2. www.lvbank.comInvestor Meet Page 1 THE LAKSHMI VILAS BANK LTD UNAUDITED WORKING RESULTS FOR THE NINE MONTHS PERIOD ENDED DECEMBER-2012

3. www.lvbank.comInvestor Meet Page 2 FY13 - Q3 HIGHLIGHTS – (Q-O-Q BASIS) 1.OPERATING PROFIT INCREASED BY 46.83% ON Q-O-Q BASIS (FROM ` 48.11 Crores for Q3 - 2011 TO `70.64 Crores for Q3-2012). 2.NET PROFIT INCREASED BY 10.44% ON Q-O-Q BASIS (FROM ` 28.35 Crores for Q3- 2011 TO ` 31.31 Crores for Q3-2012) 3.NET INTEREST INCOME AT ` 107.13 CRORES INCREASED BY 18.22% (Q3-2011 ` 90.68 CRORES). 4.NIM INCREASED TO 2.86% (Q3-2011 2.73%).

4. www.lvbank.comInvestor Meet Page 3 PERFORMANCE HIGHLIGHTS – BUSINESS GROWTH 1.TOTAL BUSINESS OF THE BANK ROSE TO ` 25830.49 Crores AS AT DECEMBER 2012, RECORDING A Y-O-Y GROWTH OF 14.17%. 2.TOTAL DEPOSITS GREW BY 11.28%, ADVANCES BY 18.27% ON Y-O-Y BASIS.

5. www.lvbank.comInvestor Meet Page 4 DEPOSITS PARTICULARS ( ` in Crores) AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) AS ON 31.03.2012 (Y-O-Y) CORE DEPOSITS14560.1913220.4810.13%13695.83 BANK DEPOSITS219.5660.89260.58%418.31 TOTAL DEPOSITS14779.7513281.3711.28%14114.14 INTEREST PAID ON DEPOSITS 969.28766.9126.39%1060.59 COST OF DEPOSIT8.99%8.41% 8.57% CASA %14.39%15.93% 14.90%

6. www.lvbank.comInvestor Meet Page 5 ADVANCES PARTICULARS ( ` in Crores) AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) AS ON 31.03.2012 (Y-O-Y) GROSS ADVANCES11050.749343.6718.27%10328.3 NET ADVANCES10871.299222.1417.88%10188.68 CREDIT-DEPOSIT RATIO 74.77%70.35% 73.18% INTEREST RECEIVED ON ADVANCES 1032.65867.1019.09%1186.55 YIELD ON ADVANCES13.05%13.61%

7. www.lvbank.comInvestor Meet Page 6 INCOME ( ` in Crores) PARTICULARS3 RD QUARTERNINE MONTHS ENDED AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) (Y-O-Y) AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) (Y-O-Y) AS ON 31.03.2012 1. TOTAL INTEREST INCOME (A+B+C) 451.22394.2714.44%1300.111110.1517.11%1519.26 A) INTEREST ON ADVANCES 355.55304.8816.62%1032.65867.1019.09%1186.56 B) INCOME ON INVESTMENTS 85.1887.37-2.51%256.20239.107.15%324.17 C) OTHER INTEREST INCOME 0.081.71-95.32%0.463.64-87.36%3.83 D) OTHERS (IT REFUND)10.410.313258.06%10.800.313383.87%4.70 2. NON INTEREST INCOME47.3235.2234.36%136.69100.7835.63%157.92 TOTAL INCOME (1+2)498.54429.4916.08%1436.801210.9318.65%1677.18

8. www.lvbank.comInvestor Meet Page 7 EXPENDITURE ( ` in Crores) PARTICULARS3 RD QUARTERNINE MONTHS ENDED AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) (Y-O-Y) AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) (Y-O-Y) AS ON 31.03.2012 1. INTEREST EXPENDITURE 344.09303.65 13.32% 1023.04829.51 23.33% 1148.03 2. OPERATING EXPENDITURE (A+B) 83.8177.73 7.82% 241.96201.97 19.80% 293.71 A) STAFF EXPENDITURE36.0940.00 -9.77% 112.6299.22 13.51% 141.25 B) OTHER OPERATING EXPENDITURE 47.7237.73 26.48% 129.34102.75 25.88% 152.46 TOTAL EXPENDITURE (1+2) 427.90381.38 12.20% 1265.001031.48 22.64% 1441.74

9. www.lvbank.comInvestor Meet Page 8 NET PROFIT ( ` in Crores) PARTICULARS 3 RD QUARTERNINE MONTHS ENDED FY GROWTH %FY GROWTH (%) AS ON 31.03.2012 2012-132011-12(Y-O-Y)2012-132011-12(Y-O-Y) OPERATING PROFIT 70.6448.1146.83%171.81179.45-4.26%235.44 PROVISIONS (excl. tax) 20.3318.768.37%67.3383.39-19.26%109.42 PROFIT BEFORE TAX (PBT) 50.3129.3571.41%104.4796.068.75%126.02 PROVISION FOR TAX 19.001.001800.00%30.0014.00114.29%19.00 NET PROFIT 31.3128.3510.44%74.4782.06-9.25%107.02

10. www.lvbank.comInvestor Meet Page 9 CAPITAL ADEQUECY PARTICULARS ( ` in crores) AS ON 31.12.2012 AS ON 31.12.2011 GROWTH (%) AS ON 31.03.2012 (Y-O-Y) B/S SIZE17060.63 15311.72 11.42%16243.57 CAPITAL ADEQUECY RATIO BASEL – I10.52% 10.22% 2.94%12.08% BASEL - II12.20% 10.82% 12.75%13.10%

11. www.lvbank.comInvestor Meet Page 10 ANALYTICAL RATIOS AS ON 31.12.2012 AS ON 31.12.2011 AS ON 31.03.2012 RETURN ON EQUITY (%)10.84%12.83%12.66% RETURN ON ASSETS (%)0.60%0.76%0.73% YEILD ON FUNDS (%)10.39%10.30%10.39% COST OF FUNDS (%)8.17%7.70%7.85% INTEREST SPREAD (%)2.22%2.60%2.54% NET INTEREST MARGIN (%)2.50%2.96%2.91%

12. www.lvbank.comInvestor Meet Page 11 NON PERFORMING ASSETS PARTICULARS ( ` in Crores) AS ON 31.12.2012 AS ON 30.09.2012 AS ON 31.12.2011 AS ON 31.03.2012 GROSS NPA487.02490.62 225.98 307.73 NET NPA322.48316.26 113.77 177.09 GROSS NPA (%)4.41%4.50% 2.42% 2.98% NET NPA (%)2.97%2.95% 1.23% 1.74%