Un-Audited/ Reviewed Financial Results For the Quarter ended June 30,2018

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1 Un-Audited/ Reviewed Financial Results For the Quarter ended June 30,2018 1

2 BUSINESS PROFILE Advances Deposit Business June-17 March-18 June-18 Parameter June 17 Mar 18 June 18 Y-o-Y % Growth Gross Advances 74,807 74,239 69,917 [6.54] Total Deposits 1,06,765 1,06,130 1,03,020 [3.51] Total Business 1,81,572 1,80,369 1,72,937 [4.76] 2

3 KEY INDICATORS Full Year Quarter Particulars Mar 18 Mar 18 June 17 June 18 Variation over June 17 [%] Variation over Mar 18 [%] Operating Profit 1, [9.98] Net Profit [1,923.15] [1,225.43] [132.65] [721.71] Total Income 10, , , , [8.02] 0.81 Total Expenses 8, , , , [7.78] [2.94] Provision & Contingencies 3, , [29.92] 3

4 INCOME Particulars Full Year Quarter Variation over Mar 18 Mar-18 June 17 June 18 June 17 [%] Variation over Mar 18 [%] Total Income 10, , , , [8.02] 0.81 Interest Income 8, , , , [5.64] 8.77 Advances 5, , , , Investments 2, [2.41] 2.96 Other [68.97] [31.87] Non Interest Income 1, [31.99] [50.08] 4

5 NON INTEREST INCOME Particulars Full Year Quarter Mar 18 Mar-18 June 17 June 18 Variation over June 17 [%] Variation over Mar 18 [%] Comm. Exchange, Brokerage Exchange Earned on Forex Profit on Sale of Investment Recovery in written off a/cs [3.62] [22.56] [74.41] [73.44] [76.56] [27.52] [93.71] Process Fee [26.02] [45.15] Other Income [39.06] Total 1, [31.99] [50.08] 5

6 NET INTEREST INCOME Particulars Full Year Quarter Mar 18 Mar-18 June 17 June 18 Net Interest Income 2, Net Interest Margin [%]

7 EXPENSES Particulars Full Year Mar 18 Mar-18 Quarter June 17 June 18 Variation over June 17 [%] Variation over Mar 18 [%] Total Expenses 8, , , , [7.78] [2.94] Interest Expenses 6, , , , [11.83] [3.89] Deposits 5, , , , [13.11] [1.70] Others [24.07] Operating Expenses 2, [0.65] a. Staff Expenses 1, b. Other Operating Expenses [8.25] 7

8 PROVISIONS & CONTIGENCIES Particulars Full Year Quarter Variation over Mar 18 Mar-18 June 17 June 18 June 17 [%] Variation over Mar 18 [%] NPA 4, , [42.15] Tax Expense [1,255.60] [590.45] [101.05] [137.08] Investment Depreciation Standard Assets [158.64] [155.04] [89.70] FITL [41.44] [50.63] [18.66] [39.13] NPV of Restructured A/cs [35.97] [92.49] Others [0.21] [3.31] Total Provisions 3, , [29.92] 8

9 RESOURCES / DEPLOYMENT Particulars Mar 18 June 17 June 18 Growth % Current Deposits 6, , , [16.22] Savings Deposits 36, , , CASA Deposits 42, , , Term Deposits 59, , , [7.17] Aggregate Deposits 1,02, ,04, ,00, [4.13] CASA [%] to Total Deposits Inter Bank Deposits 3, , , TOTAL DEPOSITS 1,06, ,06, ,03, [3.51] GROSS ADVANCES 74, , , [6.54] BUSINESS MIX 1,80, ,81, ,72, [4.76] 9

10 ADVANCES Particulars Mar 18 June 17 June 18 Gross Advances 74,239 74,807 69,917 [Growth %] [-4.26] [-7.78] [-6.54] Priority Sector 28,889 28,489 27,376 [Growth %] [-0.44] [-3.73] [-3.91] Agriculture 13,347 13,117 12,660 [Growth %] [2.32] [7.65] [-3.48] MSME 10,898 11,904 10,363 [Growth %] [-12.52] [-14.64] [-12.95] Retail 13,240 13,530 12,957 [Growth %] [-0.46] [19.21] [-4.23] CD Ratio

11 COMPOSITION OF ADVANCES Particulars Variation over Outstanding as of June 17 Mar 18 June 17 June 18 Amt % % to Total Advances Agriculture 13,347 13,117 12,660 [457] [3.48] MSME 10,898 11,904 10,363 [1,541] [12.95] Large Industries 26,817 26,021 23,796 [2,225] [8.55] Retail 13,240 13,530 12,957 [573] [4.23] Food Credit [35] [4.33] 1.11 Others 9,368 9,426 9,367 [59] [0.63] Total 74,239 74,807 69,917 [4,890] [6.54]

12 RETAIL PORTFOLIO Mar 18 June 17 June 18 Y-o-Y Growth % Direct Retail Total Retail % of Gross Advances Retail Advances 10,748 11,094 10,651 [3.99] 13,240 13,530 12,957 [4.23] Housing Vehicle Education Mortgage Personal Dena Trade Doctor + Gold Loan Others Segment Amount % To Direct Retail Housing 6, Vehicle Education Mortgage Personal Dena Trade 1, Doctor Gold Loan Others 1, Total (Direct Retail) 10,

13 PRIORITY SECTOR LENDING Sr No Particulars Mar 18 June 17 June 18 Y-o-Y Regulator y Targets FY ANBC 85,038 85,548 79, ,950 2 Agriculture (Including RIDF, PTC PSLCs & IBPC) 3 MSME-PS 18,179 16,244 15,069 [7.23] 14,931 11,638 12,359 11,127 [9.97] -- 4 Others 6,132 5,926 4,939 [16.66] -- 5 Total PSL (Including RIDF, PTC, PSLCs & IBPC) 35,949 34,529 31,135 [9.83] 33,180 6 Agri % to ANBC PSL % to ANBC

14 INVESTMENTS Particulars March 18 June 17 June 18 % to Total GROSS INVESTMENTS 38, , , SLR INVESTMENTS Treasury Bills CG securities 19, , , State Govt. Securities Other Approved Securities 10, , , Total 29, , , NON-SLR INVESTMENTS PSU Bonds 2, , , Corporate Debentures 1, , CDs CPs Shares of PSUs /Corporates & Others Regional Rural Banks Units of MF Venture CF Security Receipts CBLO & Others(Recap Bond) 2, , Total 8, , ,

15 TREASURY MANAGEMENT Particulars Mar 18 June 17 June 18 % Growth % to Total Investment Gross Investment 38, , , Of which (i) HFT (ii) AFS 12, , , (iii) HTM 25, , , SLR Investment 29, , , [0.71] Non-SLR Investment 8, , , of which Rated 8, , , Unrated [23.69] 0.05 Average Yield on all Investments [FY] Trading Profits [FY] HFT AFS HTM Total [8.27] VAR (AFS+HFT) Duration (Yrs) AFS + HFT HTM Total

16 ADVANCES - CLASSIFICATION Mar 18 June 17 June 18 Asset Category Amount % age Amount % age Amount % age Standard 57, , , Sub Standard 3, , , Doubtful 11, , , Loss 15, , Total NPAs 16, , , Total 74, , ,

17 MOVEMENT OF NPA Particulars Full Year Quarter Mar 18 Mar 18 June 17 June 18 Gross NPA Opening Balance 12, , , , Less: Cash recoveries Less: Up gradations Less: Write off Total Reductions 2, , Add: Slippage & Debit Operations 6, , , GROSS NPA 16, , , , GROSS NPA [%] NET NPA 7, , , , NET NPA [%} Recovery in w/o A/cs

18 EXPOSURE TO MAJOR INDUSTRIES March 18 June 17 June 18 % Sector Amount % age Amount Amount % age age Infrastructure 10, , , Power 3, , , Telecom 1, , , Roads & Ports 2, , , Other Infra 2, , , Metal incl Iron & Steel 5, , , Textiles 3, , , Chemical & Chemical Products All Engineering 2, , , Gems & Jewellery Food Processing 1, , , Construction 2, , ,

19 RESTRUCTURED ADVANCES Sector March 18 June 17 June 18 % Amount Amount % age Amount % age age Agriculture Power 1, , , Telecom Road & Port Textiles Cement & Products Iron & Steel 1, , Civil Aviation Hotel Other Infrastructure Others 1, , , Total * 6, , , * Of the Total Restructured Assets ` 2, cr is Std and ` 3, crs is NPA

20 CAPITAL ADEQUACY Net Worth 5, , , Risk Weighted Assets 72, , , Total Capital Funds 8, , , CET1 6, , Tier I Capital 6, , , Tier II Capital 1, , , Capital Adequacy Ratio Particulars Under Basel III CET Tier I Tier II

21 KEY RATIOS Ratios Full Year Quarter Mar 18 Mar 18 June 17 June 18 A Cost of Deposits [%] B Cost of Funds [%] C Yield on Advances [%] D Yield on Investments [%] E Yield on Funds [%] F Net Interest Margin [%] G Provision Coverage Ratio [Incl Tech W/O]

22 KEY RATIOS Ratios Full Year Quarter Mar 18 Mar 18 June 17 June 18 A. Cost to Income Ratio i) Staff Cost to Income Ratio ii) Other Overhead to Income Ratio B Net Profit to Total Income [19.05] [51.26] [5.06] [29.95] C D Return on Assets [Annualised] Return on Equity [Annualised] [1.59] [4.07] [0.43] [2.43] [26.17] [66.96] [8.14] [37.25] E Earning Per Share ` [18.06] [11.51] [1.69] [3.19] F Book Value `

PRODUCTIVITY RATIOS Particulars March 18 June 17 June 18 Business per Branch [ ` cr] 100.20 100.76 96.83 Business per Employee [ ` cr] 13.25 13.03 12.87 Profit Per Branch [ ` lacs] [106.84] [7.

23 PRODUCTIVITY RATIOS Particulars March 18 June 17 June 18 Business per Branch [ ` cr] Business per Employee [ ` cr] Profit Per Branch [ ` lacs] [106.84] [7.36] [40.41] Profit Per Employee [ ` lacs] [14.13] [0.95] [5.37] Mar18 June 17 June 18 8 Mar 18 June 17 June 18 Business per Branch 23 Business per Employee

24 SHARE HOLDING PATTERN FIIs 1.33% Indian Public 6.52% FI & Banks 1.71% Ins Cos 8.43% Mutual Funds 0.00% Corp. Bodies 1.01% NRIs & OCBs 0.26% Share Capital No. of Shares Net worth ` 2, cr cr ` 4, cr B. V. per share ` Return on Equity [37.25] (annualised) Govt. of India Govt. of India 80.74% FII 1.33 Insurance Companies 8.43 FIs/Banks 1.71 Mutual Funds 0.00 Bodies Corporate 1.01 NRIs & OCBs 0.26 Public

34.71 Semi Urban 435 23.41 Urban 358 19.27 Metro 420 22.60 Total 1,858 100.

25 BRANCH NETWORK March 18 June 17 June 18 Branches 1,872 1,874 1,858 Ext. Counters ATMs 1,685 1,538 1,646 E- smart Lobbies Category June 18 % share Rural Semi Urban Urban Metro Total 1, Category During June 18 Quarter 14 Branches has been merged and 39 ATMs has been closed % 22.60% 23.41% 34.71% Rural Semi Urban Urban Metro 25

26 26 FINANCIAL INCLUSION Progress under PradhanMantriJan Dhanyojana(PMJDY) Parameters As on Accounts opened till lakh Deposits 1,06,908 lakh RuPaycards issued lakh AadharSeeding lakh Village Covered 6,503 (Actual) Sub Service Areas 2,124 (Actual) Urban Wards 776 (Actual) Progress Under PMSBY, PMJJBY AND APY SCHEMES Scheme Name As on Pradhan Mantri Suraksha Bima Yojana (PMSBY) 20,29,393 (actual) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 5,85,109 (actual) Atal Pension Yojana (APY) 1,28,238 (actual) Progress Under MUDRA yojana(pmmy) Category As on No of Accounts (Actual) Sanc. Amt. (in crore) O/S Amt. (in crore) Shishu (< Rs.50K) 97, Kishor (Above Rs.50K-Rs.5.00 Lacs) 42, Tarun(Above Rs.5.00 lacsto Rs lacs) 7, ,47,

Audited Financial Results. For Q / FY. March, 2015

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