Business Delivery Channels. Branches Extension Counters ATMs Satellite Offices TOTAL

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2 Branch Mix METRO RURAL SEMI-URBAN URBAN Business Delivery Channels Branches % 16% Extension Counters ATMs Satellite Offices TOTAL % Branch Mix % 1.Rural Semi-Urban Urban Bank has Representative Offices in Dubai & New Jersey 4.Metro TOTAL

3 Government of India General Public Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Foreign Institutional Investors Others Share Capital No. of Shares Government of India General Public Private Corporate Bodies Mutual Funds & UTI Banks/FIs/Insurance Cos Crore Crore Foreign Institutional Investors Others Total GOI infusion of Rs 378 crore during September 2015 Amount in ` crores (60.14%) (13.18%) (2.32%) (4.37%) (11.88%) (7.59%) 3.04 (0.52%) (100.00%) (63.97%) (13.01%) (1.81%) (3.66%) (11.11%) (5.97%) 3.07 (0.47%) (100.00%) 3

4 CADRE Executive Officer Clerk Sub staff Others Grand total

5 Total Advances Total Deposits Total Business Details Total Deposits Total Advances Total Business Investments - Net Amount in ` crores ( Year ( Quarter (Quarter (Y-o-Y) Ended) Ended) Ended) Growth % % % % % Net Profit % CD Ratio

6 Current Savings Term Type of Deposit Current Deposits Amount in ` crores Variance (Y-o-Y)% % % Share Savings Deposits % % Share Term Deposits % % Share T O T A L % 6

7 Amount in ` crores ADVANCES SECTOR Growth (Y-o-Y)% 16% 17% 19% 2% 46% Corporate & Mid Corporate Advances % MSME % Retail Credit % Agriculture % Corporate & Mid Corporate Advances MSME Retail Credit Agriculture Other Sectors Other - Sectors NET Bank Credit % % 7

8 Sr. No. Particulars Year ended Quarter Ended Mar 15 Sep 15 Dec 14 Dec 15 Amount in ` crores Variance (Y-o-Y)% 1 Interest Income % 2 Interest Expenses % 3 NII (Spread) (1-2) % 4 Other Income % 5 Operating Expenses % 6 Operating Profit % 7 Provisions % 8 Taxes % 9 Net Profit % 8

9 Amount in ` crores Interest on Year Ended Quarter Ended Mar 2015 Sep 15 Dec 14 Dec 15 Variance (Y-o-Y)% Advances % Investment % Others (Interest on Bal with RBI/Inter Bank Funds) % T O T A L % 9

10 Amount in ` crores Particulars Year Ended Quarter Ended Mar 2015 Sep 15 Dec 14 Dec 15 Variance (Y-o-Y)% Deposits % Sub-ordinate Debt / Other Innovative capital instruments % Borrowings % T O T A L % 10

11 ( Amount in ` crore) Year Ended Quarter Ended Particulars Mar 2015 Sep 15 Dec 14 Dec 15 Variance (Y-o-Y)% Interest Income % Interest Expenses Interest Spread (NII) % % NIM(On Earning Assets)

12 Particulars A) Non-interest Income from Core Operations Year Ended Quarter Ended Mar 2015 Sep 15 Dec 14 Dec 15 1) Processing Fee ) Other Income (Service Tax collected, Card Administrative charges, Appraising charges, etc ) ) Rent on Lockers ) Recovery in Written off Accounts ) Commission & Exchange Sub Total (A) B) Non Interest Income from Treasury ( Amount in ` crore) 1) Profit on Sale of Investments ) Dividend Income ) Forex Profit Sub Total (B) C) Total Non Interest Income (A+B)

13 ( Amount in ` crore) Year Ended Quarter Ended Particulars Mar 2015 Sep 15 Dec 14 Dec 15 Variance (Y-o-Y)% Establishment Expenses % Other Operating Expenses % T O T A L: % 13

14 ( Amount in ` crore) Year Ended Quarter Ended Particulars Mar 2015 Dec 2014 Dec 2015 Variance % Taxes % Dep./Loss on revaluation of Investments Provision for NPAs % Provision against Standard Assets Provision on Restructured Assets Depreciation on Transfer to HTM Others % Total % 14

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

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

17 Ratios Year Ended Quarter Ended Mar 2015 Dec 2014 Dec 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 (%)

18 ( Amount in ` crore) Dec-14 Dec Gross Profit Per Branch Quarter Ended Ratios Dec 2014 Dec 2015 Business Per Employee Net Profit Per Employee Business Per Branch Gross Profit Per Branch

19 ( Amount in ` crore) Quarter Ended Common Equity Tier I (7.45%) (7.49%) (7.71%) (7.38%) Additional Tier I Capital (0.55%) (0.50%) (0.47%) (0.46%) Tier-II CAPITAL (2.51%) (2.64%) (2.84%) (3.08%) TOTAL CAPITAL TOTAL RWAs CRAR 10.51% % 10.92% 19

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

21 ( Amount in ` crore) Types of Net Investments March 2015 % of Total Dec 2014 % of Total Dec 2015 % of Total SLR % % % Non SLR % % % Total % % % 21

22 ( Amount in ` crore) AGRI GOLD LOANS KISAN SAMPATHI AGRI TERM LOANS PATTABHI AGRI CASH CREDITS (KCC) SHG FARM SECTOR OTHERS Category March 2015 Dec 2014 Dec 2015 Variance % AGRI GOLD LOANS % KISAN SAMPATHI % 23% 11% 20% 1% 13% AGRI TERM LOANS % PATTABHI AGRI CASH CREDITS (KCC) % 32% SHG FARM SECTOR % OTHERS % TOTAL % 22

23 ( Amount in ` crore) Category March 2015 Dec 2014 Dec 2015 Variance % Other Retail Credit 40% Housing Loans 49% Housing Loans % Non Agricultural Gold Loans % Non Agl. Gold Loans 11% Other Retail Credit (Educational Loans, Mortgage Loans) % Total % 23

24 ( Amount in ` crore) Category March 2015 Dec 2014 Dec 2015 Variance % MEDIU M 23% MICRO 23% MICRO % SMALL % SMALL 54% MEDIUM % TOTAL % 24

25 Sr. 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 % % 2 Construction & Contractors % % 3 Housing Loans % % 4 Iron & Steel % % 5 NBFC % % 6 Textiles % % 7 Commercial Real Estate % % 8 Engineering (Heavy & Light) ( Amount in ` crores) % % 9 Rice Mills % % 10 Petroleum Products % % 25

26 ( Amount in ` crores) Sr. 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 % % 12 Sugar % % 13 Hotels % % 14 Diamonds, Gems & Jewelers % % 15 Educational Institutions % % 16 Tobacco % % 17 Cement & Cement Products % % 18 Hospitals % % 19 Distilleries % % 20 Software % % 26

27 ( Amount in ` crores) Sr. 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 Energy % % a) Power % % b) Gas Transportation % % 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 % % 27

28 100.00% 93.00% Asset Quality Variance % 90.00% 80.00% 70.00% Sub- Standard Assets (1.55%) (1.80%) (2.69%) 70.58% 60.00% 50.00% 40.00% Doubtful Assets (3.73%) (4.15%) (4.27%) 17.94% 30.00% 20.00% Loss Assets (0.03%) (0.04%) (0.04%) 10.87% 10.00% 0.00% 2.69% 4.27% 0.04% Total NPAs (5.30%) (5.99%) (7.00%) 33.76% Standard Assets (94.70%) (94.01%) (93.00%) 13.26% T O T A L % % % 28

29 18.00% 17.04% 16.00% 14.00% 15.44% Asset Quality % 10.00% 9.45% 10.04% Gross NPA (5.31%) (5.99%) (7.00%) 8.00% 5.99% 7.00% 6.00% 4.00% 2.00% Dec-14 Dec-15 Restructured Advances (11.08%) (9.45%) (10.04%) 0.00% Total Stressed Assets (16.39%) (15.44%) (17.04%) 29

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

31 ( Amount in ` crore) Year Ended Quarter Ended PARAMETER Mar 2015 Dec 2014 Dec 2015 Gross NPAs at the beginning of the period Add: Net Additions during the period NPAs after addition Less: Reduction during the period of which -Up gradation/recovery Technical Write off / Write off Gross NPAs at the end of the period Gross NPA % 5.31% 5.99% 7.00% Net NPAs at the end of the period Net NPA % 2.93% 3.70% 3.89% Provision Coverage Ratio 58.93% 53.13% 57.88% 31

32 ( Amount in ` crore) Particulars Quarter Ended Restructured up to Fresh Restructured during the quarter Disbursements in Restructured Accounts Sub Total Less - Accounts Upgraded by special provision/ accounts closed & recoveries Accounts slipped to NPAs during the Period Restructured Closing Balance

33 ( Amount in ` crore) Sl. No Sector As on As on No. of Accts Amount in Crs No. of Accts Amount in Crs 1 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

34 ( ` crore) Sector Quarter ended Sep 2015 Quarter ended Dec MSME & Major Industries (Of which) a. Textiles b. Engineering c. Sugar d. Iron & Steel e. Contractors f. Aviation g. Shipyards 0 0 Sub Total h. Infrastructure Of which i) Power ii) Educational Institutions iii) Roadways iv) Telecom v) others infra Others TOTAL

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

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