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Performance Highlights for the quarter ended 31 st Dec 2009 Presentation by P.R.Karanth ,

Performance Highlights for the quarter ended 31 st Dec 2009 Presentation by P.R.Karanth , General Manager. At the Analyst Meet held on 28.01.2010 at Mumbai. Increase by: 128 61 [12M] [9M].

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Performance Highlights for the quarter ended 31 st Dec 2009 Presentation by P.R.Karanth ,

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  1. Performance Highlights for the quarter ended 31st Dec 2009 Presentation by P.R.Karanth, General Manager At the Analyst Meet held on 28.01.2010 at Mumbai

  2. Increase by: 128 61 [12M] [9M] The Bank has 2 representative offices at Dubai & HongKong

  3. Branch Network Punjab Chgrh 28 / 25 1 / 1 Delhi: 59 95 3 /3 Assam 1/ 1 Sikkim 1 / 1 Haryana 34 / 32 52 69 15 16 3 /5 4 / 4 51 57 24 27 29/34 9 10 Branches: 1094 EC: 3 Online ATMs: 1057 Covering 24 States & 2 UT Meghalaya 1 / 1 114 107 Goa: 42 24 106 75 314 291 P’chery 2 / 1 122 104 Kerala: 65 46 A Premier Public Sector Bank

  4. Rs. in Crore Business Parameters

  5. Total Business Total business growth y-o-y Rs.34,290 crore Total business growth y-o-y 32.10% [Rs.in crore]

  6. Gross and Net Profit [Rs.in crore] Net Profit grew by 35.69% to Rs.857.92 crores

  7. Gross NPA stood at 1.32% as against 1.24% in Dec ‘2008 • Net NPA stood at 0.45% as against 0.33% as on Dec ‘2008 • Cash Recovery (including upgradation) amounted to Rs.216.99 crore as against Rs.193.44 crore during corresponding previous 9 months period

  8. (Rs.in crore)

  9. (Rs.in crore)

  10. (Rs.in crs)

  11. (Rs.in crs) Interest Spread

  12. (Rs.in crs)

  13. Bank is well capitalised [Rs.in crore] • CRAR under BASEL I requirement is 15.48% of which Tier-I is 9.32% and Tier II is 6.16 %. • CRAR under BASEL II requirement is 17.24% of which Tier-I is 10.38% and Tier II is 6.86%. • Bank has raised Rs.2,050 crore bonds to augment capital requirement of which Rs. 1,550 crore is upper Tier II bonds and Rs.500 crore is Tier I Bonds during 2009-10.

  14. Quarterly Comparison (sequential)

  15. [Rs. In Crores]

  16. RESOURCES

  17. Aggregate Deposits growth 36.38% (y-o-y) • Average Deposits growth 31.33% (y-o-y) • Cost of Deposit decreased from 6.91% in Dec’08 & 7.02% in Mar’09 to 6.16% [Rs. In crore] A Premier Public Sector Bank

  18. [Rs.in crore] A Premier Public Sector Bank

  19. [Rs.in crore] A Premier Public Sector Bank

  20. Focusing on Top Potential 200 Branches to augment their CASA deposits • Continuously supporting the newly opened Branches to tap the market potential of the new areas. •   Utilizing the Overseas Representative Offices to expand the NRI Clientele. • Strengthening of Retail Sales Units for reaching out to new customers and thereby increasing the business generation capability. •    Installation of POS machines in large numbers to scale up CA Portfolio.

  21. CREDIT A Premier Public Sector Bank

  22. Aggregate Advances growth 26.20% (y-o-y) • Yield on Advances has decreased from 10.83% to 10.22% on y-o-y basis [Rs. In crore] A Premier Public Sector Bank

  23. Average Credit (Rs.in Crs)

  24. CD Ratio

  25. Yield on Advances

  26. Credit Growth [y-o-y] [Rs. In Crs]

  27. Credit Growth -Dec’2009 [Rs. In Crs]

  28. SECTORAL DEPLOYMENT OF CREDIT [Rs. In Crs]

  29. Industrial Credit deployment Rs. In Crs.

  30. Exposure to Sensitive Sector [Rs. In Crs] * Comm Real Estate (as per revised definition)

  31. Export Credit Rs. In Crs

  32. SME ADVANCES

  33. SME ADVANCES [Rs. in crores] 41

  34. Industry-wise Credit Exposure – Dec’09 Rs. In Crs 42

  35. PRIORITY SECTOR [Rs. in crore] 43

  36. RETAIL LENDING PORTFOLIO 44

  37. RETAIL LENDING PORTFOLIO 45

  38. TREASURY A Premier Public Sector Bank

  39. Investment growth (Y-O-Y) Rs.12,559 crores • Yield on Investments stood at 6.76% [Rs. In crore] A Premier Public Sector Bank

  40. A Premier Public Sector Bank

  41. [Rs. in crore] G-sec in HTM & AFS [Rs. in crore] A Premier Public Sector Bank

  42. A Premier Public Sector Bank

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