Strong National Network

2. Strong National Network FY – Fiscal year ended March 31 Branch classification All branches linked online, real time 55% of total branches (40% in Mar ‘11) in Semi- urban and Rural locations Customer base of over 28 million, new customer acquisition of 3 million in FY 2014

3. High Quality Deposit Franchise Indian GAAP figures. Fiscal year ended 31st March; FCNR – Foreign Currency Non-Resident Core CASA ratio based on daily average balances for the year ₹ - Rupees Total Deposits Healthy proportion of CASA (current & savings) deposits Floats from multiple transactional banking franchises Provides customer base for ongoing cross-sell through branches Raised US$ 3.4 billion FCNR deposits and swapped into rupees at a concessional rate with RBI in November 2013 Core CASA Ratio Average Saving Balance per Account

4. Low Funding Costs – Healthy Margins Indian GAAP figures. Fiscal year ended 31st March Cost of Deposits Amongst the lowest deposit costs in the industry Healthy margins – relatively stable across interest rate and economic cycles Average yields supported by higher proportion & product mix of retail loans Net Interest Margin

5. Strong Non-Funded Revenues Indian GAAP figures ; FY - Fiscal Year ended 31st March. * Recoveries includes miscellaneous income ₹ - Rupees Other Income (non-fund revenues) at 30% of Net Revenues in FY 2014 Composition of Other Income in FY 2014: • Fees and commission 72%, • FX and Derivatives Revenues 18%, • Recoveries from written-off accounts 9%, • Profit / Loss on sale of Investments 1% Multiple sources of fees & commissions: Banking charges (Retail & Wholesale) Retail Asset Fees Credit card Fees Third party product sales Cash management Trade Finance Depositary charges Custody

6. Leveraging Technology Multiple Delivery Channels % Customer Initiated Transactions by Channel Greater Choice and Convenience for Our Retail Customers The charts above cover only transactions initiated by our own customers at our channels and which could have been transacted at the Bank‟s branches. Transactions such as (a) SMS alerts sent to customers, (b) point of sale (POS) transactions, and (c) transactions by holders of other banks‟ cardholders have therefore been excluded. Apps include Micro/Lite App, Smart Phone App and Tablet App Central / Regional Processing Units Economies of Scale; Branch focus: Sales & Service Electronic Straight Through Processing Lower Transaction Costs & Error Rates Data Warehousing, CRM, Analytics Higher Sales & Credit Efficiencies, Cross-sell Innovative Technology Applications Enable new Products / Channels including Apps

7. Healthy Asset Quality Indian GAAP figures. Fiscal year ended 31st March. Net Non Performing Assets (NPA) = Gross NPA less specific loan loss provisions ₹ - Rupees NPA% to Advances Amongst the best portfolio quality (wholesale & retail) in the industry Strong credit culture, policies, processes Specific provision cover at 73% of NPAs, total coverage ratio over 100% Restructured loans at 0.2% of the Bank's gross advances as on March 31, 2014 Floating provisions at `18.4 Bn as on March 31, 2014 NPA rate lower than 10 year average even in current challenging environment Loan Loss Provisions

8. Net Profit Consistent Financial Performance Indian GAAP figures. Fiscal year ended 31st March EPS ROA

9. Banking on Rural India Micro branches are primarily two member branches to expand and deepen the penetration in the rural market including in unbanked areas. Banking Services for the rural eco-system through customized loan and deposit products whilst maintaining credit standards Loan Products Pre and Post Harvest Credit / Kisan Card Tractor Loans Local Government Individuals Small Working Capital Loan Sustainable Livelihood Banking Liability Products Regular / Basic Savings Bank Deposit Account Self Help Groups Food Processors Term / Micro deposits Micro Recurring Deposits Other banking products Life and General Insurance Payment ecosystem Farmer Intermediaries (Arhatiyas, traders) Rural banking products offered through traditional and micro branches in the deeper geography of the country

10. Subsidiary Companies ₹ - Rupees FY 2014 – Fiscal year ended March 31, 2014; LAP – Loan Against Property; CV/CE – Commercial Vehicle and Construction Equipment Loans; PL – Personal Loans HDB Financial Services Limited AXIS Securities Limited NBFC catering to certain customer segments not served by the Bank Main Products: Retail (LAP, CV/CE, PL), Insurance services and Collection services Network of 275 branches FY 2014 - Loan book : ₹133.9 Bn, Net Profit : ₹2.1 Bn FY 2014 - Gross NPA : 0.81%, Capital adequacy ratio (CAR) : 18.4% Amongst the leading equity brokerages in the country Over190 branches and 1.9 million customers Revenues from equity broking as well as distribution of financial products FY 2014 - Net Profit : ₹ 784 million

11. Contents Well positioned across GDP spectrum Meeting Diverse Customers’ Needs Unique Franchise in the Indian Banking Sector Key Business Initiatives Financial Highlights Value Proposition

12. Key Financials Indian GAAP figures (` Mn) , ₹ - Rupees. ₹. In million

13. Financial Highlights - Quarter ended March 2014 Indian GAAP figures (Bn =Billion); ₹ - Rupees; Net NPA = Gross NPA less specific loan loss provisions; * Foreign Currency Non-Resident deposits ** Capital adequacy ratio computed as per RBI‟s Basel III regulations Comparisons are with respect to corresponding figures for the quarter ended March 31, 2013 Deposits up by 24.0% to ₹3,673 Bn Gross advances increased by 26.4% to ₹3,050 Bn Net Interest Margin at 4.4% Cost-to-income ratio at 45.7% Profit before tax up by 31.2% to ₹34.9 Bn Net profit up by 23.1% to ₹23.3 Bn Gross NPA / gross advances at 1.0% Net NPA / net advances at 0.3% Capital adequacy ratio (CAR)** - Total 16.1% of which Tier I at 11.8%