ANALYST S MEET. Performance Highlights For the Financial Year ended 31-March-2015

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1 ANALYST S MEET Performance Highlights For the Financial Year ended 31-March-2015

2 Sl. No. Areas of Presentation Slide No. 1 Highlights 3 2 Business Cross Section 4 3 Deposits 5 4 Domestic Advances 6 5 Infrastructure and NBFC Exposure 7 6 Retail Credit Components Investments 10 8 Restructured Advances & Stressed Asset Ratio Non Performing Assets (NPA) Operating Profit and Net Profit Financial Highlights Quarterly and Yearly 12 Other Income Quarterly and Yearly 13 Provisions & Contingencies Quarterly and Yearly 21 & & & 26 Sl. No Areas of Presentation Overseas Performance London Branch Key Parameters Quarterly and Yearly Slide No Net Interest Margin (NIM) Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share and Equity Holdings Equity Value Branch Network & Delivery Channels Corporate Social Responsibility Customer Specific Products Going Forward 39-41

3 Business Global Business increased to Rs. 4,61,192 Crores MSME Credit grown by 25% (Y-o-Y) Profit Operating Profit up by 12.46%. Net Profit at Rs. 1,523 Crores Other Income Other Income up by 59% (Y-o-Y). Capital CRAR (Basel III) at 10.54%. Margin Global NIM : 2.38%.

4 Business Cross Section GLOBAL ` in Crores Mar., Dec., Mar., Particulars Growth Y-O-Y Amount % Global Business 72,608 19% Global Deposits 43,045 20% Global Advances 29,563 17% Business Deposits Advances DOMESTIC Particulars Growth Y-O-Y Amount % Mar., Dec., Mar., Domestic Business 59,854 18% Domestic Deposits 38,436 21% Domestic Advances 21,418 15% Business Deposits Advances

5 Global Deposits `. in Crores Cost of Deposits % Total CASA Current Savings Mar., Dec., Mar., 2015 Particulars December, 2015 Y-O-Y Growth Global Deposits 2,12,343 2,51,469 2,55,388 43,045 20% Current Deposits 13,968 17,983 17,246 3,278 23% Savings Bank 42,030 44,525 46,467 4,437 11% CASA Deposits (Global) 55,998 62,508 63,713 7,715 14% Domestic CASA Deposits % 29.90% 27.90% 28.25% % of Bulk Deposits (Global) 13.11% 10.87% 10.31% Mar., 14 Jun., 14 Sep., 14 Dec., 14 Mar., 15 `. in Crores %

6 Domestic Advances Particulars Domestic Advances (Gross) Retail Credit MSE Credit (incl. Priority Sector) Agriculture Credit Credit to Weaker Section MSME Credit Dec., Other Priority Sector 29,945 29,308 Advances (21%) (20%) % age expressed on Gross Domestic Advances 2015 Y-o-Y Growth ` in Crores Q4-o-Q3 Growth Amt % Amt % 1,43,735 1,48,825 1,65,153 21,418 15% 16,328 11% 20,926 (15%) 18,697 (13%) 22,071 (15%) 12,758 (9%) 19,800 (14%) 21,090 (14%) 19,135 (13%) 23,792 (16%) 14,246 (10%) 21,324 (14%) 22,256 (13%) 21,911 (13%) 26,205 (16%) 14,405 (9%) 24,665 (15%) 31,706 (19%) 1,330 6% % 3,214 17% 2,776 15% 4,134 19% 2,413 10% 1,647 13% 159 1% 4,865 25% 3,341 16% 1,761 6% 2,398 8% 6

7 Infrastructure and NBFC Exposure Power Particulars (Global) State Owned Generation & Transmission DISCOMs Private Owned Generation & Transmission Roads & Ports NBFC Aviation Telecom TOTAL 12,813 (7.27%) 8,864 (5.03%) 5,143 (2.92%) 3,721 (2.11%) 3,949 (2.24%) 2,689 (1.53%) 2,302 (1.31%) 26,054 (14.78%) 1,002 (0.57%) 2,827 (1.60%) 44,998 (26%) December, 14,816 (7.94%) 11,237 (6.02%) 7,056 (3.78%) 4,181 (2.24%) 3,579 (1.92%) 3,579 (1.92%) 2,141 (1.15%) 23,433 (12.56%) 1,097 (0.59%) 3,796 (2.03%) 45,283 (24%) % age expressed on Gross Global Advances ,005 (8.26%) 11,498 (5.59%) 7,309 (3.55%) 4,189 (2.03%) 5,507 (2.67%) 3,688 (2.67%) 2,549 (1.24%) 24,745 (12.02%) 1,330 (0.64%) 4,638 (2.25%) 50,267 (24%) Y-o-Y growth % Q4-o-Q3 growth % (5) ` in Crores 7 7

8 Retail Credit Components Particulars Dec., 2015 Growth Y.O.Y Growth Q4-o-Q3 Advance Advance Advance Amount % Amount % Housing Loans 9,714 10,023 11,980 2,266 23% 1,957 20% Education Loans 2,768 2,698 2,745 (23) (1%) 47 2% Vehicle Loans 1,447 1,827 2, % % Personal Loans 4,404 4,099 3,476 (928) (21%) (623) (15%) Gold Loans - Non Priority 1,589 1,334 1,044 (545) (34%) (290) (22%) Mortgage Loans 910 1, % (75) (7%) Others (94) - (51) (100%) Total Retail Credit 20,926 21,090 22,256 1,330 6% 1, %

9 Distribution of Retail Credit 2015 ` in Crores 4,404 21% 1,589 8% % 9,714 46% 3,476 16% 1,044 5% 983 4% 11,980 54% 2,028 9% 1,447 7% 2,768 13% 2,745 12% Housing Loans Education Loans Housing Loans Education Loans Vehicle Loans Personal Loans Vehicle Loans Personal Loans Gold Loans - Non Priority Mortgage Loans & Others Gold Loans - Non Priority Mortgage Loans & Others

10 Gross Investments HFT AFS HTM Mar., 14 Jun., 14 Sep., 14 Dec., 14 Mar., 15 Yield on Investments Mar., June., Sept., Dec., Mar.,

11 Restructured Advances CDR 31 st 31 st Dec., 31 st 2015 No.: of Accounts Amount (` in Crores) 3,801 2,439 2,978 Non - CDR 31 st 31 st Dec., 31 st 2015 No.: of Accounts 1,24,645 1,00,411 94,483 Amount (` in Crores) 7,335 7,777 7,789 TOTAL 31 st 31 st Dec., 31 st 2015 No.: of Accounts 1,24,680 1,00,443 94,525 Amount (` in Crores) 11,136 10,216 10,767 11

12 Restructured Advances- including CDR Particulars As On Y-o-Y Q4-o-Q3 Mar., Dec., Mar., 2015 Increase/ (Decrease) Corporate 3,701 3,083 2,978 (723) (105) Agriculture 1,735 1,587 1,102 (633) (485) Aviation (2) (1) MSME (201) (86) Power 3,610 4,197 4, Retail (44) 0 Others , ,177 TOTAL 11,136 10,216 10,767 (369)

13 Particulars Advances Restructured during Quarter Mar., Quarterly Mar., 2015 Mar., Yearly Mar., 2015 ` in Crores Dec., Restructured Advances 1,094 1,367 2,920 1, Stressed Asset Ratio Particulars June, Sept., Dec., Mar., 2015 Stressed Asset Ratio Restructured (STD) Ratio Gross NPA Ratio

14 NPA Details ` in Crores Mar., Jun., Sep., Dec., Mar., 2015 Net NPA Gross NPA

15 NPA and Provision Coverage Ratios Values in % Gross NPA Net NPA Provision Coverage Ratio (PCR) Mar., 14 Jun., 14 Sep., 14 Dec., 14 Mar., Gross NPA Net NPA Provision Coverage Ratio (PCR) Mar., 14 Jun., 14 Sep., 14 Dec., 14 Mar., 15

16 Sector Dec., Mar., 2015 % to Total Sector NPA ` in Crores Q4-o-Q3 Increase/ (Decrease) Agriculture 810 1, Industries 1,603 2,901 2, (375) Services Housing Loan (15) Auto Loan (6) Education Loan (50) Personal Loan (73) Other Retail Loans TOTAL 4,264 6,168 5,904 (264) 16

17 Particulars December, 2015 A. Gross NPA at the Beginning 4,401 6, B. Deduction: (i) Upgradation & Decrease due to Operations (ii) Recoveries (iii) Write off (incl. Prudential) C. Additions: ` in Crores TOTAL (i) Fresh NPA 1,197 1, TOTAL 1,197 1, Gross NPA at the End (A-B+C) 4,611 6,724 6,442 17

18 Particulars FY Ended March'14 December, FY Ended March'15 A. Gross NPA at the Beginning 2,979 4,611 4,611 B. Deduction: (i) Upgradation (ii) Recoveries (iii) Write off (incl. Prudential) 1, C. Additions: ` in Crores TOTAL 1,996 2,411 3,668 (i) Fresh NPA 3,628 4,524 5,499 TOTAL 3,628 4,524 5,499 Gross NPA at the End (A-B+C) 4,611 6,724 6,442

19 Core Financials

Yearly Performance Operating Profit 4007 3563 3450 12.46% 3.

1014 954 838 20 ` in Crores 2012-13 2013-14 -15 Mar.' 14 (Q4) Jun.

' 15 (Q4) Net Profit Net Profit 2004 1711 1523 409 485 316 305 417

20 Yearly Performance Operating Profit % 3.28% ` in Crores Quarterly Performance Operating Profit ` in Crores Mar.' 14 (Q4) Jun.' 14 (Q1) Sep.' 14 (Q2) Dec.' 14 (Q3) Mar.' 15 (Q4) Net Profit Net Profit (14.62)% (10.99)% Mar. '14 (Q4) Jun.' 14 (Q1) Sep.' 14 (Q2) Dec.' 14 (Q3) Mar.' 15 (Q4)

21 FINANCIAL HIGHLIGHTS - Quarterly Particulars December, 2015 ` in Crores Q4-o-Q4 Q4-o-Q3 Growth (%) Growth (%) Interest Income 4,896 5,499 5, Interest Expended 3,463 4,176 4, Net Interest Income (NII) 1,433 1,323 1, Other Income Operating Expenses Operating Profit , Provisions Net Profit

22 OTHER INCOME Quarterly ` in Crores 22 Particulars December, 2015 Q4-o-Q4 Growth (%) Q4-o-Q3 Growth (%) Commission & Brokerage Commission on Govt. Business Net Profit from FX Transactions (40) Sub Total Recovery in Written Off A/cs Miscellaneous Income Total (Excl. Trading Profit) Net Profit on Sale of Investment GRAND TOTAL

23 Provisions & Contingencies Quarterly ` in Crores 23 Particulars December, 2015 Q4-o-Q4 Growth (%) Q4-o-Q3 Growth (%) Provision for NPA (net of reversal of excess provision) Bad Debts Written Off Provision for Income Tax (net of DTA / DTL) (43) (66) Standard Assets (2) (11) Restructured Assets Depreciation on Investments (54) 19 Staff Welfare Fund Leave Encashment (38) 200 Wage Arrears Others 9 (15) TOTAL

24 FINANCIAL HIGHLIGHTS Yearly Particulars 2015 Growth ` in Crores Amount % 24 Interest Income 18,620 21,615 2,995 16% Interest Expended 13,080 16,095 3,015 23% Net Interest Income (NII) 5,540 5,520 (20) - + Other Income 1,325 2, % - Operating Expenses 3,302 3, % Operating Profit 3,563 4, % - Provisions 1,852 2, % Net Profit 1,711 1,523 (188) (11%)

25 OTHER INCOME Yearly Particulars 2015 ` in Crores Growth Amount % 25 Commission & Brokerage % Commission on Govt. Business % Net Profit from FX Transactions Sub Total % (1) (1%) Recovery in w/o A/c.s % Miscellaneous Income % Total (Excl. Trading Profit) 1, % Net Profit on Sale of Investment % GRAND TOTAL 1,324 2, %

26 Provisions & Contingencies Yearly Particulars ` in Crores 2015 Provision for NPA 990 1,621 Bad Debts Written Off Provision for Income Tax (net of DTA / DTL) (68) 473 Standard Assets Restructured Assets Depreciation on Investments 203 (16) Staff Welfare Fund Leave Encashment Wage Arrears Others TOTAL 1,852 2,484 26

27 London Branch Performance Particulars December, 2015 ` in Crores Growth % Y-o-Y Q4-o-Q3 27 Business 57,883 65,439 70,637 22% 8% Deposits 25,377 27,634 29,986 18% 9% Advances 32,506 37,805 40,651 25% 8% Operating Profit % (19%) Gross NPA (%) 1.07% 1.47% 1.32% Net NPA (%) % 0.70% Yield on Advances (%) Cost of Deposits (%) NIM (%)

28 KEY PARAMETERS - Quarterly Values in % Parameters Mar., June., Sept., Dec., Mar., 2015 Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets Yield on Investments NIM

29 KEY PARAMETERS Yearly Values in % Parameters Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets Yield on Investments NIM

30 Net Interest Margin (NIM) (in %) 30 Yearly Movement of N I M (Global) Quarterly Movement of N I M Dec., Domestic Overseas Global

31 Capital Adequacy Ratios - Basel III Tier I Tier II CRAR Values in % June, Sept., Dec., Mar., 2015 Particulars Regulatory Total Capital (` in Crores) Risk Weighted Assets (` in Crores) June, Sept., Dec., Mar., ,579 14,573 14,441 15,112 16,891 1,27,735 1,34,910 1,38,551 1,44,502 1,60,249 CRAR

Earnings Per Share ` 33.30 28.21 24.38 EQUITY HOLDING PATTERN Govt.

24 175.12 189.63 Others 10.15% FIIs 8.52% Bodies Corporate 1.

32 Earnings Per Share ` EQUITY HOLDING PATTERN Govt. of India 69.24% Book Value Per Share ` Others 10.15% FIIs 8.52% Bodies Corporate 1.89% Mutual Fund & UTI 0.57% Insurance Cos. 9.42% Banks & FIs 0.21%

33 EQUITY VALUE Particulars Mar., Sep., Dec., Mar., 2015 Earnings Per Share (`) Book Value Per Share (`) No. of Shares (` in Crs.) Share Capital (` in Crs.) Market Capitalisation (` in Crs.) 6, , , ,700.45

BRANCH NETWORK 34 Satellite Offices 48 658

Branches opened during FY 15 Metro 682 704

34 BRANCH NETWORK 34 Satellite Offices Branches opened during Q4 ( 15) 303 Branches opened during FY 15 Metro Urban Semi-Urban Rural 1150

35 Alternate Delivery Channels 35 Internet Banking : 9,02,460 customers ATMs 3427 Mobile Banking : 1,51,781 customers SMS Banking : 14,89,117 customers

36 ACCOLADES & AWARDS SyndicateBank is one among the Five from Karnataka State in Forbes 2000 list of most powerful public companies FINANCIAL INCLUSION Bank has opened 104 lakh Basic Savings Bank Deposit Accounts (BSBDA) as on Of which 6.06 lakh accounts were opened during the quarter ended as on The balance outstanding in these accounts is ` 3, Crore as on (104 lakh accounts). To promote financial literacy in the villages, financial literacy programmes were organized during the year up to , in which 5.74 lakh persons were benefitted.

37 PMJDY: Bank has opened 34,96,559 no. of accounts under PMJDY with a balance of ` 505 crore as at ,50,302 RuPay Cards have been issued under PMJDY as at CORPORATE SOCIAL RESPONSIBILITY: During the quarter, Bank undertook various CSR activities viz. distribution of water coolers to Govt. Schools; donation to social work & charitable society for distributing rice to poor families on the eve of Republic Day; donation to society for advancement of culture & heritage; donation to temple and trust for purchasing dining tables with tools for Annasantharpane; donation towards making toilets in Government schools under Swachh Bharat Abhiyan, donation towards rehabilitation of flood victims in Jammu & Kashmir and has also donated to support flood (Hudhud) affected in Vishakhapatnam, donation for purchase of benches and desks and construction of auditorium for the schools; donation of Ambulance to Medical colleges & Hospital, donation to corporation of the city; donation of RO Water Purifier to colleges/ Institutes, donation to special school for mentally retarded etc.

38 CUSTOMER SPECIFIC PRODUCTS Bank has launched the following new products during the Quarter: Synd Connect: Synd Delight: Synd Timber: Bank has launched a new personal banking loan product SyndConnect to meet the loan requirements of employees of Central /State Government Departments, reputed Public Sector Undertakings and Fortune 500 Companies and to improve the quality of retail lending products. Bank has launched a hassle free loan product SyndDelight to existing Housing Loan customers who have demonstrated satisfactory repayment record of 3 years or more to meet any genuine personal credit needs of them. Keeping in view the demand for wooden products and steady growth and its contribution to MSME segment, Bank has launched a new tailor made product SyndTimber to extend credit facilities to Timber Trading, Import of Wood and Wooden products, Wood Processing Units like Sawmill, Steam Chambers, Construction of Shed etc. and for Furniture Shops. The quantum of loan which can be provided under the scheme is above Rs.10 lakh upto Rs.10 crore.

39 CORPORATE TIE UP Bank has entered into strategic tie-up with the following Corporates:- Bank had signed a Memorandum of Understanding (MOU) with M/s SBI Life Insurance Co. Ltd. on 30th March 2015 for providing Group Life Insurance cover to Education Loan Borrowers of the Bank. Bank has a Corporate Agency tie-up with M/s TATA-AIA Life Insurance Co Ltd. on 30th March 2015 for providing Group Life Insurance cover to Housing Loan borrowers of the Bank on optional basis. Bank had signed a Memorandum of Understanding (MOU) with LIC for implementation of Pradhan Mantri Jeevan Jyoti Bima Yojana. In this, LIC will provide life insurance cover of Rs. 2 lakh in case of death of the insured person at nominal premium of Rs. 330 per annum.

40 CORPORATE STRATEGIES To attract the retail investors in the pursuit of tax savings and to take the advantage of the available opportunity, Bank has recently launched a campaign titled Save Tax Get Relaxed for from 1st January 31st This campaign is designed to increase business of the Bank under Core term deposits, Life Insurance Policies from LIC of India, ELSS option of Mutual Funds and Mediclaim polices of the Bank. In order to have impetus for growth momentum and to explore the growth in potential branches, Bank has selected STAR branches to tap business in line with corporate vision to achieve a level of Rs. 10 lakh Crore businesses by All these branches will be provided good amenities at branch premises for customers. Along with this, all required publicity materials like banners, pamphlets, posters etc. would be made available to them and Product knowledge if any required shall be made available through Regional Offices to the selected branches.

CORPORATE STRATEGIES (cont.,) Bank had launched a special SIP campaign titled SYND Mutual Funds SIP Campaign with all the nine Mutual Fund Companies, covering all the asset classes i.e. Equity, Debt and Hybrid.

41 CORPORATE STRATEGIES (cont.,) Bank had launched a special SIP campaign titled SYND Mutual Funds SIP Campaign with all the nine Mutual Fund Companies, covering all the asset classes i.e. Equity, Debt and Hybrid. The objective of the campaign was to increase the penetration in Mutual Funds business and build the SIP book along with Asset under Management (AUM) for the Bank. The campaign envisaged participation by each and every branch with provision of reward and recognition of the performers. The campaign saw participation from 436 branches in 47 Regions across the country. There were 3233 SIP Folios created with a monthly SIP amount of lakhs in various schemes.

Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share & Share Holdings Pattern

Capital Adequacy Ratio (Basel III) Earnings Per share, Book Value Per Share & Share Holdings Pattern 1 Sl. No. Areas of Presentation Slide No 1 Highlights 3 2 Business Cross Section 4 3 Domestic CASA 5 4 Domestic Advances 6 5 Retail Credit Components 7 6 Industry & NBFC Exposure 8 7 Restructured Advances,