Presentation for the Quarter ended 30th September, 2016

1

2

1. M/s A. Bafna & Co., Jaipur 2. M/s Lunawat & Co., New Delhi 3. M/s V.K. Dhingra & Co., New Delhi 4. M/s Sudit K. Parekh & Co., Mumbai 5. M/s V.K. Ladha & Associates, Ujjain

CLUSTER MONITORING OFFICES 21

BRANCHES REVIEWED BY STATUTORY CENTRAL AUDITORS (SCAs) 20*

* Covering 55.79% of Total Advances of the Bank. {Total Audit/review Coverage is 76.66% of Advances which include 421 branches under Concurrent Audit other than top 20 branches reviewed by SCAs}

3

Held by Sep

2015

Mar

2016

Sep

2016

Govt. of India 59.13% 55.17% 58.38%

FPIs & NRIs 10.10% 9.12% 8.34%

Banks/Financial Institutions and Insurance Cos.

10.39% 16.42% 15.31%

Mutual Funds/ UTI & Trusts

10.04% 7.49% 5.61%

Others 10.34% 11.80% 12.36%

58.38%

8.34%

15.31%

5.61% 12.36%

Govt.of India FPIs/NRIs

Banks/FIs/Insurance. cos. Mutual Funds/ UTI & Trusts

Others

4

BUSINESS •Total Business at ` 350204 crore (+0.26%) Y-o-Y •Total Deposits at ` 201538 crore (+1.17%) Y-o-Y •Total Advances at ` 148666 crore (-0.94%) Y-o-Y

Increasing low cost resources (CASA Deposits)

•CASA increased from 24.96% to 26.47% i.e. by 151 bps (Y-o-Y)

•Average CASA for Q2 increased by 12.82% (Y-o-Y) •Average CASA increased by 8.15% for H1 (16-17) as against 3.23% for H1 (15-16). •Average Saving Deposits for Q2 increased by 13.19%(Y-o-Y)

Consistent growth in Retail Term Deposits

(< ` 1 crore) Increased by 9.44% (Y-o-Y)

Increase in Saving Bank Deposits as a % to Total Deposits

Increased from 18.53% to 20.19% (Y-o-Y) i.e. an increase of 166 bps

5

Net Profit Sequentially increased to ` 153.26 crore for Q2

from ` 100.69 crore for Q1 i.e. by 52.21%

NIM Sequentially up from 2.36% (Q1) to 2.66% (Q2)

Non-Interest Income

Increased by 37.41% (Y-o-Y) for Q2.

Cost of Deposits Continues to decline every quarter from 7.30% (Q2 15-16) to 6.51% (Q2 16-17) i.e. by 79 bps

Operating Profit Sequentially up from ` 917.09 crore (Q1 16-17) to ` 955.84 crore (Q2 16-17) i.e. by 4.23%.

6

Parameters Sep-15 Mar-16 Sep-16 Y-o-Y

Growth

Current 12,818 12,821 12643 -1.37%

Savings 36,909 39,869 40,695 10.26%

CASA 49,727 52,690 53,338 7.26%

Average CASA for the quarter 44,565 47,064 50,278 12.82%

CASA % to Total Deposits 24.96% 25.22% 26.47% 151 bps

Retail Term Deposits (below ` 1 Cr.) 80,747 84,811 88,371 9.44%

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

Sep-15 Mar-16 Sep-16

12818 12821 12643

36909 39869

40695

49727 52690 53338

80747 84811 88371

CA SB CASA RTD CA SB CASA RTD CA SB CASA RTD

(` in Crore)

7

CASA as %age to Total Deposits has increased from 24.96% to 26.47% (Y-o-Y), i.e., an increase of 151 bps.

Cost of Deposit for Q2 has declined from 7.30% to 6.51% (Y-o-Y), i.e. a reduction of 79 bps.

7.30%

7.10%

6.87%

6.71%

6.51%

6.00%

6.20%

6.40%

6.60%

6.80%

7.00%

7.20%

7.40%

Sep/15 Dec/15 Mar/16 Jun/16 Sep/16

Cost of Deposit

24.96% 24.70%

25.22%

25.91%

26.47%

23.50%

24.00%

24.50%

25.00%

25.50%

26.00%

26.50%

27.00%

Sep/15 Dec/15 Mar/16 Jun/16 Sep/16

CASA %

8

S. NO.

PARAMETERS Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation

Y-o-Y Q2(16-17)<>

Q1(16-17)

1 INTEREST ON ADVANCES/BILLS 3752.36 3383.07 3355.95 -10.56% -0.80%

2 INTEREST ON INVESTMENTS 1185.82 1296.83 1231.74 3.87% -5.02%

3 OTHER INTEREST INCOME 91.37 99.03 107.59 17.75% 8.64%

4 TOTAL INTEREST INCOME (1+2+3) 5029.55 4778.93 4695.28 -6.65% -1.75%

5 COMM. EXCHG. & BROKERAGE 206.34 246.38 196.26 -4.89% -20.34%

6 TRADING PROFIT FROM TREASURY

128.27 162.63 333.88 160.29% 105.30%

7 OTHER INCOME 89.97 204.76 53.28 -40.78% -73.98%

8 NON INTEREST INCOME (5+6+7) 424.58 613.77 583.42 37.41% -4.94%

9 TOTAL INCOME (4+8) 5454.13 5392.70 5278.70 -3.22% -2.11%

(` in Crore)

9

S. NO.

Parameters Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation Y-o-Y

%

Variation

Q2(16-17)<>

Q1(16-17)

1 Credit Related Income 143.42 151.32 140.91 -1.75% -6.88%

2 Other Commission, Exchange & Brokerage

62.92 95.06 55.35 -12.03% -41.77%

3 Treasury 128.27 162.63 333.88 160.29% 105.30%

4 Profit on Exchange Transactions 28.84 24.37 20.65 -28.40% -15.26%

5 Recovery in Bad Debt Written Off accounts

50.89 146.49 32.03 -37.06% -78.14%

6 Others 10.24 33.90 0.60 -94.14% -98.23%

7 Total Non Interest Income 424.58 613.77 583.42 37.41% -4.94%

(` in Crore)

10

S. NO.

PARAMETERS Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation Y-o-Y

%

Variation

Q2(16-17)<>

Q1(16-17)

1 INTT PAID ON DEPOSITS 3485.70 3424.80 3209.74 -7.92% -6.28%

2 INTT PAID ON BONDS 128.18 141.79 156.50 22.09% 10.37%

3 OTHERS 32.62 7.75 13.41 -58.89% 73.03%

4 TOTAL INTEREST PAID (1+2+3) 3646.50 3574.34 3379.65 -7.32% -5.45%

5 ESTABLISHMENT EXPENSES 450.84 538.31 561.67 24.58% 4.34%

6 OTHER OPERATING EXPENSES 364.30 362.96 381.54 4.73% 5.12%

7 TOTAL OPERATING EXPENSES (5+6)

815.14 901.27 943.21 15.71% 4.65%

8 TOTAL EXPENSES (4+7) 4461.64 4475.61 4322.86 -3.11% -3.41%

(` in Crore)

11

(` in Crore)

S. NO.

PARAMETERS Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation Y-o-Y

%

Variation

Q2(16-17)<>

Q1(16-17)

1 INTEREST INCOME 5029.55 4778.93 4695.28 -6.65% -1.75%

2 INTEREST EXPENSES 3646.50 3574.34 3379.65 -7.32% -5.45%

3 NII (Spread) (1-2) 1383.05 1204.59 1315.63 -4.87% 9.22%

4 NON INTEREST INCOME 424.58 613.77 583.42 37.41% -4.94%

5 OPERATING EXPENSES 815.14 901.27 943.21 15.71% 4.65%

6 OPERATING PROFIT 992.49 917.09 955.84 -3.69% 4.23%

12

(` in Crore)

S.

NO. PARAMETERS

Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation Y-o-Y

%

Variation

Q2(16-17)<>

Q1(16-17)

1 OPERATING PROFIT 992.49 917.09 955.84 -3.69% 4.23%

2 PROVISIONS 691.18 816.40 802.57 16.12% -1.69%

2 a Prov. for Depreciation on Investment

38.87 4.74 55.84 43.66%

2 b Prov. for taxes 121.76 66.00 28.04 -76.97% -57.52%

2 c Prov. for NPA 476.09 960.93 687.48 44.40% -28.46%

2 d Prov. for Standard Assets -1.00 19.00 -52.00

2 e Prov. for Unhedged Forex Exposure

12.17 -5.39 2.47 -79.70% -145.83%

2 f Other Provisions 43.29 -228.88 80.74 86.51% -135.28%

3 Net Profit (1-2) 301.31 100.69 153.27 -49.13% 52.22%

13

S. No.

PARAMETERS Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation

(Y-o-Y)

Variation

Q2(16-17)<>

Q1(16-17)

1 Cost of Deposit 7.30% 6.71% 6.51% -79 bps -20 bps

2 Cost of Funds 6.50% 6.00% 5.79% -71 bps -21 bps

3 Yield on Advances 11.36% 10.61% 10.59% -77 bps -2 bps

4 Yield on Investment (without

Profit) 7.62% 7.49% 7.50% -12 bps 1 bps

5 Yield on Investment (with Profit) 8.44% 8.43% 9.55% 111 bps 112 bps

6 Yield on Funds 8.96% 8.03% 8.04% -92 bps 1 bps

7 Net Interest Margin (NIM) 2.76% 2.36% 2.66% -10 bps 30 bps

14

S. NO.

PARAMETERS Sep-15

Q2

Jun-16

Q1

Sep-16

Q2

Variation

(Y-o-Y)

Variation

Q2(16-17)<>

Q1(16-17)

1 Business per Employee

(` in Crore) 16.41 16.26 15.94 -2.86% -1.97 %

2 Business per Branch

(` in Crore) 152.73 150.92 148.96 -2.47 % -1.30 %

3 Book Value per share [` ] 457.45 399.63 404.25 -11.63% 1.16%

4 Cost to Income Ratio 45.09% 49.56% 49.67% 458 bps 11 bps

5 Return on Equity 8.88% 2.96% 4.41% -447 bps 145 bps

6 Return on Assets 0.54% 0.17% 0.26% -28 bps 9 bps

15

S. No.

PARAMETERS Sep-15

H1

Mar-16

H2

Sep-16

H1

Variation

Y-o-Y %

1 INTEREST ON ADVANCES/BILLS 7594.14 7199.92 6739.02 -11.26%

2 INTEREST ON INVESTMENTS 2352.34 2422.65 2528.57 7.49%

3 OTHER INTEREST INCOME 197.92 291.74 206.62 4.40%

4 TOTAL INTEREST INCOME (1+2+3) 10144.40 9914.31 9474.21 -6.61%

5 COMM. EXCHG. & BROKERAGE 443.97 456.50 442.64 -0.30%

6 TRADING PROFIT FROM TREASURY 229.52 255.40 496.51 116.33%

7 OTHER INCOME 205.02 175.87 258.04 25.86%

8 NON INTEREST INCOME (5+6+7) 878.51 887.77 1197.19 36.28%

9 TOTAL INCOME (4+8) 11022.91 10802.08 10671.40 -3.19%

(` in Crore)

16

S. NO.

Parameters Sep-15

H1

Mar-16

H2

Sep-16

H1

Variation Y-o-Y %

1 Credit Related Income 290.71 297.03 292.23 0.52%

2 Other Commission, Exchange & Brokerage

153.26 159.47 150.41 -1.86%

3 Treasury 229.52 255.40 496.51 116.33%

4 Profit on Exchange Transactions 56.10 49.91 45.02 -19.75%

5 Recovery in Bad Debt Written Off accounts

111.36 122.22 178.52 60.31%

6 Others 37.56 3.74 34.50 -8.15%

7 Total Non Interest Income 878.51 887.77 1197.19 36.28%

(` in Crore)

17

S. No. PARAMETERS Sep-15

H1

Mar-16

H2

Sep-16

H1

Variation Y-o-Y %

1 INTT PAID ON DEPOSITS 7124.48 6926.19 6634.54 -6.88%

2 INTT PAID ON BONDS 254.95 291.37 298.29 17.00%

3 OTHERS 53.41 33.74 21.16 -60.38%

4 TOTAL INTEREST PAID (1+2+3) 7432.84 7251.30 6953.99 -6.44%

5 ESTABLISHMENT EXPENSES 852.85 1178.83 1099.98 28.98%

6 OTHER OPERATING EXPENSES 700.24 726.86 744.50 6.32%

7 TOTAL OPERATING EXPENSES (5+6) 1553.09 1905.69 1844.48 18.76%

8 TOTAL EXPENSES (4+7) 8985.93 9156.99 8798.47 -2.09%

(` in Crore)

18

(` in Crore)

S. NO. PARAMETERS Sep-15

H1

Mar-16

H2

Sep-16

H1

Variation

Y-o-Y %

1 INTEREST INCOME 10144.40 9914.31 9474.21 -6.61%

2 INTEREST EXPENSES 7432.84 7251.30 6953.99 -6.44%

3 NII (Spread) (1-2) 2711.56 2663.01 2520.22 -7.06%

4 NON INTEREST INCOME 878.51 887.77 1197.19 36.28%

5 OPERATING EXPENSES 1553.09 1905.69 1844.48 18.76%

6 OPERATING PROFIT 2036.98 1645.09 1872.93 -8.05%

19

(` in Crore)

S.

NO. PARAMETERS

Sep-15

H1

Mar-16

H2

Sep-16

H1

Variation Y-o-Y

%

1 OPERATING PROFIT 2036.98 1645.09 1872.93 -8.05%

2 PROVISIONS 1477.83 2048.16 1618.97 9.55%

2 a Prov. for Depreciation on Investment

65.15 -9.17 60.58 -7.01%

2 b Prov. for taxes 330.76 -161.00 94.04 -71.57%

2 c Prov. for NPA 1071.84 2536.91 1648.41 53.79%

2 d Prov. for Standard Assets 11.20 -13.00 -33.00 -

2 e Prov. for Unhedged Forex Exposure 11.87 0.86 -2.92 -124.60%

2 f Other Provisions -12.99 -306.44 -148.14 -

3 Net Profit (1-2) 559.15 -403.07 253.96 -54.58%

20

S. No.

PARAMETERS Sep-15

H1

Mar-16

FY

Sep-16

H1

Variation

(Y-o-Y)

1 Cost of Deposit 7.40% 7.19% 6.61% -79 bps

2 Cost of Funds 6.61% 6.43% 5.90% -71 bps

3 Yield on Advances 11.49% 11.52% 10.60% -89 bps

4 Yield on Investment (without Profit) 7.61% 7.57% 7.50% -11 bps

5 Yield on Investment (with Profit) 8.34% 8.32% 8.98% 64 bps

6 Yield on Funds 9.02% 8.78% 8.04% -98 bps

7 Net Interest Margin (NIM) 2.71% 2.66% 2.51% -20 bps

21

S. NO.

PARAMETERS Sep-15

H1

Mar-16

FY

Sep-16

H1

Variation

(Y-o-Y)

1 Book Value per share [` ] 457.45 416.73 404.25 -11.63 %

2 Cost to Income Ratio 43.26% 48.44% 49.62% 636 bps

3 Return on Equity 8.32% 1.18% 3.71% -461 bps

4 Return on Assets 0.50% 0.07% 0.22% -28 bps

22

S. No

PARTICULARS Sept 15 (BASEL III)

Mar 16 (BASEL III)

Jun 16 (BASEL III)

Sept16 (BASEL III)

CAPITAL FUND:-

1 CET - I 13300 14369 14397 14400

2 Tier I 14322 15341 15352 16862

3 Tier II 4119 4484 5440 5113

4 Total (Tier I + Tier II) 18440 19825 20792 21975

5 Risk-weighted Assets 170192 168599 167662 164636

6 Capital Adequacy ratio (%)

10.84% 11.76% 12.40% 13.36%

7 CET – I (%) 7.81% 8.52% 8.59% 8.75%

8 Tier I (%) 8.41% 9.10% 9.16% 10.25%

9 Tier II (%) 2.43% 2.66% 3.24% 3.11%

(` in Crore)

In Q2 of the FY 2016-17, additional Tier-1 Bond of ` 1500.00 Cr raised and Upper Tier-2 capital bonds of ` 500.00 Cr redeemed by exercising call option.

23

(` in Crore)

PARAMETERS Sep-15 Mar-16 June-16 Sep-16

Y-o-Y

% Growth

Total Priority Sector 61401.35 62254.73 59632.45 56197.49 -8.48%

Total Agriculture 25908.54 25957.76 24399.26 24417.05 -5.76%

Micro , Small & Medium Enterprises

27033.60 27511.84 26510.19 23540.16 -12.92%

Weaker Section 15094.79 16220.30 15528.97 15426.76 2.20%

24

SCHEME Sep-15 Mar-16 Jun-16 Sep-16

Y-o-Y

% Growth

Total Retail Credit 17490.35 18617.52 18328.15 19117.13 9.30%

% age to Total Advances 11.65% 12.12% 12.19% 12.86% 121 bps

Out of which -

Housing Loan 11400.27 12702.04 12511.96 12311.14 8.00%

Personal Loan 405.16 467.09 490.71 483.01 19.21%

(` in Crore)

25

PARAMETER 30.09.2015 30.06.2016 30.09.2016 Y-o-Y Growth

Retail 17490 18328 19117 9.30%

% age to Total Advances 11.65% 12.19% 12.86%

Agriculture (excluding RIDF) 21104 20556 20621 -2.29%

% age to Total Advances 14.06% 13.68% 13.87%

MSME (PS+NPS)

(excluding SIDBI Investment) 29371 28958 28423 -3.23%

% age to Total Advances 19.57% 19.27% 19.12%

Total RAM 67965 67842 68161 0.29%

% age to Total Advances 45.29% 45.14% 45.85%

Credit (Other than RAM) 82117 82459 80505 -1.96%

% age to Total Advances 54.71% 54.86% 54.15%

Total Advances 150082 150301 148666 -0.94%

26

Industry Segment

Amt. FB O/s

30.09.16

(` in Crore)

%age to total

Industry

%age to total

Credit

Iron & Steel 10961 24.11% 7.37%

Textile 6906 15.19% 4.65%

Food Processing 4855 10.68% 3.27%

(Out of which Sugar) 871 1.92% 0.59%

All Engg. 3572 7.86% 2.40%

Vehicles, Vehicle Parts & Transport Equipments 1724 3.79% 1.16%

Constructions 1763 3.88% 1.19%

Other Metal & Metal Products 871 1.92% 0.59%

Chemical, Dyes, Paints etc. 1736 3.82% 1.17%

(Out of which Pharmaceuticals) 656 1.44% 0.44%

Paper & Paper Product 1238 2.72% 0.83%

Other Industries 11833 26.03% 7.95%

Total Industry 45459 100.00% 30.58%

NBFC 15120 -- 10.17%

Commercial Real Estate 7616 -- 5.12%

Food Credit 2561 -- 1.72%

Others 77910 -- 52.41%

Gross Advances 148666 -- 100%

27

Break up of exposure to Power Sector

(` in Crore)

Segment 30.09.2015 30.09.2016 Y-o-Y

Total Infrastructure 33151 26582 -19.81%

Out of which:

- Power 19677 13041 -33.73%

- Ports, Roads & Highways 8302 8003 -3.60%

-Telecom 3102 2799 -9.77%

Particular 30.09.2016 % to Total Exp. % to Total Power

Central Govt. 602 0.26% 4.62%

State Govt. 3155 1.35% 24.20%

Private 9284 3.96% 71.18%

Total 13041 5.57% 100.00%

28

As on 30.09.2015 As on 30.09.2016

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 34695.81 14380.48 282.08 49358.37 41394.34 10763.43 25.52 52183.29

NSLR 361.63 7748.17 0.46 8110.26 4689.24 8020.28 729.93 13439.45

TOTAL 35057.44 22128.65 282.54 57468.63 46083.58 18783.71 755.45 65622.74

% to Total Portfolio

61.00% 38.51% 0.49% 100.00% 70.23% 28.62% 1.15% 100.00%

(` in Crore)

29

30.09.2015 30.06.2016 30.09.2016

TOTAL (AFS) 4.32 3.82 3.29

TOTAL PORTFOLIO 4.84 4.68 4.72

30

S.No Particulars (` in Crore)

1 Opening balance as on 01.07.2016 9705

2 Fresh Restructuring during the quarter 0

3 Slippage from Standard Restructured to NPA category 660

4 Up-gradation to Standard Category from NPA 76

5 Up-gradation from Standard Restructured to Standard category due to satisfactory conduct of the account

601

6 Decrease in Outstanding + Closure 903

7 Closing balance as on 30.09.2016 7617

31

(` in Crore)

S.No Particulars O/s as on 30.09.2016 % of total

1 Infrastructure 2496 32.77%

2 Agriculture 1133 14.87%

3 Iron & steel 733 9.62%

4 Sugar 506 6.64%

5 Textiles 105 1.38%

6 Others 2644 34.71%

Total 7617 100.00 %

Break up of Infrastructure Amt in crore

Roads ,Highways & Ports 1125

Power Generation 877

Telecom 159

State Discoms 155

Others 180

Total 2496

32

(` in Crore)

S.

NO. PARAMETERS Sep-15 Mar-16 Jun-16 Sep-16

1 Gross NPA 8557.96 14701.78 17208.91 18382.53

2 Gross NPA as % of Gross Advances

5.70% 9.57% 11.45% 12.36%

3 Net NPA 5189.10 9932.15 11734.30 12748.16

4 Net NPA as a % of Net Advances

3.55% 6.70% 8.11% 8.93%

5 Provision Coverage Ratio 61.53% 51.16% 49.33% 48.47%

33

S.No PARTICULAR Sep-15

(Q-2)

Mar-16

(Q-4)

Jun-16

(Q-1)

Sep-16

(Q-2)

1 Opening Gross NPAs 8577.04 11824.90 14701.78 17208.91

2 Recovery in Ledger Balance 265.27 383.46 258.77 364.01

3 Up gradation 209.42 7.96 265.33 84.01

4 Write Off 314.27 750.88 432.58 520.70

5 Total Reduction (2+3+4) 788.96 1142.30 956.68 968.72

6 Fresh Addition 769.88 4019.18 3463.81 2142.34

7 Closing Gross NPAs 8557.96 14701.78 17208.91 18382.53

8 Provision 3368.86 4769.63 5474.61 5634.37

9 Closing Net NPAs 5189.10 9932.15 11734.30 12748.15

10 Cash Recovery in Revenue 73.03 87.19 167.59 36.61

11 Total Recovery (2+10) 338.30 470.65 426.36 400.62

(` in Crore)

34

S.No PARTICULAR Sep-15

(HY-I)

Mar-16

(HY-II)

Sep-16

(HY-I)

1 Opening Gross NPAs 7666.22 8557.96 14701.78

2 Recovery in Ledger Balance 434.44 714.21 622.78

3 Up gradation 501.58 18.04 349.34

4 Write Off 544.07 1123.53 953.28

5 Total Reduction (2+3+4) 1480.09 1855.78 1925.40

6 Fresh Addition 2371.83 7999.60 5606.15

7 Closing Gross NPAs 8557.96 14701.78 18382.53

8 Provision 3368.86 4769.63 5634.37

9 Closing Net NPAs 5189.10 9932.15 12748.16

10 Cash Recovery in Revenue 349.17 135.89 204.20

11 Total Recovery (2+10) 783.61 850.10 826.98

(` in Crore)

As on 30.09.2015 As on 30.06.2016 As on 30.09.2016

Sector/ Industries

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA

% of NPA to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

Retail 17490 347 1.98% 4.05% 18328 319 1.74% 1.85% 19117 403 2.11% 2.19%

Agriculture

(Excl. RIDF) 21104 1421 6.73% 16.60% 20556 1288 6.27% 7.48% 20621 1423 6.90% 7.74%

MSME (Excl. RIDF

Investments)

29371 1763 6.00% 20.60% 28958 2631 9.09% 15.29% 28423 3038 10.69% 16.53%

Total RAM 67965 3531 5.20% 41.26% 67842 4238 6.25% 24.63% 68161 4864 7.14% 26.46%

Other

Advances 82117 5027 6.12% 58.74% 82459 12970 15.73% 75.37% 80505 13519 16.79% 73.54%

Total

Advances 150082 8558 5.70% 100.00% 150301 17208 11.45% 100.00% 148666 18383 12.36% 100.00%

35

(` in Crore)

As on 30.09.2015 As on 30.06.2016 As on 30.09.2016

Sector/ Industries

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

O/s NPA % of NPA

to O/s

% of NPA to

Gross NPA

Infra Structure 24536 697 2.84% 8.14% 19799 1131 5.71% 6.57% 19073 1617 8.48% 8.80%

Out of above

Infra-Power 14316 281 1.96% 3.28% 9597 599 6.24% 3.48% 8833 825 9.34% 4.49%

Textile 7488 1074 14.34% 12.55% 7270 1860 25.58% 10.81% 6906 1741 25.21% 9.47%

Iron and Steel 10338 999 9.66% 11.67% 10762 6101 56.69% 35.45% 10961 6612 60.32% 35.97%

Food

Processing 5376 452 8.41% 5.28% 5886 530 9.00% 3.08% 4855 408 8.40% 2.22%

NBFC 14773 21 0.14% 0.25% 15724 25 0.16% 0.15% 15120 22 0.15% 0.12%

36

(` in Crore)

37

Category of branch

30.09.2015 30.09.2016

No. of branches

No. of ATMs

No. of branches

No. of ATMs

Metro 482 609 501 643

Urban 580 696 600 698

Semi-Urban 614 661 643 658

Rural 611 585 607 600

TOTAL 2287 2551 2351 2599

Metro 21.31%

Urban 25.52%

Semi-Urban 27.35%

Rural 25.82%

Metro Urban Semi-Urban Rural

BRANCH NETWORK

As on 30.09.2016

38

0

3000

6000

9000

12000

15000

18000

21000

Mar-15 Sep-15 Mar-16 Sep-16

10413 (51%)

11373 (53%)

11414 (53%)

12452 (57%)

6795 (34%)

6985 (33%)

7013 (33%)

6701 (30%)

2992 (15%)

2922 (14%)

3042 (14%)

2815 (13%)

21280 21469

Subordinate

Non-Subordinate (Clerks)

Officers

21968 20200

39

2566

2585

2599

2540

2560

2580

2600

2620

Mar-16 Jun-16 Sep-16

89.15 91.39

93.55

85

90

95

100

Mar-16 Jun-16 Sep-16

13.68

14.24

14.56

13

13.5

14

14.5

15

Mar-16 Jun-16 Sep-16

1.18 1.34

1.52

0

0.5

1

1.5

2

Mar-16 Jun-16 Sep-16

ALTERNATE DELIVERY CHANNELS

40

Tra

nsacti

on

%ag

e

Financial Year

50.6

%, A

DC

Ch

an

nel

53

.44

%, A

DC

Ch

an

ne

l

54.4

3%

AD

C C

ha

nn

el

58.2

9%

AD

C C

ha

nn

el

49

.4%

, Bra

nc

h C

ha

nn

el

46

.56

%, B

ran

ch

Ch

an

ne

l

45

.57

% B

ran

ch

Ch

an

ne

l

41.7

1%

Bra

nc

h C

ha

nn

el

0

10

20

30

40

50

60

70

Mar-15 Sep-15 Mar-16 Sep-16

ADC Channel Branch Channel

FY14-15 HY (FY15-16) FY15-16 HY (FY16-17)

41

• Launch of functionality in Internet Banking to make instant Inter Bank fund transfer and credit to the beneficiary account round the clock 24*7*365 days using IMPS (Immediate Payment Services) P2A (Person to account using IFSC code & Account number) and IMPS P2P (Person to Person using Mobile no. and MMID- Mobile Money Identifier).

• Bank has integrated with Gujarat and Uttarakhand State Taxes, enabling the payment of commercial taxes for mentioned states using Bank’s Internet Banking application.

• The functionality for online submission/ withdrawal of Form 15G/15H in electronic format has been made live in Internet Banking application.

• A functionality has been introduced for Corporate I-Banking customers wherein based on file upload bulk NEFT/ RTGS can be processed using existing validation rules of Corporate ID, User IDs (Maker & Checker), login & transaction passwords. This is to facilitate bulk payments to the beneficiaries using electronic mode.

• In order to enhance the customer service offering, Bank has started the deployment of front access Bunch Note Acceptors (BNA) with recycling capability at branches/ strategic locations.