Quarterly Results Q3FY15

Quarterly Results Q3FY15 13 th February 2015

Safe Harbor Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors. All financial and other information in these slides, other than financial and other information for specific subsidiaries where specifically mentioned, is on an unconsolidated basis for SBI only unless specifically stated to be on a consolidated basis for SBI Group. Please also refer to the statement of unconsolidated, consolidated and segmental results required by Indian regulations that has, along with these slides, been filed with the stock exchanges in India 2

Performance Highlights YOY Q3FY15 over Q3FY14 Q3FY15 Net Profit SOLO GROUP SOLO Rs. 2910 crores (Rs. 2234 crores) GROUP Rs.3828 crores (Rs. 2839 crores) Net Profit 30.24% 34.86% Operating Profit 22.00% 21.61% Non Interest Income 24.27% 18.25% Expense Ratio - 432 bps -105 bps Gross NPA Ratio - 83 bps -59 bps Capital Adequacy Ratio* (Basel III) Tier I 10.01 % Overall 12.66% * with retained profit Figures in bracket indicate Q3FY14 3

NII and Operating Profit Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Interest Income 38546 34853 10.60 112296 100493 11.74 Other Income 5238 4215 24.27 14061 11967 17.49 Total Income 43784 39068 12.07 126357 112460 12.36 Interest Expenses 24770 22237 11.39 71992 64114 12.29 Net Interest Income 13777 12616 9.20 40303 36379 10.79 Operating Expenses 9720 9213 5.51 27860 26865 3.70 Operating Profit 9294 7618 22.00 26504 21481 23.38 4

Net Profit - a Snapshot Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Operating Profit 9294 7618 22.00 26504 21481 23.38 Total Provisions 6384 5384 18.58 17145 13631 25.78 Loan Loss 4717 3429 37.59 12649 8340 51.67 Standard Assets 370 196 89.20 606 732-17.17 Investment Depreciation 47 621-506 1161 Other Provisions 101-95 258-188 Income Tax 1150 1235-6.89 4138 3587 15.37 Net Profit 2910 2234 30.24 9360 7850 19.22 5

Movement in Income Parameters Q3 Rs. In crores 9050 11519 11141 12616 13777 Net Int. Income Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15 7260 7791 7618 6764 9294 Operating Profit Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15 3263 3396 2828 2910 2234 Net Profit- Solo Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15 6

Components of Interest Income/Expenses Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Interest on Loans 28646 26310 8.88 84075 75535 11.31 Interest on Resources 9636 8308 15.99 27451 24025 14.26 Other Sundry Interest 264 235 11.93 769 934-17.61 Total Interest Income 38546 34853 10.60 112296 100493 11.74 Interest on Deposits 22816 20111 13.45 65963 57474 14.77 Interest on Borrowings 981 1207-18.72 3136 3890-19.39 Other Sundry Interest 972 918 5.92 2893 2749 5.24 Total Interest Expenses 24770 22237 11.39 71992 64114 12.29 7

Components of Other Income Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Fee Income 3291 2971 10.75 9239 8144 13.44 Profit/loss on Sale of Investments 920 238 286.06 1959 1676 16.92 Forex Income 502 604-16.90 1401 1248 12.29 Dividend Income 0 8 61 45 33.17 Misc. Income 526 393 33.76 1401 854 64.04 Total Other Income 5238 4215 24.27 14061 11967 17.49 8

Components of Fee Income Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Loan Processing Charges 876 692 26.71 1701 1641 3.64 Commission on Govt. Busi. 491 409 20.09 1492 1255 18.94 Commission on LC/BG 750 730 2.72 2169 2050 5.78 Transaction Fees 757 598 26.54 2257 1690 33.54 Commission on Collection 79 95-17.04 265 271-2.48 Misc Fee Income 338 448-24.57 1355 1237 9.57 Total Fee Income 3291 2971 10.75 9239 8144 13.44 9

Components of Operating Expenses Rs. In Crores Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY % Payment to and Provisions for Employees 5842 5867-0.43 16971 17225-1.48 Rent, Taxes and Lighting 863 726 18.84 2496 2147 16.30 ATM Expenses 571 495 15.31 1644 1138 44.46 Depreciation on Bank's Property 403 378 6.68 1075 991 8.51 Insurance 390 346 12.90 1133 1078 5.03 Postage, Telegrams, Telephone 179 192-6.68 467 507-7.90 Travelling Expenses 150 161-7.19 433 469-7.62 Repairs and Maintenance to Bk's Property 143 110 30.82 403 320 26.08 Printing and Stationery 77 59 32.18 218 197 10.85 Advt. & Publicity 77 47 64.65 160 169-4.77 Law Charges 44 52-15.94 139 139-0.46 Auditors Fee and Expenses 42 37 15.83 127 124 2.66 Other Expenses 938 745 26.04 2593 2361 9.81 OPERATING EXPENSES 9720 9213 5.51 27860 26865 3.70 10

Movement in Net Interest Margin Domestic NIM ( in % ) 4.4 4.2 Cumulative 4 3.8 3.6 3.72 3.66 3.44 3.48 3.48 3.49 3.54 3.49 3.50 3.4 3.2 3 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 NIM- Cumulative Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 FOs 1.52 1.50 1.49 1.50 1.49 1.42 1.08 1.20 1.19 Whole Bank 3.41 3.34 3.16 3.19 3.19 3.17 3.13 3.11 3.12 11

Domestic : Costs & Yields Cost of Deposits Yield on Advances Yield on Advances /Yield on Assets Cost of Deposits 10.89 10.80 10.23 10.32 10.40 10.47 10.58 10.57 10.57 6.23 6.25 6.21 6.22 6.25 6.27 6.28 6.31 6.32 8.50 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14 11.50 10.50 9.50 8.50 7.50 6.50 5.50 4.50 3.50 ( in % ) 0.00 0.25 0.50 0.75 1.00 1.25 1.50 1.75 2.00 2.25 2.50 2.75 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 Cost of Funds Yield on Investments 6.37 6.40 6.34 6.38 6.40 6.41 6.42 6.42 6.43 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14 12

Retail Deposits drive Growth Rs. In Crores Level YOY Growth Dec-14 Dec-14 Mar-14 Dec-13 Amt. % Whole Bank Deposits 1510077 1394409 1349940 160137 11.86 Domestic Deposits 1417732 1305984 1258622 159110 12.64 Deposits at FOs 92345 88425 91317 1028 1.13 Term Deposits 814095 725787 706237 107858 15.27 Of which: Retail TD 722616 593792 559847 (%) 88.76 81.81 79.27 162769 29.07 Current Account 94363 110935 86552 (%) 6.66 8.49 6.88 7811 9.02 Savings Bank 509274 469262 465833 (%) 35.92 35.93 37.01 43441 9.33 CASA 603637 580197 552385 51252 9.28 CASA Ratio- Domestic (%) 42.58 44.43 43.89 13

Diversified Exposure across Sectors Rs. In Crores 2 18 31704 224673 (% YOY growth) Misc FOs (-3) (3) 32791 217695 Share % 3 18 21 260226 Retail (13) 230827 19 10 13 120637 167942 Direct Agri SME (7) (-0.1) 113247 168112 10 14 17 220683 MCG (-0.3) 221393 19 19 (20) 239618 CAG 199658 17 Dec 14 Dec 13 Total 1265483 YOY Gr 6.91% 1183723 14

Retail Advances Rs. In crores Distribution of Retail Loans(%) 23.6 Other Per. 23.1 5.9 6.4 11.8 Education 12.0 Auto 58.8 Home 58.5 Distribution of Home Loans(%) Above 26 23 Rs.30 lacs 74 Upto Rs.30 77 lacs Dec 14 Dec 13 Total 260226 230827 Total Dec 14 Dec 13 152905 135129 Level Home Auto Edu Other Per. Total Dec 13 135129 27698 14838 53162 230827 Mar 14 140738 27925 14740 54264 237667 Dec 14 152905 30701 15295 61325 260226 YOY Growth Abs. 17776 3003 457 8163 29399 YOY Growth % 13.15 10.84 3.08 15.35 12.74 5 year CAGR(%) 15.76 21.66 8.93 7.06 13.52 15

Agri Advances Rs. In crores 100000 96661 20000 Dec 14 Dec 13 90000 86816 15000 12809 15087 80000 10000 70000 60000 5000 5724 4776 1555 1940 4646 5352 50000 0 Crop/Prod. Farm Mech Irrig. & Land Devp. SHGs Other Term Loan Crop / Production Investment/ Allied Credit Out of which: collateralized by Gold Agri Priority Level Amt. Share % Direct Indirect Total Dec 13 86816 28103 36743 31.97 113247 10200 123447 Mar 14 88723 27358 37751 32.52 120253 34462* 154715 Dec 14 96661 23786 42101 34.95 120637 38900* 159537 YOY Abs. 9845-4317 5358 7390 28700* 36090 YOY % 11.34-15.36 14.58 6.53 * Includes RIDF deposits 16

CD Ratio & Market Share ( in % ) CD RATIO 78.5 77.8 78.1 76.4 76.6 75.8 79.2 82.4 77.6 78.0 78.8 76.4 80.5 78.3 78.7 76.7 80.7 77.8 77.9 77.0 75.8 76.1 75.6 75.7 SBI ASCB Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Market Share DEPOSITS ADVANCES 16.64 16.57 16.73 16.66 16.57 16.65 16.46 16.29 16.09 16.14 Mar 12 Mar 13 Dec 13 Mar 14 Dec 14 Mar 12 Mar 13 Dec 13 Mar 14 Dec 14 17

Capital Adequacy Rs. In crores Basel III With retained profit CAR% 12.51% 11.59% 12.44% 12.33% 12.33% 12.03% 12.66% Tier II 3.19% 2.91% 2.72% 2.70% 2.71% 2.65% 2.65% 9.32% 8.68% 9.72% 9.63% 9.62% $ 9.38% 10.01% # Tier I Mar 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Dec 14 RWA 1005640 1070399 1126863 1128605 1126967 1153231 1153231 $ CET 1 = 9.29% # CET1 = 9.92% 18

Asset Quality Rs. In crores YOY, Gross and Net NPAs are down by 83 and 44 bps respectively Gross NPAs 51189 60891 64206 (4.75%) 67799 61605 (5.56%) (5.64%) (5.73%) (4.95%) (4.90%) 60434 60712 61991 (4.89%) (4.90%) Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Net NPAs 21956 29990 32151 37167 31096 31884 32997 34469 (2.10%) (2.83%) (2.91%) (3.24%) (2.57%) (2.66%) (2.73%) (2.80%) Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 * PCR % 66.58 60.60 60.16 58.32 62.86 62.68 63.18 63.56 * Provision Coverage Ratio 19

Gross NPAs by Sector Rs. In Crores Break-up of Gross NPAs Sector-wise Gross NPAs to Total Gross NPAs % Sector Large Corporate Mid Corporate NPA Dec 14 Mar 14 Dec 13 Ratio % NPA Ratio % NPA Ratio % 1074 0.49 2402 0.99 3658 1.83 26430 11.85 26257 11.05 26191 11.39 SME 16427 8.05 15465 7.85 17382 9.09 Large Corp Intl. Retail Agri. SME 1.7 4.0 5.4 4.6 5.0 6.1 5.7 4.9 6.1 19.5 17.3 18.5 26.5 25.1 25.6 Agri 12100 10.04 10660 9.20 12570 10.95 Retail 3082 1.19 3034 1.28 4103 1.78 Mid-Corp 42.7 42.6 38.6 International 2878 1.28 3787 1.77 3895 1.79 Total 61991 4.90 61605 4.95 67799 5.73 Dec 14 Mar 14 Dec 13 20

Movement of NPAs Rs. In Crores Q3FY15 Q2FY15 Q1FY15 Q4FY14 Q3FY14 Q2FY14 Opening Level of Gross NPAs 60712 60434 61605 67799 64206 60891 Recovery +Up gradation 667 2635 4547 8443 2768 3797 Write off 5096 4787 6556 5698 5077 1253 Fresh Slippages 7043 7700 9932 7947 11438 8365 Net Increase 1280 278-1171 -6194 3593 3315 Closing Level of Gross NPAs 61991 60712 60434 61605 67799 64206 Recovery in W/o Accounts 602 466 421 642 326 273 21

Details of Restructured Assets Rs. In Crores Particulars 9MFY15 Std NPA Total 1 Restructured Accounts as on 01.04.2014 43050 15888 58938 2 Fresh Restructuring 9568 1904 11472 3 Increase in Outstanding 3084 298 3382 4 Up gradation to restructured standard category 698-698 0 5 Restructured Standard Advances upgraded to full standard advances -2472 0-2472 6 Down gradations of restructured accounts -4396 4396 0 7 Write-offs + Closures + Decrease in Outstanding -2990-1626 -4616 8 Total Restructured Accounts as on December 31, 2014 46542 20162 66704 22

Movement of Impaired Assets Rs. In Crores Dec 14 Sep 14 June14 Mar 14 Dec 13 Mar 13 1. Gross Advances 1265483 1242638 1232288 1245122 1183723 1078557 2. Gross NPAs 61991 60712 60434 61605 67799 51189 3. Net NPAs 34469 32997 31884 31096 37167 21956 4. Restructured Standard (as per Revised RBI norms) 5. Total Gross NPAs plus Restructured Std. ( 2+4 ) 6. Total Net NPAs plus Restructured Std. ( 3+4 ) 7. Gross NPA + Restructured Standard to Gross Adv. % ( 5 1 ) 8. Net NPA + Restructured Standard to Gross Adv. % ( 6 1 ) 46542 43962 42236 43051 39404 32228 108533 104674 102670 104656 107203 83417 81011 76959 74120 74147 76571 54184 8.58 8.42 8.33 8.41 9.06 7.73 6.40 6.19 6.01 5.95 6.47 5.02 23

Head Count Staff Strength as on Dec 14 Mar 14 Dec 13 Officers 78691 79755 79780 Assistants 95780 101648 103883 Sub-staff (Others ) 23300 24799 25098 Watch & ward 17230 15831 14575 Total 215001 222033 223336 24

Branch Expansion Dec 14 Mar 14 Dec 13 Mar 13 Branches opened during 9MFY15 Metro Urban Semi-Urban Rural Total 2562 2524 2448 2341 38 (15.8) (15.9) (16.0) (15.8) (11.3) 2981 2890 2782 2624 91 (18.4) (18.2) (18.2) (17.7) (27.0) 4477 4399 4270 4165 78 (27.6) (27.7) (27.9) (28.1) (23.1) 6186 6056 5797 5686 130 (38.2) (38.2) (37.9) (38.4) (38.6) 16206 15869 15297 14816 337 (100.0) (100.0) (100) (100.0) (100.0) Figures in brackets indicate percentage share in total branches 25

Expanding Footprint & Multiple Delivery Channels CAGR : Dec 11-14 Branches 14388 13772 6% 15297 16206 No of Branches added during last one year :909 26814 Group ATMs 27% 43588 30156 54479 Dec 11 Dec 12 Dec 13 Dec 14 Dec 11 Dec 12 Dec 13 Dec 14 Internet Banking Users * Mobile Banking Users* 83 36% 114 165 209 65% 55 86 125 28 Dec 11 Dec 12 Dec 13 Dec 14 Dec 11 Dec 12 Dec 13 Dec 14 * In lacs 26

Expanding Footprint Total no. of POS Terminals Market Share 1% 6645 4% 33759 11% 113999 15%* 181310 Amt of POS txns during the 9 Months(Rs. in Cr) No. of txns during 9 months (in lacs) 5 118 53 1430 192 5365 411 10469 Dec 11 Dec 12 Dec 13 Dec 14 *As on 31.10.2014 YOY Growth % 42% 8018 36% Dec 11 Dec 12 Dec 13 Dec 14 Debit Card Spends : Point of sale & e-commerce Rs. In Crores 10898 51% 16495 40% 23057 Dec 11 Dec 12 Dec 13 Dec 14 Market Share for FY 2014-15(upto Oct 14) Others 29% SBI 22% SBI ABs 3% D 5% A 17% C 15% B 9% Market leader in Debit Card spends over Point of Sale & e-commerce Source: RBI Website 27

Financial Inclusion CAGR : Dec 11-14 Rural Branches 6186 6% 5797 5519 5236 Unbanked Villages Covered 87% 37382 12329 16329 80514 BC Channel transactions # 97% 15662 9230 3550 27109 Dec 11 Dec 12 Dec 13 Dec 14 No. of A/c s through BC Channel* 88% 280 535 Dec 11 Dec 12 Dec 13 Dec 14 RSETIs No. of Candidates Trained 35% 143190 196467 239116 Dec 11 Dec 12 Dec 13 Dec 14 FLCs- No. of outdoor activities undertaken 226% 25776 80 138 96361 747 1977 7208 Dec 11 Dec 12 Dec 13 Dec 14 Dec 11 Dec 12 Dec 13 Dec 14 Dec 11 Dec 12 Dec 13 Dec 14 * In lacs # Amount in crores (during the year) 28

SBI Solo Financials 9MFY15 Rs. In crores /% Solo Dec 14 Dec 13 YOY % / bps ROA (%) 0.68 0.63 + 5 bps ROE (%) 11.12 10.97 +15 bps Earning Per Share (Rs.) 16.72 15.30 9.28% Other Income to Operating Income (%) 25.86 24.75 +111 bps Expenses Ratio (%) 51.25 55.57-432 bps 29

Performance Highlights of Associate Banks Rs. In crores Name 9MFY15 9MFY14 PAT ROE % PAT ROE % SBBJ 497 11.31 494 12.85 SBH 872 13.89 573 9.36 SBM 273 8.54 167 5.57 SBP 236 5.03 206 4.95 SBT 144 4.04 256 8.82 Total ABs 2020 1696 SBI 9360 11.12 7850 10.97 30

Performance Highlights of Non-Banking Subsidiaries Rs. In crores Name 9MFY15 9MFY14 PAT ROE % PAT ROE % SBI Life Insurance Company P Ltd 615 20.60 541 22.37 SBI Capital Markets Ltd 212 23.70 153 19.46 SBI Funds Management P Ltd SBI Cards & Payment Services P Ltd 116 31.58 122 35.14 252 33.65 232 45.12 SBI Group 12300 11.66 10210 11.25 31

SBI Cards & Payments Services Pvt Ltd: Performance highlights for 9M FY 15 Performance 232 PAT 252 13-14 14-15 FY 13-14 Apr-Dec FY 14-15 Apr-Dec Rs. In Crs. YoY% 9% YoY Growth % New Accounts ( 000) 404 475 18% AIF ( 000) 2,259 2,493 10% Total Spends 13,042 17,006 30% Receivables 4,319 5,526 28% Robust business performance New accounts acquisition now on fast track... opened 70K accounts in Dec 14 (highest in 8 years). Net Revenue growth in line with receivables growth @28%. SBI cards ranked No.3 in terms of Cards In Force (CIF) with Market Share of 15% Technology & Investments Online reward redemptions live in Oct 14 Mobile servicing app launched for Android Net Revenue 848 1,084 28% 32

SBI General Insurance Co Ltd : Performance highlights for 9M FY 15 Leading General Insurance Company 2 nd position in Fire among Private Insurers 2 nd position in Personal Accident in the Industry 12 th rank among private players (out of 24 players) Market share moved upwards to 1.67% (industry) and 4% (private) respectively New Initiatives : *25% YOY growth against Industry growth of 9.32% Motor manufacturer tie ups Tie ups with RRBs and NBFCs New Health products launched through Bancassurance channel Accolades : Data Quality Asia Pacific Award 2014 icmg (inter Company Marketing Group) Excellence Award for Enterprise Architecture in 2014 *Company is expected to break even in FY 15-16 GWP: Gross Written Premium 33

SBI Life Insurance Co Ltd : Performance highlights for 9M FY15 Top line growth 11% growth in New Business Premium (NBP) Ranked 3 rd in NBP among Pvt players 33% growth in Renewal Premium 22% growth in Gross Written Premium (GWP) Total market share increased from 3.6% to 4.6% & 15.20% among Pvt players. Financial hi ighlights Net profit grew by 14% to Rs. 615 crs 14% decrease in Opex to GWP ratio Persistency ratio of 71.6% Strong balan nce sheet Assets Under Management up by 22% at Rs. 67,323 crs Solvency ratio of 2.27 as mandate of 1.5 Accumulated profits of Rs. 2,921 crs 34

SBI Funds Management Pvt Ltd : Performance highlights Rs in Crores 600 500 488 464 Financials In INR Crs 400 300 200 100 316 304 116 122 0 Networth Revenue PAT April to Dec 2014 April to Dec 2013 Performance: 62% of AUM in Equity Funds and 92% of the AUM in Fixed Income Funds are in top two quartiles Awards : Voted as Most Trusted Brand 2014 Gold in the category of Investment Banking & Mutual Funds by Readers Digest. Products : PAN INDIA 42 New Funds launched - 1 open ended, 9 close ended funds & 32 Fixed Maturity Plans (FMP) till Dec 2014. Received SEBI approvals for 17 new Equity/Hybrid funds and 15 FMP s New Branches: Opened 52 branches since December 2013 taking the total number of branches to 161 Online Investing & Investor Education: To strengthen online digital strategy, launched a dedicated Online Investment Platform for Institutional Investors in addition to existing online platform for retail investors. Currently have 210,000 investors who have invested through this platform. Conducted 655 Investor Education meets till December 2014. 35

SBI Capital Markets Limited : Performance highlights for 9M FY 15 Awards & Rankings Maintained leadership position in the Project Finance space globally. Ranked as No. 1 Global Mandated Lead Arrangers & Financial Advisor for Project Finance Loans by Dealogic for the fifth consecutive year. No.1 Asia ex Japan Mandated Lead Arrangers by Bloomberg for the sixth year running. "Deal of the Year" Award for 2014 from M&A International Business World-Grant Thornton's 'Top INR Bonds & Loan deal-maker of the year' award. Tata Steel listed in the top Asia Syndicated Loans deals (ex Japan, ex Australia). 450 375 300 225 150 75 0 521 439 Rs in Crores 313 225 212 153 Gross Income PBT PAT Dec 14 Dec 13 36

Balance Sheet (Solo) Rs. In crores YOY Growth LIABILITIES Dec 14 Mar 14 Dec 13 (%) Capital 747 747 684 9.14 Reserves and Surpluses 127805 117536 108232 18.08 Deposits 1510077 1394409 1349940 11.86 Borrowings 181675 183131 189969-4.37 Other Liabilities & Provisions 83290 96413 88886-6.30 Total Liabilities 1903593 1792235 1737711 9.55 ASSETS Dec 14 Mar 14 Dec 13 YOY Growth (%) Cash & balances with RBI 69825 84956 64387 8.45 Balance with banks & money at call and short notice 56398 47594 40265 40.06 Investments 489735 398800 427492 14.56 Net Advances 1232545 1209829 1148901 7.28 Fixed Assets 8757 8002 7799 12.28 Other Assets 46334 43055 48868-5.18 Total Assets 1903593 1792235 1737711 9.55 37

Rs. In crores Balance Sheet (Consolidated) LIABILITIES Dec 14 Mar 14 Dec 13 YOY Growth (%) Capital 747 747 684 9.14 Reserves and Surpluses 159976 146624 136570 17.14 Minority Interest 5363 4909 4876 9.98 Deposits 1969678 1838852 1793136 9.85 Borrowings 220062 223760 231412-4.90 Other Liabilities & Provisions 173101 181090 164159 5.45 Total Liabilities 2528926 2395982 2330838 8.50 ASSETS Dec 14 Mar 14 Dec 13 YOY Growth (%) Cash & balances with RBI 92057 114096 86387 6.56 Balance with banks & money at call and short notice 64182 53066 49901 28.62 Investments 688810 579398 612195 12.51 Net Advances 1607986 1578277 1506210 6.76 Fixed Assets 11628 10560 10430 11.48 Other Assets 64262 60585 65716-2.21 Total Assets 2528926 2395982 2330838 8.50 38

Recent Recognition & Awards Some Recent Awards.. (1/2) Golden Peacock Award for CSR by Institute of Directors, New Delhi Most Valuable Indian Brands 2014 by Brandz Top 50 Environmental Sustainability Award 2014 by BFSI Magazine Asia Sustainability Excellence Award 2014 by World CSR Congress Best in class Corporate Social Responsibility Practices Awards 2014 by CMO Asia Best Bank-Public Sector by BFSI Asia Sustainability Excellence Award 2014 by World CSR Congress Best Trade Finance Provider-India 2015 by Global Finance Magazine Best Trade Finance Bank in India by the Asian Banker Magazine 39

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