ANALYST PRESENTATION 31st December, 2011

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11. Highlights Business touched `5,403,668 Mn ( YoY Growth 21.35%) Deposits stood at `3,072,523 Mn (YoY Growth 21.67%) CASA at 32.41% Advances at `2,331,146 Mn (YoY Growth 20.94%) Operating Profit increased from ` 13,888 Mn to `17,319 Mn (YoY Growth 24.69%) Net Profit Increased from `6,532 Mn to `7,162Mn (YoY Growth 9.64%) Net Interest Margin increased from 2.44% to 2.55% (Sequentially) Non Interest Income increased from ` 6,482 Mn to ` 8,522 Mn (YoY Growth 31.48%) Gross NPA ratio decreased from 3.02% in Sept 11 to 2.74% in Dec 11 Net NPA ratio decreased from 1.98% in Sept 11 to 1.78% in Dec 11 Cost to income ratio reduced from 47.30% in Dec 10 to 40.68% in Dec 11 ROA improved from 0.56% in Sept 11 to 0.80% in Dec 11 ROE improved from 12.07% in Sept 11 to 16.97% in Dec 11 11

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14. Domestic Deposits (CASA)

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18. Key Sectors (Domestic Credits) 18

19. Domestic Credit 19

20. 20 Sector Wise Breakup (Non Food Credit)

21. Industry Wise Credit 21

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24. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 24

25. MOVEMENT OF NPA IN RESTRUCTURED ACCOUNTS 25

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28. Sector-wise breakup of restructured accounts Slipped to NPA (>10 Mn) (Domestic) 28

29. NPA Movement 29

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37. Business Ratios – Quarterly Comparison 37

38. Investments 38

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