1. Performance Highlights Q4 FY15

2. 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. 3 INDEX ITEMSLIDE NO. Results at a glance 4 Business, CASA, Market share, 5 - 7 Domestic Credit: Key Sectors, Retail & Priority Sector 8-12 Restructured Assets13-15 Asset Quality (NPA) & Sale of Assets to ARCs16-19 Investments20 Profit & Loss Parameters21-24 Key Ratios25 Capital Adequacy26 Business per Employee/Branch27 Multiple Delivery Channels28-29 Financial Inclusion30 Shareholding pattern31 Awards32

4. Results at a Glance – March, 2015 4 FY15 ParameterRs. Crore YoY Growth% Total Business943,63310.60% Total Deposits531,90711.52% Total Advances411,7269.44% CASA deposits114,3868.46% Priority Sector Advances 94,5729.76% MSME Advances54,40620.68% Retail Advances34,15315.38% Ratios for FY15 Parameter(in %) Gross NPA5.39% Net NPA3.36% Provision Coverage Ratio 52.40% Capital Adequacy Ratio (Basel-III) 10.73% Return on Assets0.27% NIM Global Domestic 2.11% 2.49%

5. Business Mix (Deposits + Advances) Mar 14Jun14Sept 14 Dec 14 Mar 15 Y-O-Y Growth % Global Business 853,202882,441 917,720940,623943,633 10.60 Domestic 627,850643,328 656,923672,225687,515 9.50 Foreign 225,352239,113 260,797268,398256,118 13.65 Global Deposits 476,974500,875 518,432530,213531,907 11.52 Domestic 363,590381,454 388,377396,122398,000 9.46 Foreign 113,384119,421 130,055134,091133,907 18.10 Global Advances 376,228381,566 399,288410,410411,726 9.44 Domestic 264,260261,874 268,546276,103289,515 9.56 Foreign 111,968119,692 130,742134,307122,211 9.15 Business Growth ( `.in Crores) 5

6. Savings Deposit YoY Growth: 10.62% Savings Deposit YoY Growth: 10.62% Current Deposit YoY Growth: -1.82% Current Deposit YoY Growth: -1.82% CASA YoY Growth: 8.46% CASA YoY Growth: 8.46% CASA Profile 6 ( `. in Crores) CASA Ratio: 29.48% CASA Ratio: 29.48% CONSISTENT FOCUS ON CASA

7. Market Share 7

8. Key Sectors – Domestic Credit IndustryMar 14Jun 14Sept. 14Dec. 14 Mar. 15 Y-O-Y Growth % % to Domestic Credit Mar14 Mar.15 Agriculture 36,07134,80137,99439,06340,49512.2613.6513.99 MSME (Priority & Non- Priority) 45,08145,28248,39151,98954,40620.6817.0618.79 Retail 29,60027,82429,65431,29034,15315.3811.2011.80 Corporate & Others 153,508153,967152,507153,761160,4614.5358.0955.42 Total 264,260261,874268,546276,103289,5159.56100.00 (` in Crores) 8 STRATEGIC SHIFT IN COMPOSITION

9. ParticularsMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % %age to Domestic Credit Mar-14 Mar-15 Home Loan13,08113,90214,91315,82116,664 27.394.955.76 Mortgage Loan 2,9713,1103,4243,7094,144 39.481.121.43 Auto Loan2,3512,3982,4752,6572,733 16.250.890.94 Education Loan 2,6522,7122,8552,8832,918 10.031.001.01 Personal Loan 9279609971,0311,085 17.040.350.37 Others7,6184,7424,9905,1896,609 -13.242.882.28 Total 29,60027,82429,65431,29034,153 15.3811.2011.80 ( ` in Crores) Retail Credit 9

10. IndustryMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % % to ANBC Agriculture* 40,21138,94142,13443,20343,1837.3916.07 MSE 35,50435,71337,18538,18139,82212.16 Housing Loan 7,5177,5357,7317,9508,37411.40 Educational Loan 2,5982,6552,7972,8312,87210.59 Others 331328329332321-3.02 Total Priority Sector Advances 86,16185,17290,17692,49794,5729.7635.20 ( `. in Crores) Priority Sectors 10 * Including RIDF

11. ParticularsMar 14Jun 14Sept. 14 Dec. 14 Mar. 15 Y-O-Y Growth % % to Domestic Advances Mar-14 Mar-15 Textiles 9,7169,4149,5459,78610,0073.003.683.46 Chemicals & Chemical products 6,7727,7735,8036,1046,187-8.642.562.14 Rubber, Plastic & their products 2,7262,6202,6042,6702,716-0.371.030.94 Basic metal & metal products 12,95312,35113,00913,22013,3663.194.904.62 Vehicles, vehicle parts & Transport equipment 2,0212,1562,0832,1822,57527.410.760.89 Gems & Jewellery 5,6655,8866,5326,5446,34812.062.142.19 Construction 1,8221,7422,0232,1501,547-15.090.690.53 Infrastructure 42,35843,53944,13646,26949,01615.7216.0316.93 Other Industries 29,00129,68228,77529,81532,30211.3810.9711.16 Total 113,034115,163114,511118,740124,0649.7642.7742.85 (`. in Crores) Key Sectors - Domestic Credit- Industry 11

12. ParticularsMar 14Jun 14Sept. 14 Dec. 14Mar 15 Power26,84728,17229,07230,83633,386 - SEBs11,35511,87812,79713,63515,071 - Others15,54116,29416,27517,20118,315 Roads and ports9,68610,40910,15810,51410,751 Telecom1,1961,2151,1111,050927 Other Infrastructure 4,6293,7433,7953,8693,952 Total42,35843,53944,13646,26949,016 ( `. in Crores) Advances to Infrastructure Sectors 12 SEB EXPOSURE BACKED UP GOVT. GUARANTEE

13. Period Amount Restructured FY 10-112,375 FY 11-126,014 FY 12-138,469 FY 13-145,761 FY 2014-15 (Q4 : Rs.2,743 crore) 6,735 TOTAL RESTRUCTURED PORTFOLIO (DOMESTIC) 28,235 Of Which a) Standard20,180 b) NPA8,055 (`. in Crores) Restructured Assets (Domestic) 13 Out of Total Domestic Restructured Portfolio (as per RBI Guidelines): Rs.15,598 crore

14. Standard Restructured Advances Mar 14Jun 14Sept. 14Dec.14Mar 15 CDR Restructuring 642758165,6955,7474,992 Domestic 6,2885,6775,5535,4734,693 Foreign 139 142274299 Other Restructuring 14,32815,18016,25916,08916,826 Domestic 12,58213,92314,44214,77715,487 Foreign 17461,2571,8171,3121,339 Total 20,75520,99721,95421,83621,828 Domestic 18,87019,60019,99520,25020,180 Foreign 1,8851,3971,9591,5861,638 (`. in Crores) Standard Restructured Advances 14

15. ( `. in Crores) Sector wise breakup of Standard Restructured Advances(Domestic) 15 SNOSectorMarch 2014March 2015 1INFRA 7,3208,829 INFRA-POWER 4,5005,750 INFRA-TELECOM 960430 INFRA-RAODS & PORTS 1,4111,636 INFRA-OTHERS 4481,013 2AVIATION 2,1642,364 3ENGG 6221,175 4STEEL 906922 5MISC 979783 6TEXTILES 957873 7PHARMA 219555 8SUGAR 706593 9SERVICE-TRANSPORT RELATED 329335 10FOOD PROCESSING 302260 11CEMENT 107218 12SERVICES 161270 13SERVICES-TRADE 127213 14OTHER METAL 152174 15EDUCATION 258242 16AUTOMOBILES 370163 17HOTELS 867165 18RUBBER & PLASTIC 166108 19PAPER 128163 20AGRICULTURE 219122 21CHEMICALS 187117 22CERAMICS 21848 23CRE 34340 24LEATHER 2615 25GEMS & JEWELLARY 549 26CPMPUTER/IT RELATED 549 27 BELOW 1 CR 9311,414 TOTAL 18,870 20,180

16. Sale of Assets to ARCs 16 (`. in Crores) FY 13-14FY 14-15 FY14Q1Q2Q3Q4FY15 Net Outstanding of Accounts sold4,7431,7641321129362,844 Of which, Prudential written off (PWO) Accounts sold 2,3047589-77241 Existing Gross NPAs sold1,37558043128591,575 Fresh Slippages / SMA-21,064889---1,028

17. Mar-14June-14Sept.-14 Dec.-14Mar-15 Gross NPA11,86812,53214,12716,69422,193 Net NPA7,4178,0429,10110,06113,518 Gross NPA %3.153.283.544.075.39 Net NPA %2.002.142.322.503.36 Provision Coverage Ratio % 58.6858.1056.3256.6252.40 Asset Quality 17 (`. in Crores)

18. Movement of NPA 18 FY Mar 2013FY Mar 2014FY Mar 2015 IndianForeignTotalIndianForeignTotalIndianForeignTotal Opening Balance 5,1707245,8947,1521,6138,76510,2741,59411,869 Less : 1,197481,2453,043233,0662,2814072,688 Cash Recovery Upgradation 721387597761629382,1722092,381 Write Off 2,41322,4151,1426241,7668010 Total reduction 4,332884,4204,9628095,7705,2546165,870 Less URI 771188-49-14-634570 Add : Slippages 6,3919887,3798,0357768,81115,68296916,651 Closing Balance 7,1521,6138,76510,2741,59411,86920,2451,94822,193

19. SectorMar 14Jun-14Sept. 14Dec. 14Mar. 15 % to Sectoral Advances Mar 14 Mar 15 Agriculture 6636969111,0201,3151.842.95 Industry 7,0947,5718,4499,84714,0516.287.26 Services 2,3182,6872,9113,4474,1962.713.03 Retail 1992063263656830.671.09 Total 10,27411,16012,59714,67920,2453.894.54 (`. in Crores) Sector wise NPA 19 Domestic SectorMar 14Jun-14Sept. 14Dec.14Mar.15 % to sectoral Advances Mar 14 Mar 15 Trade 3133194644114803.821.85 Manufacturing 4342823625054744.145.71 Real Estate 22723623221021115.7312.06 Others 6205354728897830.670.91 Total 1,5941,3721,5302,0151,9481.421.59 Overseas (`. in Crores)

20. Mar 14Mar. 15 AFSHTMHFTTotalAFSHTMHFTTotal 1. SLR Investments 15,47081,1392096,62910,95890,958-101,917 Of Which: Government Securities 15,47080,9832096,47310,59890,802-101,760 Other Approved Securities -156- - - M Duration 3.514.936.224.693.994.78-4.70 2. Non SLR Investments 11,7441,217-12,96112,6701,491-14,162 M Duration 3.164.62-3.204.330.32-4.23 Total 27,21482,35620109,59023,62992,450-116,078 ( `. in Crores) Investments (Domestic) 20

21. Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Interest Income10,36011,1387.5137,91043,43014.56 a. From Advances7,2818,03510.3627,11931,67816.81 b. From Investments2,1852,3758.708,4059,40011.84 c. Other Interest Income894728-18.572,3862,352-1.42 Interest Expended7,3138,29113.3727,07932,08618.49 a. On Deposits6,3207,51718.9423,77528,92121.64 b. On Borrowings775508-34.452,5342,226-12.15 c. Subordinated Bonds & others 21826622.0277093921.95 Net Interest Income3,0472,847-6.5610,83111,3444.74 (`. in Crores) Net Interest Income 21

22. Non Interest Income 22 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Commission, Exchange & Brokerage 408 0.231,4261,61012.90 Profit from Sale of Investments 83215159.0479693116.96 Profit from Exchange Transactions 83174109.64711686-3.52 Recovery In W/o accounts 168121-27.98760363-52.24 Other Non Interest Income 17220418.605996427.35 Total Non Interest Income 9141,12222.764,2924,233-1.37 (`. in Crores)

23. Profitability 23 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation 1. Total Income 11,27412,2608.7542,20247,66312.94 a. Interest Income 10,36011,1387.5137,91043,43014.56 b. Non Interest Income 9141,122 22.76 4,2924,233 -1.37 2. Total Expenditure 9,27810,83316.7633,77940,17518.93 a. Interest expended 7,3138,29113.3727,07932,08618.49 b. Operating Expenses 1,9652,54229.366,7008,08920.73 3. Operating Profit 1,9961,427 -28.51 8,4237,488 -11.10 4. Net Profit 558-56-110.042,7291,709-37.38 (`. in Crores)

24. Provisions 24 Quarter endedYear ended Particulars Mar 14Mar 15 Y-O-Y% Variation Mar 14Mar 15 Y-O-Y% Variation Operating Profit 1,9961,427-28.518,4237,488-11.10 Provisions Provisions for Taxation -109-773609.1781686-89.46 Prov. For B&D 1,1352,24097.363,970522731.66 Prov. For Standard Assets 639449.21423409-3.31 Prov. For Depreciation on Investment 1630-100.0073-50-168.49 NPV Provisions/ Other Provisions 187-78-141.71412107-74.03 Total Provisions 1,4391,4833.065,6945,7791.49 Net Profit 558-56-110.042,7291,709-37.38 (`. in Crores)

25. Mar. 14Mar. 15 ParticularsIndianForeignGlobalIndianForeignGlobal Cost of Deposits 7.130.975.627.260.835.70 Cost of Funds 6.431.665.146.721.455.27 Yield on Advances 11.242.598.4511.062.658.36 Yield on Investments 8.343.988.128.293.568.08 Yield on Funds 8.862.707.198.852.617.13 Interest Spread 2.431.042.052.131.161.86 NIM 2.851.122.342.491.242.11 Cost to Income Ratio 47.0425.5244.3058.1318.8551.93 Return on Assets (ROA) 0.530.470.510.120.690.27 Return on Equity 11.736.70 Book Value Per Share (Rs.) 381.69398.02 Earning Per Share (Rs.) 44.7426.57 N Key Financial Ratios FY 15 25

26. ParticularsMar 14Jun 14Sept. 14Dec.14Mar 15 Capital Adequacy - Basel III CET1 Capital23,77123,90224,02324,10326,091 AT1 Capital1,3891,4353,9483,9143,618 Tier I Capital25,16025,33727,97128,01729,709 Tier II Capital9,4999,56710,50710,5019,289 Total Capital34,65934,90438,47838,51838,998 Total Assets573,190597,504606,210614,961618,698 Risk Weighted Assets347,702349,682350,743360,705363,523 CRAR – CET1 (%)6.84 6.856.687.18 CRAR – AT1 (%)0.400.411.131.091.00 CRAR – Tier I (%)7.237.257.977.778.17 CRAR - Tier II (%)2.742.733.002.912.56 Capital Adequacy Basel III (%)9.979.9810.9710.6810.73 Capital Adequacy – Basel-III 26 (`. in Crores)

27. Productivity 27

28. Multiple Delivery Channels Branch Expansion Debit Card (‘000) ATM Roll-Out 28

29. Multiple Delivery Channels (cont’d) Internet Retail (‘000) Mobile Banking Users Internet Corporate 29 e-Galleries

30. Financial Inclusion 30 FLCs – No. Of outdoor activities undertaken RSETI – No. of Candidates TrainedNo. of A/cs through BC Channel (in lacs) (Amt in cr.)

31. 31 st March, 2015 Shareholding Pattern 31

32. 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.

33. THANK YOU! 33