL 906 9225 MISC 979 7836 TEXTILES 957 8737 PHARMA 219 5558 SUGAR 706 5939 SERVICE-TRANSPORT RELATED 329 335

10 FOOD PROCESSING 302 26011 CEMENT 107 21812 SERVICES 161 27013 SERVICES-TRADE 127 21314 OTHER METAL 152 17415 EDUCATION 258 24216 AUTOMOBILES 370 16317 HOTELS 867 16518 RUBBER & PLASTIC 166 10819 PAPER 128 16320 AGRICULTURE 219 12221 CHEMICALS 187 11722 CERAMICS 218 4823 CRE 343 4024 LEATHER 26 1525 GEMS & JEWELLARY 54 926 CPMPUTER/IT RELATED 54 927 BELOW 1 CR 931 1,414

TOTAL 18,870 20,180

Sale of Assets to ARCs

16

(`. in Crores)

FY 13-14 FY 14-15

FY14 Q1 Q2 Q3 Q4 FY15

Net Outstanding of Accounts sold 4,743 1,764 132 112 936 2,844

Of which,

Prudential written off (PWO) Accounts sold 2,304 75 89 - 77 241

Existing Gross NPAs sold 1,375 580 43 12 859 1,575

Fresh Slippages / SMA-2 1,064 889 - - - 1,028

Mar-14 June-14 Sept.-14 Dec.-

14 Mar-15

Gross NPA 11,868 12,532 14,127 16,694 22,193

Net NPA 7,417 8,042 9,101 10,061 13,518

Gross NPA % 3.15 3.28 3.54 4.07 5.39

Net NPA % 2.00 2.14 2.32 2.50 3.36

Provision Coverage Ratio % 58.68 58.10 56.32 56.62 52.40

Asset Quality

17

(`. in Crores)

(`. in Crores)

Movement of NPA

18

FY Mar 2013 FY Mar 2014 FY Mar 2015

Indian Foreign Total Indian Foreign Total Indian Foreign Total

Opening Balance 5,170 724 5,894 7,152 1,613 8,765 10,274 1,594 11,869

Less :

1,197 48 1,245 3,043 23 3,066 2,281 407 2,688Cash Recovery

Upgradation 721 38 759 776 162 938 2,172 209 2,381 Write Off 2,413 2 2,415 1,142 624 1,766 801 0 801

Total reduction4,332 88 4,420 4,962 809 5,770 5,254 616 5,870

Less URI 77 11 88 -49 -14 -63 457 0 457

Add : Slippages 6,391 988 7,379 8,035 776 8,811 15,682 969 16,651

Closing Balance7,152 1,613 8,765 10,274 1,594 11,869 20,245 1,948 22,193

Sector Mar 14 Jun-14 Sept. 14 Dec. 14 Mar. 15% to Sectoral

Advances

Mar 14 Mar 15

Agriculture 663 696 911 1,020 1,315 1.84 2.95

Industry 7,094 7,571 8,449 9,847 14,051 6.28 7.26

Services 2,318 2,687 2,911 3,447 4,196 2.71 3.03Retail 199 206 326 365 683 0.67 1.09

Total 10,274 11,160 12,597 14,679 20,245 3.89 4.54

(`. in Crores)

Sector wise NPA

19

Domestic

Sector Mar 14 Jun-14 Sept. 14 Dec.14 Mar.15% to sectoral

Advances

Mar 14 Mar 15

Trade 313 319 464 411 480 3.82 1.85

Manufacturing 434 282 362 505 474 4.14 5.71

Real Estate 227 236 232 210 211 15.73 12.06

Others 620 535 472 889 783 0.67 0.91

Total 1,594 1,372 1,530 2,015 1,948 1.42 1.59

Overseas (`. in Crores)

Mar 14 Mar. 15

AFS HTM HFT Total AFS HTM HFT Total

1. SLR Investments 15,470 81,139 20 96,629 10,958 90,958 - 101,917

Of Which:

Government Securities 15,470 80,983 20 96,473 10,598 90,802 - 101,760

Other Approved Securities - 156 - 156 - 156 - 156

M Duration 3.51 4.93 6.22 4.69 3.99 4.78 - 4.70

2. Non SLR Investments 11,744 1,217 - 12,961 12,670 1,491 - 14,162

M Duration 3.16 4.62 - 3.20 4.33 0.32 - 4.23

Total 27,214 82,356 20 109,590 23,629 92,450 - 116,078

(`. in Crores)

Investments (Domestic)

20

Quarter ended Year ended

Particulars Mar 14 Mar 15 Y-O-Y% Variation Mar 14 Mar 15 Y-O-Y%

Variation

Interest Income 10,360 11,138 7.51 37,910 43,430 14.56

a. From Advances 7,281 8,035 10.36 27,119 31,678 16.81

b. From Investments 2,185 2,375 8.70 8,405 9,400 11.84

c. Other Interest Income 894 728 -18.57 2,386 2,352 -1.42

Interest Expended 7,313 8,291 13.37 27,079 32,086 18.49

a. On Deposits 6,320 7,517 18.94 23,775 28,921 21.64

b. On Borrowings 775 508 -34.45 2,534 2,226 -12.15

c. Subordinated Bonds & others 218 266 22.02 770 939 21.95

Net Interest Income 3,047 2,847 -6.56 10,831 11,344 4.74

(`. in Crores)

Net Interest Income

21

Non Interest Income

22



Variation

Commission, Exchange & Brokerage 408 408 0.23 1,426 1,610 12.90

Profit from Sale of Investments 83 215 159.04 796 931 16.96

Profit from Exchange Transactions 83 174 109.64 711 686 -3.52

Recovery In W/o accounts 168 121 -27.98 760 363 -52.24

Other Non Interest Income 172 204 18.60 599 642 7.35

Total Non Interest Income 914 1,122 22.76 4,292 4,233 -1.37

(`. in Crores)

Profitability

23



Variation

1. Total Income 11,274 12,260 8.75 42,202 47,663 12.94

a. Interest Income 10,360 11,138 7.51 37,910 43,430 14.56

b. Non Interest Income 914 1,122 22.76 4,292 4,233 -1.37

2. Total Expenditure 9,278 10,833 16.76 33,779 40,175 18.93

a. Interest expended 7,313 8,291 13.37 27,079 32,086 18.49

b. Operating Expenses 1,965 2,542 29.36 6,700 8,089 20.73

3. Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10

4. Net Profit 558 -56 -110.04 2,729 1,709 -37.38

(`. in Crores)

Provisions

24



Variation

Operating Profit 1,996 1,427 -28.51 8,423 7,488 -11.10

Provisions

Provisions for Taxation -109 -773 609.17 816 86 -89.46

Prov. For B&D 1,135 2,240 97.36 3,970 5227 31.66

Prov. For Standard Assets 63 94 49.21 423 409 -3.31

Prov. For Depreciation on Investment 163 0 -100.00 73 -50 -168.49

NPV Provisions/ Other Provisions 187 -78 -141.71 412 107 -74.03

Total Provisions 1,439 1,483 3.06 5,694 5,779 1.49

Net Profit 558 -56 -110.04 2,729 1,709 -37.38

(`. in Crores)

Mar. 14 Mar. 15

Particulars Indian Foreign Global Indian Foreign Global

Cost of Deposits 7.13 0.97 5.62 7.26 0.83 5.70

Cost of Funds 6.43 1.66 5.14 6.72 1.45 5.27

Yield on Advances 11.24 2.59 8.45 11.06 2.65 8.36

Yield on Investments 8.34 3.98 8.12 8.29 3.56 8.08

Yield on Funds 8.86 2.70 7.19 8.85 2.61 7.13

Interest Spread 2.43 1.04 2.05 2.13 1.16 1.86

NIM 2.85 1.12 2.34 2.49 1.24 2.11

Cost to Income Ratio 47.04 25.52 44.30 58.13 18.85 51.93

Return on Assets (ROA) 0.53 0.47 0.51 0.12 0.69 0.27

Return on Equity 11.73 6.70

Book Value Per Share (Rs.) 381.69 398.02

Earning Per Share (Rs.) 44.74 26.57

NKey Financial Ratios FY15

25

Particulars Mar 14 Jun 14 Sept. 14 Dec.14 Mar 15

Capital Adequacy - Basel III

CET1 Capital 23,771 23,902 24,023 24,103 26,091

AT1 Capital 1,389 1,435 3,948 3,914 3,618

Tier I Capital 25,160 25,337 27,971 28,017 29,709

Tier II Capital 9,499 9,567 10,507 10,501 9,289

Total Capital 34,659 34,904 38,478 38,518 38,998

Total Assets 573,190 597,504 606,210 614,961 618,698

Risk Weighted Assets 347,702 349,682 350,743 360,705 363,523

CRAR – CET1 (%) 6.84 6.84 6.85 6.68 7.18

CRAR – AT1 (%) 0.40 0.41 1.13 1.09 1.00

CRAR – Tier I (%) 7.23 7.25 7.97 7.77 8.17

CRAR - Tier II (%) 2.74 2.73 3.00 2.91 2.56

Capital Adequacy Basel III (%) 9.97 9.98 10.97 10.68 10.73

Capital Adequacy – Basel-III

26

(`. in Crores)

Q4FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

182.5

187.59189.73

193.38 191.91

Business Per branch (`. in Crores)

Productivity

27


19.63 19.7519.97

20.4020.69

Business Per employee


1,766 1,771 1,846 1,865 1,891

1,258 1,273 1,302 1,305 1,317

789 792 811 814 821 833 839 849 851 863

4,646 4,675 4,808 4,835 4,892

Semi-urban Urban Metro Column2


16,924 17,640

22,124 24,016

27,379

Multiple Delivery Channels

Branch Expansion

Debit Card (‘000)

ATM Roll-Out


4,225 5,032

5,747 6,169

6,771

28

Multiple Delivery Channels (cont’d)

Internet Retail (‘000)

Mobile Banking Users

Internet Corporate

29FY Mar-14 Upto Sep-14 Upto Dec-14 FY Mar-15

55

195

310

412 e-Galleries


2,397 2,503 2,706 2,832

2,985


52,353 54,333

56,385 58,315

60,471


158,922

162,536 162,579

165,387 165,547

FY14 Q1FY15 Q2FY15 Q3FY15 Q4FY15

2328

33

43

53

Financial Inclusion

30


1,213

1,889 2,613

3,419

4,345 BC Channel Transactions

FY14 Q1FY15 Q2FY15 Q3FY15 FY15

1766 17711846 1865 1885

Rural Branches


14,060 14,665

16,334

22,579 22,824

Unbanked Villages Covered


57,676 61,900

67,905 72,987

82,916


5162 5400 5683

65247060

FLCs – No. Of outdoor activities undertakenRSETI – No. of Candidates Trained No. of A/cs through BC Channel(in lacs)

(Amt in cr.)

Central Govt./State Govt.

64.43%

Mutual Funds/UTI0.95%

Financial Institu-tions/Banks0.30%

Insurance Companies

17.15%

FII & Other Foreign Holding8.74%

Bodies Corporate2.03%

Individuals6.40%

31st March, 2015

Shareholding Pattern

31

Financial Inclusion & Payment System Award by Elets Media at New Delhi at the hands of Minister of Rural Development.

Bank has received Skoch award 2013 for IT innovation.

Bank received the Award CIO100 2014 for the product Startoken NG.

Bank received IBA Award for “Best Financial Inclusion Technology Initiative” from IDRBT.

Awards & Recognition

32

Bank received Skoch Group Financial Inclusion Deepening Award

Bank received “PMJDY Excellence Award” from Honorable Union Minister

Bank received “Best MSME Bank” and “Best Bank for Operational Performance” awards.

Bank received “Outlook Money Award” for “Best Home Loan Provider” under Runner up category.

Bank won IT excellence award by ETNOW and VMWare for effectively implementing Virtualization in the Bank.

Bank received “Best HR Technology award, 2014” from Banking Frontiers at Mumbai.

THANK YOU!

33

Documents

Performance Highlights Q4 FY15. 2 STATUATORY CENTRAL AUDITORS 1.M/S. ISSAC & SURESH 2.M/S. M.M. NISSIM & CO. 3.M/S. D.SINGH & CO. 4.M/S. J.K. KAPUR &