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PERFORMANCE HIGHLIGHTS MARCH 2013

PERFORMANCE HIGHLIGHTS MARCH 2013. HIGHLIGHTS – FY13. Global Deposits - ` 355856 crore, SEQ growth 10% Advances (Net) - ` 242177 crore, SEQ growth 11% Capital Adequacy Ratio - 12.40%. Tier I Ratio - 9.77%. CASA Ratio at 25.12% , same level as last year Net Profit - ` 2872 crore

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PERFORMANCE HIGHLIGHTS MARCH 2013

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  1. PERFORMANCE HIGHLIGHTS MARCH 2013

  2. HIGHLIGHTS – FY13 • Global Deposits - `355856 crore, SEQ growth 10% • Advances (Net) - `242177 crore, SEQ growth 11% • Capital Adequacy Ratio - 12.40%. Tier I Ratio - 9.77%. • CASA Ratio at 25.12% , same level as last year • Net Profit - ` 2872 crore • Net Interest Margin (NIM) - 2.39% • Note:SEQ- Sequential Quarter – Q4FY13 over Q3FY13 Major Highlights

  3. HIGHLIGHTS – FY13 • Return on Assets (RoA) - 0.77% • Gross NPA Ratio - 2.57%, down from 2.77% at Dec’12 • Net NPA Ratio -2.18%, down from 2.35% at Dec’12 • Record Cash Recovery at `4006 crore for FY13 compared to `3296 crore for FY12. • 128 New Branches and 668 ATMs added during the year. Major Highlights

  4. PERFORMANCE HIGHLIGHTS- BUSINESS Amt. in ` Crore

  5. PERFORMANCE HIGHLIGHTS- OVERSEAS BUSINESS

  6. PERFORMANCE HIGHLIGHTS- PROFITABILITY Amt. in ` Crore

  7. PERFORMANCE HIGHLIGHTS- PRODUCTIVITY RATIOS

  8. PERFORMANCE HIGHLIGHTS- BUSINESS PER EMPLOYEE

  9. PERFORMANCE HIGHLIGHTS- EXPANDING THE REACH 3723 Branches across Population Groups in India 5 overseas branches at London, Leicester, Shanghai, Manama & Hong Kong

  10. BUSINESS SEGMENTS

  11. SEGMENT WISE DEPOSITS Amt. in ` Crore

  12. HIGH COST DEPOSITS

  13. LOANS & ADVANCES SEGMENT Amt. in ` Crore

  14. ACHIEVEMENT UNDER MANDATED TARGETS – PRIORITY SECTOR Mandated Targets under Priority Sector • Achieved the mandated targets in respect of • Agriculture (18.22% against 18% norm) • Direct agriculture (16.97% against 13.5% norm) • Credit to specified minority communities (18.19% against 15% norm) • Weaker Section (11.73% against 10% norm) • Women Beneficiaries (13.96% against 5% norm)

  15. Performance of Retail Advances Amt. in ` Crore

  16. EXPOSURE - INFRASTRUCTURE Amt. in ` Crore

  17. EXPOSURE - POWER SECTOR Amt. in ` Crore

  18. EXPOSURE TO SENSITIVE SECTORS Amt. in ` Crore

  19. FINANCIALS

  20. PROFITABILITY Amt. in ` Crore

  21. PROFIT Amt. in ` Crore

  22. BREAK-UP : INCOME Amt. in ` Crore

  23. BREAK-UP: NON-INTEREST INCOME Amt. in ` Crore

  24. BREAK-UP : EXPENDITURE Amt. in ` Crore

  25. PROVISIONS Amt. in ` Crore

  26. MAJOR COMPONENTS OF INCOME March 2012 March 2013

  27. EARNINGS PROFILE In %

  28. TREND IN COST AND YIELD (%) In %

  29. Investment classification Amt. in ` Crore

  30. ASSET QUALITY

  31. ASSET QUALITY Amt. in ` Crore Cash Recovery of over `4000 crore during the year

  32. GROSS NPA MOVEMENT- Quarterly Amt. in ` Crore

  33. NPA COMPOSITION Amt. in ` Crore

  34. SECTOR-WISE NPA SLIPPAGES Amt. in ` Crore

  35. SECTOR- WISE NPA OUTSTANDING Amt. in ` Crore

  36. SECTOR – WISE NPA OUTSTANDING Amt. in ` Crore

  37. OUTSTANDING NPA -PRIORITY SECTOR Amt. in ` Crore

  38. NPA OUTSTANDING - RETAIL CREDIT Amt. in ` Crore

  39. SECTORAL CONTRIBUTION OF NPA Amt. in ` Crore

  40. RESTRUCTURED ASSETS Amt. in ` Crore

  41. RESTRUCTURED ASSETS Amt. in ` Crore

  42. RESTRUCTURED ASSETS UNDER CDR Amt. in ` Crore

  43. SECTOR – WISE RESTRUCTURED ACCOUNTS Amt. in ` Crore

  44. SECTOR – WISE RESTRUCTURED ACCOUNTS Amt. in ` Crore

  45. AMOUNT RESTRUCTURED DURING Q4 FY13 Amt. in ` Crore

  46. SECTOR WISE RESTRUCTURED ADVANCES OUTSTANDING AS AT MARCH 2013 Amt. in ` Crore

  47. CAPITAL ADEQUACY – BASEL II Capital Adequacy Ratio • CRAR of 12.40% at March 2013 • Tier I ratio at 9.77% • Tier II ratio at 2.63% • Govt. holding at 67.7% • Paid-up Capital at `443 crore Capital Adequacy, with sufficient headroom for raising further capital

  48. CAPITAL ADEQUACY – BASEL II Total CRAR % 13.22% 13.07% 12.64% 12.40% 13.76%

  49. SHAREHOLDING PATTERN As on March 31, 2013

  50. FINANCIAL INCLUSION • Covered all the allotted 1624 villages (spread across 24 States) with population above 2000 for providing banking facilities. • Bank is allotted 5867 villages (465 villages with 1600-2000 population, 1324 villages with 1000-1599 population and 4078 villages with less than 1000 population) & 150 Wards in urban centres, for providing Banking services during the next three years. • Already covered 1255 villages in the less than 2000 Population category. • Under Direct Benefit Transfer (DBT), 2.71 lakhs new accounts in 43 districts opened and 3.62 lakhs accounts have been seeded with Aadhaar number. Holistic Approach to Financial Inclusion

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