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PERFORMANCE HIGHLIGHTS March 2010

PERFORMANCE HIGHLIGHTS March 2010. 3 Major Milestones Crossed. FINANCIAL HIGHLIGHTS. GROSS PROFIT GROWTH FY10. ROBUST NET PROFIT GROWTH FY10. CONSISTENT PROFIT GROWTH LAST FIVE YEARS. NET PROFT (Rs. in Crore). PROFIT GROWTH. Amt. in Rs. Crore. PROVISIONS: FY10. Amt. in Rs. Crore.

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PERFORMANCE HIGHLIGHTS March 2010

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  1. PERFORMANCE HIGHLIGHTS March 2010

  2. 3 Major Milestones Crossed

  3. FINANCIAL HIGHLIGHTS

  4. GROSS PROFIT GROWTH FY10

  5. ROBUST NET PROFIT GROWTH FY10

  6. CONSISTENT PROFIT GROWTH LAST FIVE YEARS NET PROFT (Rs. in Crore)

  7. PROFIT GROWTH Amt. in Rs. Crore

  8. PROVISIONS: FY10 Amt. in Rs. Crore

  9. INCOME Amt. in Rs. Crore Good Growth in Non-Interest Income

  10. MAJOR COMPONENTS OF INCOME Interest Income continues to drive growth in income .. over 60% of earnings from int on advances March 2009 March 2010

  11. BREAK-UP OF OTHER INCOME Rs. in Crore

  12. MEASURES TO AUGMENTNON INTEREST INCOME

  13. EXPENDITURE Amt. in Rs. Crore Full Prov. Wage Revision Made

  14. EARNINGS PROFILE Amt. in Rs. Crore NIM sustained

  15. ASSET QUALITY Provision Coverage Ratio at 77.71%

  16. COMFORTABLE CAPITAL POSITION Adequate Headroom for Capital Augmentation

  17. CAPITAL ADEQUACY – Basel II 9.0% Minimum Total CRAR (7623) (7362) (2940) (6925) (7250) 6.0% Minimum Tier I CRAR (12870) (10023) (6738) (7850) (8148) Total CRAR % 11.22% 13.50% 13.25%* 14.10* 13.43* * Mar’08 onwards - as per Basel II (Figures in the brackets are amt. in Rs. Crore)

  18. DECLINE IN COST-INCOME RATIO (%)

  19. EARNINGS PROFILE • The Bank continued to sustain high levels of earnings. Book Value and Earnings Per Share show consistent rise, year on year

  20. VALUE FOR STAKEHOLDERS Dividend ... Progressive Return for the Shareholders

  21. SHARE HOLDING PATTERN As on Mar 31, 2010

  22. FINANCIAL HIGHLIGHTS: Q4 FY10

  23. PROFIT GROWTH Amt. in Rs. Crore Net Profit lower due to lesser trading profit and higher provision

  24. PROVISIONS : Q4 FY10 Amt. in Rs. Crore

  25. INCOME Amt. in Rs. Crore Treasury Income impacted by rising Gsec Yield

  26. EXPENDITURE Amt. in Rs. Crore

  27. EARNINGS PROFILE Amt. in Rs. Crore Sustenance of NIM

  28. PROFITABILITY RATIOS (%)

  29. PRODUCTIVITY RATIOS Highest Per Branch Business amongst Peers

  30. BUSINESS HIGHLIGHTS: FY10

  31. TOTAL ASSETS Significant Jump in Asset size

  32. TOPLINE GROWTH Total Business added during FY 2010 over Rs.78500 Crore

  33. BUSINESS PROFILE Amt. in Rs. Crore Total Business Crossed Rs. 4 lakh crore Addition of over Rs.78500 Cr

  34. CORE DEPOSITS GROWTH Amt. in Rs. Crore Highest Per Branch CASA Deposit among Peers

  35. CREDIT FOCUS Amt. in Rs. Crore Well Diversified Credit Portfolio Focus on Productive Sectors

  36. PRIORITY SECTOR (Amt. in Rs. Crore) Surpassed 18% Adjusted Net Bank Credit (ANBC) Norm in Agriculture

  37. INVESTMENT PORTFOLIO Amt. in Rs. Crore Figures in the brackets are percentage shares in total

  38. DURATION OF INVESTMENT PORTFOLIO Duration of AFS book and Total Investment book Modified Duration of AFS book and Total Investment book

  39. Beyond Numbers

  40. EXPANDING THE REACH

  41. DEDICATING 104 BRANCHES TO THE NATIONON 19th Nov’ 2009 Inauguration of 104 branches across India by Hon’ble Union Finance Minister in New Delhi

  42. 4th OVERSEAS BRANCH AT LEICESTER, UK C&MD Shri A.C Mahajan inaugurated the Branch on 12.04.2010 in presence of Lord Mayor of Leicester.

  43. EXPANDED CLIENTELE BASE Over 37 million strong clientele base

  44. INFOTECH PROGRESS 90% Business under Core Banking Solution

  45. AWARDS/ACCOLADES

  46. FUTURE PLANS

  47. THANK YOU

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