Presentation on Financial Results – 31 st Dec. 2013

1. Committed to keeping your TRUST Presentation on Financial Results – 31st Dec.2013

2. STATUTORY CENTRAL AUDITORS M/s JAIN KAPILA ASSOCIATES, NEW DELHI M/s P.L. TANDON & CO., KANPUR M/s SHAH & TAPARIA, MUMBAI M/s BANSAL R KUMAR & ASSOCIATES, NEW DELHI M/s R.S.SIPAYYA & CO., NEW DELHI

3. RESULTS AT A GLANCE

4. CASA & RETAIL TERM DEPOSITS (` in Crore)

5. CASA CUSTOMER ACQUISITION

6. INCOME RESULTS AT A GLANCE (9M)

7. BREAK UP OF INCOME (9M) (` in Crore)

8. BREAK UP OF EXPENDITURE (9M) (` in Crore)

9. BREAK UP OF OPERATING PROFIT (9M) (` in Crore)

10. NET PROFIT (9M) (` in Crore)

11. COST & YIELD RATIOS (9M)

12. OTHER RATIOS (9M)

13. BREAK UP OF TOTAL INCOME (Q3) (` in Crore)

14. BREAK UP OF TOTAL EXPENDITURE (Q3) (` in Crore)

15. BREAK UP OF OPERATING PROFIT (Q3) (` in Crore)

16. NET PROFIT (Q3) (` in Crore)

17. COST & YIELD RATIOS (Q3)

18. BREAK UP OF CREDIT (` in Crore)

19. PRIORITY SECTOR ADVANCES (` in Crore) *Includes ` 430 Crore under Non Priority Sector

20. RETAIL CREDIT (` in Crore) Retail Credit as a % of Total Advances has increased to 11.75% as on Dec-13

21. BREAK-UP OF RETAIL CREDIT (` in Crore)

22. SECTORALADVANCES

23. OUTSTANDING ADVANCES – INDUSTRY-WISE BREAK-UP

24. EXPOSURE TO INFRASTRUCTURE (` in Crore) Break up of exposure to Power Sector

25. EXPOSURE TO POWER SECTOR (` in Crore)

26. INVESTMENT PORTFOLIO BREAK UP (` in Crore)

27. RISK PARAMETER/YIELD INVESTMENT PORTFOLIO *Excluding RIDF

28. STANDARD RESTRUCTURED ACCOUNTS (` In Crore)

29. STANDARD RESTRUCTURED ACCOUNTS SECTOR WISE (` in Crore) • Breakup of State Discoms • Rajasthan Discom : 1,379 • U P Discom : 486 • Haryana Discom : 51 • Tamil Naidu : 37

30. STANDARD RESTRUCTURED ACCOUNTS ACTIVITY WISE (` in Crore)

31. NPA (` in Crore)

32. NPA MOVEMENT (Q3) (` in Crore)

33. NPA MOVEMENT (9M) (` in Crore)

34. IMPAIRED ASSETS (` in Crore)

35. CAPITAL ADEQUACY (BASEL II & III) (` in Crore)

36. SHAREHOLDING PATTERN On 12.12.2013, Govt. of India infused capital funds of ` 150 crore by way of preferential allotment of equity shares.

37. BRANCH EXPANSION 2089 2000 1772 Rural Semi-Urban Urban Metro 89 new branches opened during FY 13-14, out of which 49 branches opened in rural centres (35 unbanked) & 25 in semi-urban centres.

38. ALTERNATE DELIVERY CHANNELS ATM Cardbase (Lacs) ATMs Customers registered for SMS alerts (Lacs) I-Bnkg Customers (Lacs) MobileBnkg Customers (Lacs)

39. HUMAN RESOURCES 16618 • 1324 personnel recruited during 2013-14 (9 months) [252 POs., 46 Specialist Officers, 886 Clerks & 140 Sub staff] • The Bank has planned to recruit 124 more personnel during Q4 [21 POs, 62 Clerks & 41 Sub Staff)]

40. CORPORATE SOCIAL RESPONSIBILITY • Distributed of the Solar lanterns to the students in Rural & Semi Urban centers in Bangalore region under 'Light for Education' programme. • For the development of the sports activities among the school going children, support has been given to “Subroto Cup International Football Tournament” and also to “Sub-Junior Under 15 Girls National Hockey Championship” at Bassi Pathana in Punjab. • The Bank has adopted 10 orphan Girl Children from St. Michael's Hostel, and has paid for their Boarding, Lodging, Education, Medical, and other needs. • The Bank has adopted 3 poor girls orphaned in Uttarakhand calamity. The Bank will bear the cost towards Boarding, Lodging, Education, Medical and other needs till they pass class XII. • The Bank has donated a Maruti Eeco Van to AWWA to facilitate the war-widows, poor ladies and differently-able ladies to reach the project site –Aahwan. The Eeco Van also helps in transporting the products to selling points situated in Delhi & NCR. • Donation of uniforms, stationery items to poor and needy students at ‘Aarohan’ in association with ‘Jagruti- a social venture by Oriental Bank Family’. • So far the Bank has contributed over `5 Crore towards CSR activities in FY 13-14 including employees’ contribution of `2.19 Crore to the Prime Minister’s National Relief Fund for the relief of flood victims of Uttarakhand.

41. NEW INITIATIVES • For improving the control and enabling the bank to expand in newer areas, new Regional Office at Raipur opened (Total Regional Offices – 34) • 30 new branches opened & 132 new ATMs installed during Q3 (Total delivery channels as on 31.12.2013 : 3918 (2089 Brs + 1829 ATMs) • Reduction in intt. rate on Advances to MSME to augment credit flow to manufacturing & services sector • Reduction in intt. Rate on Personal Loans, Auto/Taxi, Light & Heavy & Light Commercial Vehicle Loans to boost credit flow to the consumer segment • 2 new SB deposit schemes viz. “OBC Diamond Saving Deposits Account” & “OBC Platinum Saving Deposit Account” introduced with attractive features • To bring more security to card based transactions, Bank launched EMV compliant (chip based) VISA International Gold Debit Card • Implementation of One Time Password (OTP) for strengthening 3rd party I-Banking transactions • Launch of Smart Monthly Income Plan of CHOICe (Joint Venture Insurance Co.) • On Republic Day (26th January 2014), Bank launched 3 new facilities for customers : Aadhar based e-KYC, Public Provident Fund A/c, Senior Citizens Saving Scheme

42. CORPORATE VISION • VISION STATEMENT • TO BE A CUSTOMER FRIENDLY PREMIER BANK COMMITTED TO ENHANCING STAKEHOLDERS VALUE. • MISSION STATEMENT • Provide quality , Innovative services with state-of-the-art technology in line with customer expectations. • Enhance employees’ professional skills and strengthen cohesiveness. • Create wealth for customers and other stakeholders.