1. Relationship beyond banking 1

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4. Awards & AccoladesAwards & Accolades 4

5. Relationship beyond banking Awards & AccoladesAwards & Accolades 5

6. Relationship beyond banking New IntiativesNew Intiatives 6

7. Relationship beyond banking New Intiatives (Contd)New Intiatives (Contd) 7

8. Relationship beyond banking IT / ITES IntiativesIT / ITES Intiatives 8

9. Relationship beyond banking Investor Profile- Shareholding Pattern (%)Investor Profile- Shareholding Pattern (%) 9

10. Relationship beyond banking Global Footprints – Foreign Branches of the BankGlobal Footprints – Foreign Branches of the Bank Japan (Tokyo & Osaka) Phnom Penh Singapore Jakarta Ho Chi Minh Hong Kong Kowloon Shenzen Jo’burgh (SA) Kenya (Nairobi, Mombasa, Ind Area & Westlands) Europe -France (Paris) -Belgium (Antwerp) UK (London + 7branches) Channel Islands USA (New York & SFO) West Indies - Cayman Islands Tanzania (Subsidiary), Dubai 10 New Zealand

11. Relationship beyond banking Credit Rating - International & DomesticCredit Rating - International & Domestic 11

12. Relationship beyond banking 12 Sep-10Dec-10Mar -11Jun -11Sep-11 Business Mix4,254,4794,452,7955,150,4015,080,3395,160,250 Deposits2,410,7112,525,2572,988,8582,930,9842,990,741 Advances1,843,7681,927,5382,161,5432,149,3552,169,509 Operating Profit13,79613,88812,05313,95915,515 Net Profit6,1686,5324,9365,1754,911 NIM (%)2.813.092.942.192.44 Gross NPA (%)2.642.362.232.693.02 Net NPA (%)1.140.880.911.271.98 Return on Assets(%) 0.870.890.610.590.56 Rtn. on Equity (%)18.2918.5013.1913.1312.07 Book Value (`) 262.36274.78283.24292.90301.87 Major Business ParametersMajor Business Parameters

13. Relationship beyond banking Deposits 13

14. Relationship beyond banking Domestic Deposits (CASA) 14

15. Relationship beyond banking Domestic Deposits – Category-wise 15

16. Relationship beyond banking Gross Advances 16

17. Relationship beyond banking Domestic Advances – Category Wise as on 30.09.2011 17

18. Relationship beyond banking Key Sectors(Domestic Credits) Sep-10Sep—11% Y-o-Y Growth Agriculture193,020196,410 1.76 SME (Priority & Non Priority) 272,530252,140 -7.48 Retail Credit153,270163,950 6.97 Corporate827,790966,140 16.71 18

19. Relationship beyond banking Advances to Sensitive Sectors - Domestic 19 SECTOR SEP-10DEC-10MAR-11JUN-11Sep-11 % of Total Advances Total Advances 1,446,9631,509,0301,651,472 1,611,2301,578,634 REAL ESTATE 177,350 194,974203,623 203,490205,01512.99 Out of which  HOUSING LOAN 74,49075,61074,783 78,40179,4665.30  MORTGAGE LOAN 15,77015,19014,950 19,84317,3721.10  COMML. REAL ESTATE 47,01047,01340,546 38,17037,2972.36  Others(Invest & Indirect) 40,80058,54073,344 22,80370,8804.49  CAPITAL MARKET 30,60033,04432,451 34,92033,8962.15

20. Relationship beyond banking DomesticForeignGlobal > 10 Mn< 10 MnTotal AmountAmount As on 31.03.201178,67315,45194,12412,322106,446 Additions during Q19,0001599,1591689,327 Less Repayment in Restructured a/c s / Exchange fluctuation -3879-800-4679-79-4758 As on 30.06.201183,79414,81098,60412,411111,015 Additions during Q24,3964554,8512,8667,717 Less Repayment in Restructured a/c s / Exchange fluctuation -6,320-765-7,085-495-7580 As on 30.09.201181,87014,50096,37014,782111,152 RESTRUCTURED ACCOUNTS Includes all facilities of the borrowers 20

21. Relationship beyond banking MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 21 DomesticForeignGlobal % of Total Restructured A/cs > 10 Mn< 10MnTotal Amount Amount As on 31.03.201116,8851,25318,138- 17.04 Additions during Q13,5917504,341- Less Repayment in Restructured a/c s /Exchange fluctuation -954-62-1,016- As on 30.06.201121,4301,94123,371- 21.04 Additions during Q232712143,4858744,359 Less Repayment in Restructured a/c s / Exchange fluctuation 1,044151,059- As on 30.09.201123,6572,14025,79787426,67123.20 21

22. Relationship beyond banking NPA Movement Half Year Ended Sep-10Sep-11 IndianForeignGlobalIndianForeignGlobal Opening Gross NPA 44,8124,01448,826 43,5664,55048,116 Total Reduction 13,12247913,60125,30017025,470 Recovery 4,1391274,2665,195905,285 Upgradation 3,221223,2432,7260 Write-off 5,7623306,09217,3808017,460 Slippages 13,43093414,36442,2292,82545,054 Net Addition/Reduction -308-455-763-16,929-2,655-19,584 Gross NPA 45,1204,46949,58960,4947,20567,699 Less Unrealised Interest on NPA 88948932,21082,218 Closing Gross NPA 44,2314,46548,696 58,2847,19765,481 22

23. Relationship beyond banking Sep-10Sep-11 IndianForeignGlobal IndianForeignGlobal Gross NPA 44,2324,46448,696 58,2837,19765,480 Total Nettable Credits 26,4862,91429,400 18,7074,32823,035 NPA Provision 18,7682,89921,667 12,4504,26616,716 Other credits 7,718157,733 6,257626,319 Net NPA 19,1391,56520,704 39,5762,86942,445 Gross NPA Ratio (%) 3.061.132.64 3.691.223.02 Net NPA Ratio (%) 1.350.401.14 2.540.491.98 Provision Coverage Ratio (%) 70.3864.9370.03 59.0660.1459.13 23 NPA Sequential Ratios

24. Relationship beyond banking Sector wise Breakup of NPA - Domestic Sep- 11 % of Total NPA % of Total Sectoral Advances Agriculture 11,96020.525.16 Industry 24,18641.503.63 Services 15,78527.082.98 Personal Loans 6,35310.904.21 DOMESTIC ( TOTAL) 58,284 100 FOREIGN 7,197 GLOBAL (TOTAL) 65,481 24

25. Relationship beyond banking Overseas NPAs Sep -10Sep- 11 TRADE2,1073,563 MANUFACTURING 155768 REAL ESTATE1,4611,424 OTHERS 7841,442 TOTAL4,5077,197 25

26. Relationship beyond banking Profit – Summary Qtr Sep 2010 Qtr Dec2010 Qtr Mar 2011 Qtr Jun 2011 Qtr. Sep 2011 Variation Y-o-Y (%) 1 Interest Earned51,55654,67563,06966,33568,86433.57% 2 Interest Expended33,79534,80639,99647,92649,82547.43% 3 Net Interest Income (1 - 2)17,76119,86923,07318,40919,0397.20% 4 Non-Interest Income 5,845 6,482 8,2316,6018,41844.02% 5 Total Operating Income (3+4)23,60626,35131,30425,01027,45716.31% 6 Operating Expenses 9,81012,46319,25111,05111,94221.73% 7 Operating Profit (5 - 6)13,79613,88812,05313,95915,51512.46% 8 Total Provision 7,628 7,356 7,1178,78410,60439.01% 9 Net Profit6,168 6,5324,9365,1754,911-20.38% 29

27. Relationship beyond banking Net Interest Income Qtr. Sep-10 Qtr. Dec-10 Qtr. Mar-11 Qtr. Jun-11 Qtr. Sep -11 Variation Y-o-Y (%) TOTAL INTEREST INCOME51,55554,67563,06966,335 68,86433.57% INT. INCOME FROM ADVANCES36,59840,23443,25245,959 48,86533.52% INT. INCOME FROM INVESTMENTS 13,07112,75014,11916,406 18,43141.01% OTHER INTEREST INCOME1,8861,6915,6983,970 1,568-16.86% TOTAL INTEREST EXPENDED33,79534,80639,99647,926 49,82547.43% INT. EXPENDED ON DEPOSITS29,16029,87935,24943,837 45,05554.51% INT. EXPENDED ON BORRROWINGS2,0652,4732,3401,517 2,0991.65% INTEREST EXPENSES ON SUBORDINATED DEBT etc.2,5702,4542,4082,470 2,6713.93% NET INTEREST INCOME17,76019,86923,07318,409 19,0397.20% 27

28. Relationship beyond banking 28 Particulars Half Year ended Variation H1-o-H1 % Sep -10Sep-11 Interest Income99,773135,19935.51% a. From Advances71,51794,82432.59% b. From Investments24,84834,83840.20% c. Other Interest Income3,4085,53762.50% Interest Expended64,60897,75151.30% a. On Deposits56,65888,89256.89% b. On Borrowings3,3163,6169.05% c. Subordinated Bonds3,0303,3299.87% d. Others1,6041,91419.33% Net Interest Income35,16537,4496.50% Net Interest Income(H1-o-H1)

29. Relationship beyond banking 29 Income Half Year ended H1-o-H1 % Sep 10Sep 11 1. Total Income 111,477150,21834.75% a. Interest Income 99,773135,19935.51% b. Non Interest Income 11,70415,01928.32% 2. Total Expenditure 83,575120,74444.47% a. Interest expended 64,60897,75151.30% b. Operating Expenses 18,96822,99321.22% 3. Operating Profit 27,90229,4755.64% 4. Profit before Tax 18,76912,260-34.68% 5. Profit After Tax 13,41910,086-24.84% Profitability (H1-o-H1)

30. Relationship beyond banking Non-interest Income Qtr Sep-10 Qtr Dec-10 Qtr Mar- 11 Qtr Jun- 11 Qtr. Sep-11 Variation Y-o-Y (%) Treasury: PROFIT FROM SALE OF SECURITIES 3605921,266 1,0971,544328.89% PROFIT FROM EXCHANGE TRANSACTIONS 1,1111,2711,334 1,4711,48333.48% Sub Total (A) 1,4711,8632,600 2,5683,027105.78% Core-banking Operations: COMMISSION / EXCHANGE / BROKERAGE 3,0072,8383,468 2,7373,2588.35% OTHER NON-INTEREST INCOME 1,0651,1241,244 9841,25718.03% Sub Total (B) 4,0723,9624,712 3,7214,51510.88% RECOVERY IN WRITTEN OFF ACCOUNTS (C) 301658919 312876191.03% TOTAL NON-INTEREST INCOME (A+B+C) 5,8456,4838,231 6,6018,41844.02% 33

31. Relationship beyond banking 31 Particulars Half Year ended Variation H1-o-H1 % Sep -10Sep-11 Commission, Exchange & Brokerage5,5055,9958.90% Profit from Sale of Investments1,3602,64194.19% Profit from Exchange Transactions2,4202,95422.07% Recovery In W/o accounts6701,18877.31% Other Non Interest Income1,7492,24128.13% Total Non Interest Income11,70415,01928.32% Core Non Interest Income Net of Treasury & Recovery in W/o Accounts 7,2548,23613.54% Non Interest Income(H1-o-H1)

32. Relationship beyond banking Cost & Yield Ratios –Quarterly Comparison 32 Qtr Sep-10Qtr Dec 10Qtr Mar 11Qtr Jun 11Qtr. Sep 11 INDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBALINDIANFOREIGNGLOBAL Cost of Deposits 5.651.304.995.611.284.976.081.155.326.871.176.017.071.246.09 Yield on Advances 10.04 3.098.4710.353.058.7810.672.828.8110.842.808.89 11.69 2.929.41 Yield on Investments 7.484.227.267.934.677.718.274.688.047.504.677.377.954.687.82 Yield on Funds8.053.427.258.293.307.438.713.217.768.583.167.619.203.228.06 Cost of Funds5.322.044.755.321.894.735.541.954.926.261.975.506.472.045.60 N.I.M.3.171.372.813.491.453.093.381.242.942.431.222.112.771.202.44

33. Relationship beyond banking 33 Sep 2010Sep 2011 IndianForeignGlobalIndianForeignGlobal Cost of Deposits5.511.294.896.971.216.05 Cost of Funds5.122.004.586.281.945.46 Yield on Advances9.972.998.4311.262.869.15 Yield on Investments7.324.217.097.734.677.60 Yield on Funds7.873.267.078.903.097.80 Interest Spread2.751.262.492.621.152.34 Net Interest Margin3.191.292.832.601.212.31 Profit Ratios(H1-o-H1)

34. Relationship beyond banking Business Ratios – Quarterly ComparisonBusiness Ratios – Quarterly Comparison Sep-10Dec-10Mar-11Jun-11Sep-11 Cost to Income Ratio41.5647.3061.5044.1943.49 Non Interest income to Operating Expenses59.5852.0142.7659.7370.49 Asset Utilization Ratio1.941.891.481.601.78 Return on Assets0.870.890.610.590.56 Return on Equity18.2918.5013.1913.1312.07 Earnings Per Share (Basic & Diluted)11.7412.449.379.478.99 Book value per share262.36274.78283.24292.90301.87 Net worth (Rs. in Mn)137,979144,511154,995160,279165,191 34

35. Relationship beyond banking Investments - DomesticInvestments - Domestic Sep-10Sep-11 AFSHTMHFTTOTALAFSHTMHFTTOTAL 1SLR INVESTMENTS 120,890452,6502,640576,180 131,659549,830-681,489 OF WHICH: GOVERNMENT SECURITIES 119,460 450,4102,640 572,510 129,933548,510-678,443 OTHER APPROVED SECURITIES 1,430 2,240- 3,670 1,7261,320-3,046 M Duration - AFS 2.605.75 5.81 5.09 1.595.02 - 4.36 2NON SLR INVESTMENTS 49,220 8,69020 57,930 187,99810,378198,376 M Duration 2.300.19 - 2.12 0.610.65-0.60 TOTAL 170,110 461,340 2,660 634,110 319,657560,208879,865 35

36. Relationship beyond banking Capital Adequacy –Basel IICapital Adequacy –Basel II 30.09.201031.12.201031.03.201130.06.201130.09.2011 Tier I Capital 142,090140,700170,470170,550170,840 Tier II Capital 79,06078,360 78,67075,63076,760 Total Capital 221,150219,060249,140246,180247,600 Total Assets 2,896,2502,991,8533,511,7253,459,5763,514,381 Risk Weighted Assets 1,695,3101,764,4502,047,6202,126,9902,069,270 CRAR - Tier I (%) 8.387.978.338.028.26 CRAR - Tier II (%) 4.664.443.843.553.71 CRAR (%) 13.0412.4112.1711.5711.97 36

37. Relationship beyond banking Productivity 37

38. Relationship beyond banking Way AheadWay Ahead 38

39. Relationship beyond banking 39