NET PROFIT (Q4) INCREASED BY 110% Y-O-Y TOTAL NUMBER OF BRANCHES CROSSED 2500 PROVISION COVERAGE RATIO IMPROVED TO 58.93

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2 NET PROFIT (Q4) INCREASED BY 110% Y-O-Y 3.00% FOR FY TOTAL NUMBER OF BRANCHES CROSSED 2500 PROVISION COVERAGE RATIO IMPROVED TO CASA DEPOSITS CROSSED 27% NET NPAs BELOW 3% 2

3 BRANCH MIX RURAL SEMIURBAN URBAN METRO Business Delivery Channels Branches Extension Counters 10 8 ATMs Satellite Offices TOTAL Branch Mix Rural Semi-Urban Urban Metro TOTAL Bank has Representative Offices in Dubai & New Jersey 3

4 Andhra Pradesh Telangana Southern India other than AP & Telangana Northern India Eastern India Western India Central Region New Branches opened in FY No of branches 1.Andhra Pradesh Telangana 71 3.Southern India other than AP& Telangana 4.Northern India Eastern India Western India Central Region TOTAL 395 4

5 Share Capital crore crore No. of Shares crore crore Government of India * General Public Government of India General Public Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Foreign Institutional Investors Others Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Foreign Institutional Investors Others Total * GoI infused share capital of Rs.120 crore during the year. 5

6 BUSINESS PERFORMANCE HIGHLIGHTS ( Amount in ` crore) Total Advances Total Deposits Total Business Details Total Deposits Total Advances Total Business Vari ance % Investments Net Profit CD Ratio

7 Current Savings Term Type of Deposit Current Deposits Year Ended ( Amount in ` crore) Growth % % Share Savings Deposits % Share Term Deposits % Share T O T A L

8 ADVANCES ( Amount in ` crore) Growth SECTOR % 15% 1% 16% 51% Corporate & Mid Corporate Advances MSME % Retail Credit Agriculture Corporate & Mid Corporate Advances MSME Retail Credit Agriculture Other Sectors Food Credit NET Bank Credit

9 Sl. No. Particulars Quarter Ended Mar 14 Mar 15 Variance % Year ended Mar 14 Mar 15 ( Amount in ` crore) Variance % 1 Interest Income Interest Expenses NII (Spread) (1-2) Other Income Operating Expenses Operating Profit Provisions Taxes Net Profit (6-7-8)

10 Quarter Ended ( Amount in ` crore) Year Ended Interest on Mar 2014 Mar 2015 Growth % Mar 2014 Mar 2015 Growth % Advances Investment Others T O T A L

11 ( Amount in ` crore) Interest on Quarter Ended Year Ended Mar 2014 Mar 2015 Variance % Mar 2014 Mar 2015 Variance % Deposits Sub-ordinate Debt/Other Innovative capital instruments Borrowings T O T A L

12 ( Amount in ` crore) Quarter Ended Year Ended Particulars Mar 2014 Mar 2015 Growth % Mar 2014 Mar 2015 Growth % Interest Income Interest Expenses Interest Spread (NII) NIM

13 ( Amount in ` crore) Particulars Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 A) Non-interest Income from Core Operations 1) Processing Fee ) Other Income ) Rent on Lockers ) Recovery in Written off Accounts ) Commission & Exchange Sub Total (A) B) Non Interest Income from Treasury 1) Profit on Sale of Investments ) Dividend Income ) Forex Profit Sub Total (B) C) Total Non Interest Income (A+B)

14 ( Amount in ` crore) Quarter Ended Year Ended Particulars Mar 2014 Mar 2015 Variance % Mar 2014 Mar 2015 Variance % Establishment Expenses Other Operating Expenses T O T A L:

15 Particulars Mar 2014 Quarter Ended Mar 2015 Variance % Mar 2014 Year ended Mar 2015 Variance % Income Tax Dep./Loss on revaluation of Investments ( Amount in ` crore) Provision for NPAs Provision against Standard Assets Provision on Restructured Assets Depreciation on Transfer to HTM Others Total

16 Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Cost of Deposits % Cost of Funds % Yield on Advances % Yield on Investments % Yield on Funds %

17 Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Return of Assets(ROA)% Return on Avg.Net worth % Earning per Share (Amt in `) Book value per share (Amt in `) Net Worth to GBC %

18 Ratios Quarter Ended Year Ended Mar 2014 Mar 2015 Mar 2014 Mar 2015 Cost to Income Ratio (%) Staff Cost as % of Average Working Funds Other Operating Expenses as % of Average Working Funds Operating Profit to AWF (%) Staff Cost to Total Expenditure (%)

19 ( Amount in ` crore) Ratios Year Ended Mar 2014 Mar Business Per Employee Net Profit Per Employee Business Per Branch Gross Profit Per Branch Gross Profit Per Branch

20 Ratio Total Risk Weighted Assets (` in Crores) Common Equity Tier I Ratio % % Additional Tier I Ratio % % Tier II Ratio % % Total Capital Ratio (CRAR) % % 20

21 ( Amount in ` crore) Particulars Net Investments HTM AFS HFT Duration (AFS) Modified Duration (AFS) Duration Total Portfolio Modified Duration Total Portfolio Yield on Investments

22 ( Amount in ` crore) Types of Net Investments % of Total % of Total SLR % % Non SLR % % Total % % 22

23 ( Amount in ` crore) 21% AGRI GOLD LOANS KISAN SAMPATHI AGRI TERM LOANS PATTABHI AGRI CASH CREDITS (KCC) SHG FARM SECTOR OTHERS 11% 31% 20% 1% 16% Category Variance % AGRI GOLD LOANS % KISAN SAMPATHI % AGRI TERM LOANS % PATTABHI AGRI CASH CREDITS (KCC) % SHG FARM SECTOR % OTHERS % TOTAL % 23

24 ( Amount in ` crore) Category Variance % Other Retail Credit 35% Non Agl. Gold Loans 16% Housing Loans 49% Housing Loans Non Agl. Gold Loans Other Retail Credit (Educational Loans, Mortgage Loans) Total

25 ( Amount in ` crore) Category Variance % MEDIUM 20% SMALL 55% MICRO 25% MICRO SMALL MEDIUM TOTAL

26 ( Amount in ` crore) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 1 Power Construction & 2 Contractors Housing Loans Iron & Steel NBFC Textiles Commercial Real Estate Engineering (Heavy & 8 Light) Rice Mills Petroleum Products

27 ( Amount in ` crore) Sl. No Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding Outstanding as % of Total Advances of Previous Quarter 11 Drugs & Pharmaceuticals Sugar Hotels Diamonds, Gems & 14 Jewelers Educational Institutions Tobacco Cement & Cement 17 Products Hospitals Distilleries Software

28 Sl. N o Industry Actual Fund Based Exposure Exposure as % of Total Advances of Previous Quarter Actual Fund Based Outstanding ( Amount in ` crore) Outstanding as % of Total Advances of Previous Quarter 1 Energy % % a) SEBs % % 2 Transportation % % a) Roads, Bridges & Rail % % b) Ports & Airports % % 3 Water & Sanitation % % 4 Communications % % 5 Social & Commercial (of which) % % a) Hospitals % % b) Educational Institutes % % C) SEZ % % d) Cold Storage/Rural Godowns % % e) Fertilizers % % TOTAL % % 28

29 ( Amount in ` crore) % 94.69% Asset Quality % 80.00% Standard Assets (96.29%) (94.70%) (94.69%) 70.00% 60.00% 50.00% Total NPAs (of which) (3.71%) (5.29%) (5.31%) 40.00% 30.00% 20.00% Sub- Standard Assets (1.98%) (1.57%) (1.55%) 10.00% 0.00% 1.55% 3.73% 0.03% Doubtful Assets (1.69%) (3.70%) (3.73%) Loss Assets (0.04%) (0.03%) (0.03%) T O T A L % % % 29

30 SECTORS Advances Year ended Year ended NPA NPA % to Advances Advances NPA ( Amount in ` crore) NPA % to Advances AGRICULTURE % % MSME % % RETAIL CREDIT % % LARGE & MID CORPORATE % % TOTAL % % 30

31 ( Amount in ` crore) Quarter Ended Year Ended PARAMETER Mar 2014 Mar 2015 Mar 2014 Mar 2015 Gross NPAs at the beginning of the period Add: Additions during the period NPAs after addition Less: Reduction during the period of which -Up gradation/recovery Technical Write off Gross NPAs at the end of the period Gross NPA % Net NPAs at the end of the period Net NPA % Provision Coverage Ratio

32 ( Amount in ` crore) PARAMETER Q1 Q2 Q3 Q4 TOTAL Gross NPAs at the beginning of the period Add: Additions during the period NPAs after addition Less: Reduction during the period of which - Up gradation/recovery Technical Write off Gross NPAs at the end of the period Gross NPA % Net NPAs at the end of the period Net NPA % Provision Coverage Ratio

33 ( Amount in ` crore) PARAMETER Q1 Q2 Q3 Q4 TOTAL Gross NPAs at the beginning of the period Add: Additions during the period NPAs after addition Less: Reduction during the period of which - Up gradation/recovery Technical Write off Gross NPAs at the end of the period Gross NPA % Net NPAs at the end of the period Net NPA % Provision Coverage Ratio

34 ( Amount in ` crore) Particulars Year Ended Restructured upto Fresh Restructured during the year Disbursements in Restructured Accounts Sub Total Less- Accounts Upgraded by special provision NPAs & Recoveries Restructured Closing Balance

35 ( Amount in ` crore) Sl. No Sector No. of Accts During Quarter No. of Accts As on Total Restructured Accounts and Amount Out of which i) Micro, Small and Medium Enterprises ii) Housing Loans Restructured iii) Agricultural Loans iv) Other Retail Credit(Educational Loans, Mortgage Loans etc) v) Major Industries Restructured

36 Sector During Quarter Year Ended ( ` crore) MSME & Major Industries (Of which) a. Textiles b. Engineering c. Sugar d. Iron & Steel e. Contractors f. Electronics Mfg g. Shipping Sub Total h. Infrastructure Of which i) Power ii) Educational Institutions iii)roadways iv) Telecom v)others infra i. Others TOTAL

37 ( Amount in ` crore) Sl.No. Particulars No. Of Accts Amount 1 Below ` 1 Crore ` 1 Crore to less than ` 25 Crores ` 25 Crores and above Total

38 38

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