Financial Performance For the Quarter/ Nine Months Ended 31ST DEC. 2017

Financial Performance For the Quarter/ Nine Months Ended 31ST DEC. 2017 12th FEBRUARY 2018 1

Corporation Bank was founded in the Year 1906 in Udupi a small town in South India Nationalized in the year 1980 and went public in 1997 A Mid sized Bank which is a leader in Technology Adoption and financial inclusion Founder: Shri Khan Bahadur Haji Abdullah Haji Kasim Saheb Bahadur 2

Vision Emerge as a Model for Inclusive Growth and Innovative Banking Services Mission To expand our reach to meet the financial needs of people To provide full range of banking services with innovative products To continue to adopt modern technology for superior banking experience To create a rewarding environment for all stakeholders To continue as a model organization for transparent and ethical practices 3

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BUSINESS Total Business of the Bank stood at Rs.329367 Crore as on 31.12.2017 as compared to 329300 crore as on 30.09.2017 [0.02%]. Total Deposit of the Bank stood at Rs.200282 Crore as on 31.12.2017. CASA Level reached at Rs.51452 Crore as on 31.12.2017 [-2.30% over Sep.17]. Saving Bank Deposit reached at Rs.38860 Crore as on 31.12.2017 [+1.04% Over Sep. 17]. Cost of Deposit of the bank has decreased to 5.86% [reduction of 7 bps Over Sep. 2017]. Bulk Deposit decreased to 35.77 % as on 31.12.2017 as compared to 42.02% as on 31.12.2016. Total Advance of the bank stood at Rs.129085 Crore as on 31.12.2017 [+1% over Sep.2017]. Total Priority sector advance stood at Rs.68261 Crore [44.52% of ANBC as against stipulated 40%] as on 31.12.2017. 5

ADVANCES Total Advance of the bank stood at Rs.129085 Crore as on 31.12.2017 [+1% over Sep.2017]. Total Priority sector advance stood at Rs.68261 Crore [44.52% of ANBC as against stipulated 40%] as on 31.12.2017. Total Agriculture advance including RIDF stood at Rs. 28028 Crore [18.47% of ANBC as against stipulated 18%] as on 31.12.2017. Credit flow to women stood at Rs. 11000 Crore [7.37% of ANBC as against stipulated 5%] as on 31.12.2017. Credit flow to weaker section stood at Rs. 19546 Crore [13.10% of ANBC as against stipulated 10%] as on 31.12.2017. 6

INCOME Total Income of the Bank stood at Rs.15299.00 Crore as on 31.12.2017. Interest Income Stood at Rs. 13435 Crore as on 31.12.2017. Non Interest Income stood at Rs. 1864 Crore as on 31.12.2017. Operating Profit stood at Rs. 2960 Crore as on 31.12.2017. RATIOS Net Interest Margin stood at 2.23% as on 31.12.2017 [+8 BPS Over Sep. 2017]. Gross NPA stood at 15.92% as on 31.12.2017 as compared to 15.28% as at 30.09.2017. Net NPA stood at 10.73% as on 31.12.2017 as compared to 10.24% as at 30.09.2017. Provision Coverage Ratio stood at 59.48% as on 31.12.2017 as compared to 58.05% as at 30.09.2017. Yield on investment stood at 7.18% as on 31.12.2017 [Q3] as compared to 7.17% as at 30.09.2017[Q2]. 7

358396 360916 Business Highlights Total Depsoit Rs. In Crore 223384 220560 329300 329367 201488 200282 31.12.2016 31.03.2017 30.09.2017 31.12.2017 31.12.2016 31.03.2017 30.09.2017 31.12.2017 8

QUARTERLY PROFITS ( Rs. In Crore) QUARTERLY OPERATING PROFIT NET PROFIT 1054.54 916.32 1162.61 882.02 159.98 60.15 Mar-17 Jun-17 Sep-17 Dec-17 Mar 17 [Q4] Jun-17 [Q1] SEP-17 [Q2] Dec-17 [Q3] -1035.2-1240.49 9

PARAMETERS AS ON DECEMBER 2017 (9M) NIM IMPROVE TO 2.23% COST OF FUNDS 5.38% YIELD ON ADVANCES 8.96% COST OF DEPOSIT 5.86% 10

COST VS YIELD Yield on Funds 6.19% 5.58% 5.55% 5.03% Cost of Funds Mar-17[Q4] Jun-17[Q1] Sep-17[Q2] Dec-17[Q3] 11

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Business Parameters ` in Crore Parameters Mar-17 Sep-17 Dec-16 Dec-17 Growth Dec17/Dec17 FY H1 9M 9M Abs % Total Business 360916 329300 358396 329367 (29029.50) -8.10% Deposits 220560 201488 223384 200282 (23101.73) -10.34% Average Deposits 209248 210280 206450 205185 (1265.00) -0.61% Advances 140357 127812 135012 129085 (5927.77) -4.39% Average Advances 134782 131542 134425 129717 (4708.00) -3.50% Investments 64073 78586 78421 72735 (5685.77) -7.25% Average Investments 69916 72512 68342 72551 4209.11 6.16% Working Funds 247891 239797 252625 241481 (11143.52) -4.41% Average Working Funds 240227 243589 236275 245273 8997.56 3.81% NDTL 226354 220183 232075 220283 (11791.48) -5.08% 13

CASA 58374 (Rs. In Crore) 54026 51452 39744 40651 38860 Cost of Deposit 6.74% 6.76% 18631 13375 12592 Mar-17 Dec-16 Dec-17 Current Saving CASA 5.86% Mar-17 Dec-16 Dec-17 PARTICULARS Mar-17 Dec-16 Dec-17 Growth Dec17/16) ABS % CURRENT DEPOSITS 18,631 13,375 12,592-783 -5.85% SAVINGS BANK DEPOSITS 39,744 40,651 38,860-1791 -4.41% TOTAL CASA DEPOSITS 58,374 54,026 51,452-2574 -4.77% %age CASA Deposit 26.47% 24.19% 25.69% 14

Composition of Deposit ` in Crore Parameters Mar-17 Sep-17 Dec-16 Dec-17 Growth Dec17/Dec16 FY 6M 9M 9M Abs % CASA 58374 52661 54026 51452-2574 -4.77% Current Deposits 18631 14200 13375 12592-783 -5.85% Savings Deposits 39744 38461 40651 38860-1791 -4.41% Term Deposits including CD s 162185 148827 169358 148831-20527 -12.12% Certificate of Deposit (CD s) 3924 0 0 0 0 - Total Deposits 220560 201488 223384 200282-23102 -10.34% Average Deposit 209248 210280 206450 205185-1265 -0.61% Average CASA 44933 50347 40246 50473 10227 25.41% Share of Avg. CASA to Avg. Deposits 21.47% 23.94% 19.49% 24.71% Share of CASA to Total Deposits 26.47% 26.14% 24.19% 25.69% C.D. Ratio 63.64% 63.43% 60.44% 64.45% Avg. CD Ratio 64.41% 62.56% 65.11% 63.22% Bulk Deposit 38.44% 35.16% 42.02% 35.77% 15

Sectoral Deployment of Credit Growth Parameter Dec17/Dec16 31.03.17 31.12.16 31.12.17 Abs % age O/s.as % to NBC as at Dec -17 Agriculture 22712 21357 22942 1585 7.42% 17.78% MSME 30581 29307 29067 (240) -0.82% 22.52% Large Industries 54523 52056 45293 (6763) -12.99% 35.10% Retail* 29639 28430 29197 767 2.70% 22.62% Wholesale Trade 894 889 749 (140) -15.75% 0.58% Food Credit 1336 2721 1476 (1245) -45.76% 1.14% Others** 671 252 360 108 42.86% 0.26% 140356 135012 129084 (5928) -4.39% 100.0% * Loan under Retail Lending Scheme like Corp home, Vidhya, Mortgage, vyapar, Vehicle etc. ** Others Includes Petrochecmical, Textile, Leather etc. 16

Total Priority Sector with RIDF Total Priority Sector (Actuals) Total Agriculture with RIDF Total Agriculture (Actuals) Deployment to Priority sector 40% 67657 42.75% 62321 18% 28413 18.16% 22712 68048 43.52% 60610 28128 18.19% 22929 65962 42.02% 68261 44.52% 60102 60871 27357 17.73% 28028 18.47% 21357 22942 SF/MF 8% 14121 9.03% 13691 8.87% 13058 8.38% 13618 9.00% Micro Enterprises 7.50% 12051 7.55% 11948 7.54% 10922 6.89% 11700 7.54% Credit Flow to Women Credit Flow to W eaker Section Credit Flow to Minorities Parameter Targets Stipulated by RBI (as % of Mar-17 %age of ANBC 5% 10425 6.76% 10% 18051 11.70% 15% of PSA 8285 13.84% Sep-17 ANBC as at Previous year end 154234 152414 %age of ANBC 10865 7.13% 18130 11.90% 8312 13.71% Dec-16 154234 %age of ANBC Dec-17 149254 %age of ANBC 9746 7.03% 11000 7.37% 17078 11.20% 19546 13.10% 8249 13.73% 8112 13.33% 17

Scheme Wise Exposure Rs. In Crore Growth SCHEMES Mar-17 Sep-17 Dec-16 Dec-17 Dec17/Dec16 Abs. % HOME 14203 14338 13944 14261 317 2.27% VEHICLE 3758 3658 3702 3511-191 -5.16% VIDYA 1602 1677 1587 1644 57 3.61% MORTGAGE 3854 3754 3680 3759 79 2.14% VYAPAR 4105 4149 3699 4183 484 13.08% OTHERS * 2116 1869 1817 1838 22 1.20% GRAND TOTAL 29639 29444 28430 29197 767 2.70% *others include Corp Site, Corp Tutor Fee, Corp Consumer & Corp Plus, Personal, Cash Demat, Mahila Gold, Professional, Doctor Plus, Rental, Others Note : Portfolio includes all loans under Corp Schemes irrespective of limit 18

Industry Wise Exposure Rs. In Crore Growth Parameter Mar-17 Dec-16 Dec-17 Dec17/Dec16 O/s.as % to NBC as at Abs. % Dec- 17 Infrastructure 21178 20927 19853-1074 -5.13% 15.38% Of which: Power 11298 11018 10072-946 -8.59% 7.80% Telecom 2762 2850 2647-203 -7.12% 2.05% Road 5006 4958 4926-32 -0.65% 3.82% Textiles 5958 6050 5882-168 -2.78% 4.56% Petroleum 1470 1434 687-747 -52.09% 0.53% Engineering 4565 4762 3931-831 -17.45% 3.05% Gem & Jewellery 3443 3164 3184 20 0.63% 2.47% Chemicals & Pharm 2432 2567 2387-180 -7.01% 1.85% Iron & Steel 5797 5469 5484 15 0.27% 4.25% Metal & Metal Pro 1283 1293 986-307 -23.74% 0.76% Food Processing 3694 4425 3431-994 -22.46% 2.66% Cement 1097 1300 559-741 -57.00% 0.43% Others 26329 24407 23000-1407 -5.76% 17.82% Total 77246 75798 69384-6414 -8.46% 53.75% 19

Exposure to Sensitive sector [Rs. In Crore] Growth O/s.as % to NBC as SECTOR Mar-17 Dec-16 Dec-17 Dec17/Dec16 Abs % age at Dec -17 Real Estate Hsg Direct 14664 14463 14542 79 0.55% 11.27% Hsg Indirect 2841 2828 3193 365 12.91% 2.47% Commercial Real Esta 4037 3795 3725-70 -1.84% 2.89% Total 21542 21086 21460 374 1.77% 16.63% of which, Commercial Real Estate Corp Rental 797 496 593 97 19.56% 0.46% Land & Bldg 1675 2524 1978-546 -21.63% 1.53% Others 1565 775 1154 379 48.90% 0.89% Capital Market 568 607 540-67 -11.09% 0.42% Credit 223 255 222-33 -12.94% 0.17% Investment 345 352 318-34 -9.75% 0.25% Commodities 3661 3822 3224-598 -15.65% 2.50% 25771 25515 25224-291 -1.14% 19.55% 20

Restructured Accounts [Rs. In Crore] S. No. Particulars Dec-16 Dec-17 Amt. Amt. 1 Gross Advance (Excluding PWO) 140525.34 137048.57 2 Restructured accounts 12870.14 11243.8 3 Out of Restructured accounts 4 a. Standard (*) 7127.54 3363.8 * includes additional facilities 2061.28 787.66 a) Restructured Standard Accounts (excluding additional facilities) b) Restructured Standard Accounts % to Gross Advance c) Restructured Standard Accounts [excluding additional facilities] % to Gross Advances 5066.29 2576.14 5.07% 2.45% 3.61% 1.88% 21

Investments ( Rs. In Crore) Particulars Mar-17 Dec-16 Dec-17 Growth Dec- 17/16 Aggregate Investment 64563 78858 73803-6.41% Of Which i.hft 473 371 201-45.83% i.afs 20771 30364 31047 2.25% i.htm 43320 48122 42555-11.57% SLR Investments 53930 68040 62831-7.66% NON-SLR Investments 10633 10817 10972 1.43% Trading Profits 1432 1007 709-29.58% Duration (Yrs) 5 4 5 AFS 3 1 4 HTM 6 6 6 HFT 5 4 1 22

( Rs. In Crore) Mar-17 Dec-16 Dec-17 Growth Y-O-Y Investments GROSS INVESTMENTS 64,563 78,858 73,803-5055 -6.41% SLR INVESTMENTS Treasury Bills 2,894 15,384 4,963 (10,421) -67.74% CG securities 33,449 39,210 36,527 (2,684) -6.84% State Govt. Securities 17,588 13,445 21,339 7,894 58.71% OTS 0 0 2 2 - Total 53,930 68,040 62,831 (5,209) -7.66% PSU Bonds 1,203 1,265 1,149 (116) -9.19% Corporate Debentures 1,152 1,033 2,128 1,095 105.99% Certificate of Deposit 4,337 5,111 3,126 (1,985) -38.83% Commercial papers 2,029 1,736 1,959 223 12.85% SG Spl Securities 663 602 1,164 562 93.34% Others 1,248 1,071 1,446 375 34.97% Total 10,633 10,818 10,972 154 1.42% RIDF /SIDBI /NHB 7,817 8,235 7,390 (845) -10.26% 23

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BALANCE SHEET ` in Crore CAPITAL AND LIABILITIES 31.03.17 31.12.16 31.12.17 Variation over (Abs) Mar-17 Dec-16 Capital 229.41 229.41 229.41 - (0.00) Reserves and Surplus 12,933.28 12,430.40 12,934.13 0.85 503.73 P & L account Balance (450.75) (105.25) (2,666.29) (2,215.54) (2,561.04) Deposits 220,559.62 223,384.02 200,282.29 (20,277.33) (23,101.73) Borrowings 6,468.17 9,095.04 19,438.25 12,970.08 10,343.21 Other liabilities and Provisions 8,151.32 7,591.00 11,263.69 3,112.37 3,672.69 Total ASSETS 247,891.05 252,624.62 241,481.48 (6,409.57) (11,143.14) Cash and Balances with RBI & Gold on hand 17,496.64 17,962.02 10,266.62 (7,230.02) (7,695.40) Balances with Banks and Money at Call and Short notice 7,553.32 4,531.40 7,290.00 (263.32) 2,758.60 Investments 64,072.98 78,420.52 72,734.75 8,661.77 (5,685.77) Advances 140,356.79 135,012.28 129,084.51 (11,272.28) (5,927.77) Fixed Assets - Gross 2,486.38 2,409.70 2,548.72 62.34 139.02 - Net 1,290.01 1,234.04 1,228.33 (61.68) (5.71) Other Assets 17,121.31 15,464.36 20,877.27 3,755.96 5,412.92 Total 247,891.05 252,624.62 241,481.48 (6,409.57) (11,143.14) 25

INCOME PARTICULARS Mar-17 12M Sep -17 Q2[3M] QUARTER Dec -16 Q3[3M] Dec-17 Q3[3M] Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( DEC 17/DEC16) Total Income 22562 5345 5840 4841-17.09% 16831 15299-9.10% Interest Income 19471 4626 4954 4388-11.42% 14633 13435-8.19% a) Advances 13277 3062 3279 2860-12.80% 10103 8722-13.67% b) Investments 5168 1326 1399 1304-6.80% 3849 3894 1.15% c) Others 1026 238 275 224-18.58% 681 820 20.36% Non-interest Income Of which : 3090 718 886 454-48.80% 2198 1864-15.20% Core Area 1345 261 312 242-22.59% 982 784-20.18% Non core area 1745 457 573 212-63.08% 1215 1080-11.18% 26

NON INTEREST INCOME FROM CORE AREA RS. IN CRORE PARTICULARS Mar-17 12M Sep -17 Q2[3M] Dec -16 Q3[3M] Dec-17 Q3[3M] Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( DEC 17/DEC16) Non-interest income from Core Areas: Of which: 1346 261 312 242-22.59% 982 784-20.18% Commission on LC 115 22 28 19-31.17% 87 68-21.28% Commission on BG 177 33 41 34-17.76% 132 103-21.49% Processing Fee 279 37 67 45-32.63% 195 135-30.71% Service Charges 166 42 38 58 52.50% 116 135 16.61% Commission on Bills /DDs /Other items 50 11 12 11-8.54% 36 34-5.82% Other fee income 558 116 127 75-40.65% 417 308-26.10% 27

NON INTEREST INCOME- NON CORE AREA Rs. In Crore PARTICULARS Mar-17 12M Sep -17 3M Dec -16 3M Dec-17 3M Growth (%) [Q3]/ [Q3] Dec-16 9M Dec-17 9M Growth (%) ( 9M/ 9M) Non-interest income from Non-core Areas: Of which: 1745 457 573 212-63.08% 1215 1080-11.18% Profit on Exchange Transactions 146 59 22 32 42.87% 113 122 7.98% Profit on Sale of Investments 1432 308 515 100-80.52% 1007 709-29.57% Dividend on Shares 7 2 0 1 492.63% 4 4-2.64% Cash Management Services 23 7 6 9 50.24% 17 23 35.29% Net Profit on sale of land,builldings & others 1 0 0 0 0.00% 1 0-100.00% Bad Debts Recovery in PWO accounts 136 81 30 70 129.62% 74 221 198.64% 28

EXPENSES Rs. In Crore PARTICULARS Mar-17 12M Sep -17 Q2 [3M] Dec -16 Q3[3M] Dec-17 Q3 [3M] Growth (%) [Q3]/ [Q3] Dec -16 [9M] Dec-17 [9M] Growth (%) [9M]/ [9M] Total Expenses 18122 4182 4518 3959-12.37% 13446 12338-8.24% Interest Expenses 15020 3387 3724 3124-16.10% 11117 9898-10.96% a) Interest on Deposits 14107 3100 3532 2788-21.08% 10465 9026-13.76% b) Interest on Borrowings 914 287 192 337 75.75% 652 872 33.89% Operating Expenses 3102 795 794 835 5.11% 2330 2440 4.74% a) Salaries 1444 385 384 439 14.32% 1099 1198 8.95% b) Other Operating Expenses 1657 410 410 396-3.49% 1231 1242 0.98% 29

Provisions Rs. In Crore PARTICULARS Mar -17 12M Sep -17 3M Dec -16 3M Dec-17 3M Growth (%) [Q3]/ [Q3] Dec-16 [9M] Dec-17 [9M] Growth (%) [9M]/ [9M] Provisions (Net) 3878 2198 1162 2123 82.64% 2984 5177 73.49% a. For Bad & Doubt Deb 3509 2536 992 2495 151.58% 2656 6541 146.30% b. On Standard Assets 353 139 65-80 -223.60% 174-375 -315.10% c. Investment Depreciat 76 118 7 465 7002.96% 43 723 1595.38% d. Income Tax 275-471 228-662 -389.68% 329-1433 -535.95% e. Others -335-124 -129-95 -26.36% -218-279 28.41% 30

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KEY RATIO (Annualized) Mar-17 (12M) Jun-17 (3M) Sep-17 (6M) Dec-17 9M Cost of Deposits 6.74% 5.93% 5.93% 5.86% Cost of Funds 6.25% 5.58% 5.56% 5.38% Yield on Advances 9.85% 8.37% 8.91% 8.96% Yield on Investments 7.39% 7.12% 7.14% 7.16% Yield on Funds 8.11% 7.28% 7.43% 7.30% Net Interest Margin 2.12% 1.88% 2.15% 2.23% 32

PROFITABILITY RATIO (Annalized) Mar-17 (12M) Jun-17 (3M) Sep-17 (6M) Dec-17 9M a. Cost to Income Ratio 41.13% 46.95% 43.57% 45.18% i) Staff Cost to Income Ratio 19.15% 21.68% 20.61% 22.18% ii) Other Operating Cost to Income Ratio 21.98% 25.26% 22.96% 23.00% b. Net Profit to Total income 2.49% 1.18% -9.32% -14.48% c. Return on Assets (%) 0.23% 0.10% -0.80% -1.20% d. Return on Equity (%) 4.66% 1.89% -15.96% -25.46% e Earning per Share [Rs.] 5.17 2.10-17.00-25.75 f Book Value per share [Rs.] 110.82 111.35 102.32 91.52 33

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Capital Adequacy 11.32 11.30 8.90 7.99 7.95 8.60 5.77 7.32 10.00 Figures in %age CET I Capital Tier I Capital Total CRAR Mar-17 Dec-16 Dec-17 Rs. In Crore Mar-17 Dec-16 Dec-17 Risk Weighted Assets 15,0147 144551 139715 Actual Capital 16992 16329 13976 CET I Capital 11,999 11485 8059 Tier I Capital 13,368 12428 10228 35

Net Worth over last decade ` in Crore 12712.00 7137.81 8275.93 9565.69 10085.10 10484.48 11366.00 3765.45 4228.51 4896.51 5774.87 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 36

Movement of NPAs ` in Crore As at As at As At Dec-17 As At Dec-16 Mar-17 Sep-17 Q3 Dec-17 Gross NPAs at the beginning of the year 14544.25 14544.25 17045.22 20684.88 17045.22 Add: Additions 5113.30 7762.42 6204.63 3464.73 9669.36 Less: Recoveries 326.43 491.05 459.45 65.90 525.34 Up-gradation 964.12 1196.71 298.02 130.78 428.80 write off 2539.00 3573.68 1807.50 2134.97 3942.47 Gross NPA at the end of the period 15828.00 17045.22 20684.88 21817.96 21817.97 Gross Credit 140525.34 145709.84 135414.10 137048.57 137048.57 Gross NPA % 11.26% 11.70% 15.28% 15.92% 15.92% Net NPA 10314.94 11692.18 13082.59 13853.9 13853.9 Net NPA % 7.64% 8.33% 10.24% 10.73% 10.73% Provision Coverage Ratio (PCR) with respect to Gross NPA 56.93% 55.17% 58.05% 59.48% 59.48% 37

` in Crore Gross and Net NPA Gross NPA Net NPA Mar-17 Dec-16 Dec-17 38

` in Crore Sectorwise NPAs A/cs Mar-17 % of NPA to Exposure A/cs Dec-16 % of NPA to Exposure A/cs Dec-17 % of NPA to Exposure PRIORITY AGRICULTURE 20981 823.24 3.62 22294 815.6 3.82% 34280 1445.13 6.30% SME 21255 2411.22 7.88 16947 2386.03 8.65% 40845 3168.92 11.69% OTHER PRIORITY 9128 299.14 3.31 11138 296.8 2.66% 18030 619.7 5.73% TOTAL 51364 3533.6 5.67 50379 3498.43 5.82% 93155 5233.75 8.60% NON- PRIORITY LARGE INDUSTRY 150 11332.62 19.04 167 9770.55 18.17% 148 13988.6 20.16% WHOLESALE TRADE 10 167.51 18.74 6 318.22 35.80% 18 214.86 27.37% OTHERS 333826 2011.49 8.73 28910 2240.8 8.70% 15986 2380.8 39.63% TOTAL 333986 13511.6 16.19 29083 12329.6 15.33% 16152 16584.2 21.77% GRAND TOTAL 385350 17045.2 11.69 79462 15828 11.26% 109307 21818 15.92% 39

` in Crore Sectorwise Deliquency Mar-17 % of Dlq to Exp. Dec-16 % of Dlq to Exp. Dec-17 % of Dlq to Exp. PRIORITY AGRICULTURE 498.19 2.19% 372.24 1.74% 820.34 3.58% SME 1026.8 3.36% 725.55 2.63% 1580 5.83% OTHER PRIORITY 227.48 2.52% 132.66 1.19% 421.75 3.90% TOTAL 1752.5 2.81% 1230.45 2.05% 2822 4.64% NON PRIORITY LARGE INDUSTRY 4750.1 7.98% 2869.11 5.33% 5579.4 8.04% WHOLESALE TRADE 10.59 1.18% 11.05 1.24% 56 7.13% OTHERS 1249.3 5.42% 1002.70 3.89% 1211.4 20.16% TOTAL 6009.9 7.20% 3882.86 4.83% 6846.8 8.99% GRAND TOTAL 7762.4 5.32% 5113.31 3.64% 9668.9 7.06% 40

BANK NETWORK Dec-16 Dec-17 31/12/2016 31/12/2017 593 Metro 600 Branches 2501 2524 534 Urban 539 787 Semi-Urban 797 ATM 3150 3194 587 Rural 588 Branchless Banking Units 4727 4727 Total 10378 10445 21% BRANCH SEGMENTATION AS ON 31.12.2017 24% 23% 32% Rural S.U. Urban Metro 41

Shareholding Particulars Mar-17 [FY] Sep-17 [6M] Dec-16 [9M] Dec-17 [9M] Earning Per Share (Rs.) 5.17-8.50 3.77-19.32 [ Not Annualized] Book Value Per Share 110.82 102.32 109.45 91.52 (Rs.) Return on Equity 4.66% -15.95% 4.47% -25.46% No. of Shares (in Crore) 114.71 114.71 114.71 114.71 Share Capital ( Rs. in Crore) Market Capitalization ( Rs. in Crore) 229.41 229.41 229.41 229.41 6039.25 4588.23 4794.69 4496.46 NRI 0.25% FII & Overseas body corporates 1.88% Government of India 70.77% FIs, MFs, Banks & Corporate bodies 3.78% LIC of India 18.91% NRI FII & Overseas body corporates FIs, MFs, Banks & Corporate bodies Resident Individuals LIC of India Resident Individuals 4.41% 42

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PMJDY account (In Lakhs) PMJDY accounts Balance(In Lakhs) 27.33 27.12 27.39 134,218.62 105174.54 102210.04 Mar-17 Dec-16 Dec-17 Mar-17 Dec-16 Dec-17 %age of Zero balance account under PMJDY 17.59% 18.50% 14.14% Mar-17 Dec-16 Dec-17 44

Issued RuPay debit cards to 95% of the account holders and passbook to 90% of the account holders. Aadhaar number has been seeded in 73 % of the operative PMJDY accounts. Fixed point Bank Mitras have been engaged at all the 637 SSAs (covering 2291 villages) where bank branches are not opened. 87% of the Bank Mitras are active and carry out daily transactions. Bank Mitras get fixed minimum remuneration of Rs. 5000/- pm in addition to variable incentives and hence the attrition of Bank Mitra is one of the lowest. Average transaction per Bank Mitra per month is 529 (Dec 2017), which is one of the best in the industry. Bank Mitras have been empowered to sanction (in principle) loans subject to approval by the Branch Manager. A separate incentive scheme has been formulated for this purpose 45

TARGET AREA 46

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