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

REGIONAL OFFICES 34

BRANCHES AUDITED BY STATUTORY CENTRAL AUDITORS (SCAs) 20

BRANCHES AUDITED BY STATUTORY BRANCH AUDITORS (SBAs)

1246

3

Mar

2015

Mar

2016

Govt. of India 59.13%

FIIs & NRIs 10.03%

Banks/Financial Institutions and Insurance Cos.

14.55%

Others 16.29%

59.13% 12.13%

10.97%

17.77%

Govt. FIIs/NRIs Banks/Inst./Ins. co. Others

3

Mar

2015

Mar

2016

Govt. of India 59.13% 55.17%*

FPIs & NRIs 12.13% 9.12%

Banks/Financial Institutions and Insurance Cos.

10.97% 16.42%

Mutual Funds/ UTI & Trusts 10.38% 7.49%

Others 7.39% 11.80%

55.17%9.12%

16.42%

7.49%11.80%

Govt.of India

FPIs/NRIs

Banks/FIs/Insurance. cos.

Mutual Funds/ UTI & Trusts

*Reduction in Govt. of India shareholding is due to raising of additional capital of `178.40 crore by wayof preferential allotment of equity shares to LIC. Accordingly, LIC shareholding has increased to 14.5%

The Bank has raised capital of ` 300.00 crore by way of preferential allotment of equity shares to GoIon 06.05.2016. Accordingly, the Govt. of India shareholding now stands increased to 58.38%.

4

0

500

1000

1500

2000

2500

Mar-13 Mar-14 Mar-15 Mar-16

430 (22%)

434 (21%)

476 (21%)

502 (21%)

541 (27%)

560 (26%)

576 (26%)

601 (26%)

561 (28%)

600 (28%)

610 (27%)

642 (27%)

468 (23%)

532 (25%)

589 (26%)

606 (26%)

2000 2126

2251 2351

Rural

Semi-Urban

Urban

Metro

5

PARAMETER ` in Crore YoY Growth

Total Business 362554 2.98%

Total Deposits 208915 2.40%

Total Advances 153639 3.78%

Retail Term Deposits (below ` 1 Crore)

84811 12.27%

Retail Credit 18618 17.94%

Total Assets 237542 3.05%

6

PARAMETER Q3 2015-16 Q4 2015-16 VARIATION

Total Income 5350.48 5451.60 1.89%

Other Income 394.52 493.25 25.03%

Net Interest Income (NII) 1309.32 1353.69 3.39%

Operating Profit 766.36 878.73 14.66%

Net Profit -424.69 21.62 --

Net Interest Margin (NIM) 2.57% 2.65% 8 bps

Cost of Deposit 7.10% 6.87% -23 bps

Cost to Income Ratio 55.02% 52.42% -260 bps

Cash Recovery & Upgradation 389.53 478.61 22.86%

7

PARAMETERS Mar-15 Mar-16 Y-o-Y % Growth

Current Deposits 12839 12821 -0.14%

Savings Deposits 36526 39869 9.15%

CASA Deposits 49365 52690 6.74%

CASA % to Total Deposits 24.20% 25.22% 102 bps

Retail Term Deposits (below ` 1 Crore)

75539 84811 12.27%

Other Term Deposits (1 Crore & above) including CDs

79106 71413 -9.72%

Total Deposits 204010 208915 2.40%

` in crore

8

(Accounts in Lacs)

4.50

5.00

5.50

Mar-13 Mar-14 Mar-15 Mar-16

4.85

5.14

5.41 5.70

0

50

100

150

200

Mar-13 Mar-14 Mar-15 Mar-16

137.26 160.13

189.38 197.72

0

50

100

150

200

250

Mar-13 Mar-14 Mar-15 Mar-16

142.11 165.27

194.79 203.42

30

35

40

45

50

Mar-13 Mar-14 Mar-15 Mar-16

43.00 46.08

48.62 49.67

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

No

. of

Acc

ou

nts

in L

acs

9

S. NO.

PARAMETERS Mar-15

Q4 Dec-15

Q3 Mar-16

Q4 Variation Mar-15

FY Mar-16

FY Variation

Y-o-Y Y-o-Y Q4<>Q3

1 INTEREST ON ADVANCES/BILLS

3748.32 3662.95 3536.97 -5.64% -3.44% 15144.99 14794.06 -2.32%

2 INTEREST ON INVESTMENTS 1189.01 1199.76 1222.89 2.85% 1.93% 4315.67 4774.99 10.64%

3 OTHER INTEREST INCOME 153.53 93.25 198.49 29.28% 112.86% 500.72 489.66 -2.21%

4 TOTAL INTEREST INCOME (1+2+3)

5090.86 4955.96 4958.35 -2.60% 0.05% 19961.38 20058.71 0.49%

5 COMM. EXCHG. & BROKERAGE

250.90 205.56 250.94 0.02% 22.08% 910.79 900.47 -1.13%

6 TRADING PROFIT FROM TREASURY

221.73 118.20 137.20 -38.12% 16.07% 613.51 484.92 -20.96%

7 OTHER INCOME 155.90 70.76 105.11 -32.58% 48.54% 597.10 380.89 -36.21%

8 NON INTEREST INCOME (5+6+7)

628.53 394.52 493.25 -21.52% 25.03% 2121.40 1766.28 -16.74%

9 TOTAL INCOME 5719.39 5350.48 5451.60 -4.68% 1.89% 22082.78 21824.99 -1.17%

(` in Crore)

10

S. NO.

Parameters Mar-15

Q4 Dec-15

Q3 Mar-16

Q4

Variation Mar-15 FY

Mar-16 FY

Variation Y-o-Y Y-o-Y Q4<>Q3

1 Credit Related Income 174.06 138.33 161.49 -7.22% 16.74% 603.10 587.74 -2.55%

2 Other Commission, Exchange & Brokerage

76.84 67.23 89.45 16.41% 33.05% 307.69 312.73 1.64%

3 Treasury 221.73 118.20 137.20 -38.12% 16.07% 613.51 484.92 -20.96%

4 Profit on Exchange Transactions

24.01 23.05 26.86 11.87% 16.53% 120.11 106.01 -11.74%

5 Bad Debts W/off earlier recovered

126.81 45.65 76.57 -39.62% 67.73% 431.19 233.58 -45.83%

6 Others 5.08 2.06 1.68 -66.93% -18.45% 45.80 41.30 -9.83%

7 Total Non Interest Income

628.53 394.52 493.25 -21.52% 25.03% 2121.40 1766.28 -16.74%

(` in Crore)

11

S. No

PARAMETERS Mar-15

Q4 Dec-15

Q3 Mar-16

Q4

Variation Mar-15 FY

Mar-16 FY

Variation Y-o-Y Y-o-Y Q4<>Q3

1 INTT PAID ON DEPOSITS 3644.61 3480.10 3446.09 -5.45% -0.98% 14302.57 14050.67 -1.76%

2 INTT PAID ON BONDS 120.79 144.61 146.76 21.50% 1.49% 417.54 546.32 30.84%

3 OTHERS 27.78 21.93 11.81 -57.49% -46.15% 157.08 87.15 -44.52%

4 TOTAL INTEREST PAID (1+2+3)

3793.18 3646.64 3604.66 -4.97% -1.15% 14877.19 14684.14 -1.30%

5 ESTABLISHMENT EXPENSES

396.41 576.51 602.32 51.94% 4.48% 1637.46 2031.68 24.08%

6 OTHER OPERATING EXPENSES

314.14 360.97 365.89 16.47% 1.36% 1341.06 1427.10 6.42%

7 TOTAL OPERATING EXPENSES (5+6)

710.55 937.48 968.21 36.26% 3.28% 2978.52 3458.78 16.12%

8 TOTAL EXPENSES (4+7) 4503.73 4584.12 4572.87 1.54% -0.25% 17855.71 18142.92 1.61%

(` in Crore)

12

(` in Crore)

S. NO.

PARAMETERS Mar-15

Q4 Dec-15

Q3 Mar-16

Q4

Variation Mar-15

FY Mar-16

FY Variation

Y-o-Y Y-o-Y Q4<>Q3

1 INTEREST INCOME 5090.86 4955.96 4958.35 -2.60% 0.05% 19961.38 20058.71 0.49%

2 INTEREST EXPENSES 3793.18 3646.64 3604.66 -4.97% -1.15% 14877.19 14684.14 -1.30%

3 NII (Spread) (1-2) 1297.68 1309.32 1353.69 4.32% 3.39% 5084.19 5374.57 5.71%

4 NON INTEREST INCOME 628.53 394.52 493.25 -21.52% 25.03% 2121.40 1766.28 -16.74%

5 OPERATING EXPENSES 710.55 937.48 968.21 36.26% 3.28% 2978.52 3458.78 16.12%

6 OPERATING PROFIT 1215.66 766.36 878.73 -27.72% 14.66% 4227.07 3682.07 -12.89%

13

(` in Crore)

S.

NO. PARAMETERS

Mar-15 Q4

Dec-15 Q3

Mar-16 Q4

Mar-15 FY

Mar-16 FY

Variation Y-o-Y

1 OPERATING PROFIT 1215.66 766.36 878.73 4227.07 3682.07 -12.89%

2 PROVISIONS 1394.10 1191.05 857.11 3729.99 3525.99 -5.47%

2 a Prov. for Depreciation on Investment

45.84 -0.25 -8.92 61.05 51.74 -15.25%

2 b Prov. for Depreciation on Investment- ARCIL (FY 13-14)

280.43 0.00 0.00 280.43 0.00

2 c Prov. for taxes 7.10 8.00 -169.00 137.70 169.76 23.28%

2 d Prov. for NPA 564.92 1450.40 1086.51 1991.26 3608.75 81.23%

2 e Prov. for Standard Assets 159.00 -63.00 50.00 318.00 -1.80 -100.57%

2 f Prov. for Wage Revision 201.74 0.00 0.00 309.74 0.00

2 g Prov. for Unhedged Forex Exposure

2.41 1.06 -0.20 11.13 12.73 14.38%

2 h Other Provisions 132.66 -205.16 -101.28 620.68 -315.19 -150.78%

3 Net Profit (1-2) -178.44 -424.69 21.62 497.08 156.08 -68.60%

14

S. N.

PARAMETERS Mar-15

Q4

Dec-15

Q3

Mar-16

Q4

Mar-15

FY

Mar-16

FY

1 Cost of Deposit 7.67% 7.10% 6.87% 7.69% 7.19%

2 Cost of Funds 6.75% 6.34% 6.18% 6.86% 6.43%

3 Yield on Advances 11.57% 11.01% 10.78% 11.73% 11.52%

4 Yield on Investment

(without Profit) 7.59% 7.55% 7.51% 7.55% 7.57%

5 Yield on Investment

(with Profit) 8.98% 8.28% 8.33% 8.58% 8.32%

6 Yield on Funds 9.06% 8.61% 8.50% 9.21% 8.78%

7 Net Interest Margin 2.58% 2.57% 2.65% 2.61% 2.66%

15

S. NO.

PARAMETERS

Mar-15

Q4

Dec-15

Q3

Mar-16

Q4

Mar-15

FY

Mar-16

FY

1 Business per Employee

(` in Crore) 17.43 16.59 16.89 17.43 16.89

2 Business per Branch

(` in Crore) 156.40 152.69 154.21 156.40 154.21

3 Book Value per share [` ] 438.80 441.72 416.72 438.80 416.72

4 Cost to Income Ratio 36.89% 55.02% 52.42% 41.34% 48.44%

5 Return on Equity -5.51% -12.60% 0.65% 3.86% 1.18%

6 Return on Assets -0.32% -0.74% 0.04% 0.23% 0.07%

16

S. No

PARTICULARS Mar 15 (BASEL III)

Dec 15 (BASEL III)

Mar 16 (BASEL III)

CAPITAL FUND:-

1 CET - I 12853 12911 14369

2 Tier I 13869 13946 15341

3 Tier II 4252 5062 4484

4 Total (Tier I + Tier II) 18121 19008 19825

5 Risk-weighted Assets 158945 170692 168599

6 Capital Adequacy ratio (%) 11.41% 11.14% 11.76%

7 CET – I (%) 8.09% 7.56% 8.52%

8 Tier I (%) 8.73% 8.17% 9.10%

9 Tier II (%) 2.68% 2.97% 2.66%

(` in Crore)

17

(` in Crore)

S. NO.

PARAMETERS Mar-15 %

ANBC Mar-16

% ANBC

Y-o-Y

% Growth

1 Total Priority Sector 57112.93 39.42% 62254.73 41.05% 9.00%

2 Total Agriculture 22541.44 15.56% 25957.76 17.11% 15.16%

3 Micro ,Small & Medium

Enterprises 26268.37 - 27511.84 - 4.73%

4 Weaker Section 14899.73 10.28% 16220.30 10.69% 8.86%

5 Minority Community 8677.35 - 8788.69 - 1.28%

18

SCHEME Mar-15 Mar-16 Y-o-Y

% Growth

Total Retail Credit 15785.66 18617.52 17.94%

% age to Total Advances 10.66% 12.12%

Out of which -

Housing Loan 10493.53 12702.04 21.05%

Personal Loan 392.58 467.09 18.98%

(` in Crore)

19

PARAMETER Mar-15 Mar-16 Y-o-Y Growth

Retail 15786 18618 17.94%

% age to Total Advances 10.66% 12.12%

Agriculture (excluding RIDF) 18093 21580 19.27%

% age to Total Advances 12.22% 14.05%

MSME (PS+NPS) 33093 30699 -7.23%

% age to Total Advances 22.35% 19.98%

Total RAM 66972 70897 5.86%

% age to Total Advances 45.24% 46.14%

Credit (Other than RAM) 81067 82742 2.07%

% age to Total Advances 54.76% 53.86%

Total Advances 148039 153639 3.78%

Retail credit has been re-adjusted as per bank’s new MSME schemes. Foods and Agro Processing units upto Rs.100 crore from the banking industry are now classified as Agriculture as per RBI guidelines dated 23.04.2015.

20

Industry Segment

Amt. FB O/s

31.03.16

(` in Crore)

%age to total

Industry

%age to total

Credit

Iron & Steel 10854 22.59% 7.06%

Textile 7622 15.86% 4.96%

Food Processing 5825 12.12% 3.79%

(Out of which Sugar) (1075) (2.24)% (0.70)%

All Engg. 2952 6.15% 1.92%

Vehicles, Vehicle Parts & Transport Equipments 1884 3.92% 1.23%

Constructions 1690 3.52% 1.10%

Other Metal & Metal Products 870 1.81% 0.57%

Chemical, Dyes, Paints etc. 1741 3.62% 1.13%

(Out of which Pharmaceuticals) (688) (1.43)% (0.45)%

Paper & Paper Product 1525 3.17% 0.99%

Other Industries 13081 27.24% 8.52%

Total Industry 48044 100.00% 31.27%

NBFC 16812 -- 10.94%

Commercial Real Estate 8126 -- 5.29%

Food Credit 2488 -- 1.62%

Others 78169 -- 50.88%

Gross Advances 153639 -- 100.00%

21

Break up of exposure to Power Sector

(` in Crore)

Segment 31.03.2015 31.03.2016 Y-o-Y

Total Infrastructure 33510 29441 -12.14%

Out of which:

- Power 19833 15248 -23.12%

- Ports, Roads & Highways 7552 8433 11.67%

-Telecom 3074 3268 6.30%

Particular 31.03.2016 % to Total Exp. % to Total Power

Central Govt. 863 0.39% 5.66%

State Govt. 6712 3.06% 44.02%

Private 7673 3.50% 50.32%

Total 15248 6.95% 100.00%

22

As on 31.03.2015 As on 31.03.2016

CATEGORY HTM AFS HFT Total HTM AFS HFT Total

SLR 43009.79 8802.22 0.00 51812.01 39612.60 10715.85 0.00 50328.45

NSLR 379.94 9243.26 637.68 10260.88 4715.15 10760.84 0.56 15476.55

TOTAL 43389.73 18045.48 637.68 62072.89 44327.75 21476.69 0.56 65805.00

% to Total Portfolio

69.90% 29.07% 1.03% 100.00% 67.36% 32.64% 0.00% 100.00%

(` in Crore)

23

(` In Crore)

S.

No

Period of

Restructuring

Restructured

amount

Additional/

Incremental

facilities

Total

1 Upto 2014-15 8382 2237 10619

2 2015-16 (9M) 1162 47 1209

3 2015-16 (Q4) 0.00 0.00 0.00

Total 9544 2284 (*) 11828

(*) Includes aggregate exposure of ` 1878 Crore (15.87%) to PSUs comprising Discoms (`1493 crore) and Gujarat State Electricity Corporation Ltd (` 385

crore).

24

(` in Crore)

S.No Restructured Accounts O/s Balance as on 31.03.2016

1 State Discoms 1493

2 Under CDR 4168

3 Under MSME 423

4 Others 5744

Total 11828

Breakup of State Discoms

• Rajasthan Discom : 143 • U P Discom : 1056 • Haryana Discom : 138 • Tamil Nadu : 156

25

(` in Crore)

S.No Particulars O/s as on 31.03.16 % of total

1 Infrastructure 4278 36.17% 2 Textiles 570 4.82% 3 Iron & steel 2399 20.28% 4 Paper 29 0.25%

5 Agriculture 821 6.94%

6 Sugar 523 4.42% 7 Others 3208 27.12% Total 11828 100.00%

Break up of Infrastructure Amt

State Discoms 1493

Telecom 197

Power Generation 1467

Roads ,Highways & Ports 1018

Others 103

Total 4278

26

(` in Crore)

S.

NO. PARAMETERS Mar-15 Dec-15 Mar-16

1 Gross NPA 7666.22 11824.90 14701.78

2 Gross NPA as % of Gross Advances 5.18% 7.75% 9.57%

3 Net NPA 4816.24 7359.41 9932.15

4 Net NPA as a % of Net Advances 3.34% 4.99% 6.70%

5 Provision Coverage Ratio 60.59% 56.34% 51.16%

27

S.No PARTICULAR Mar-15

Q4

Dec-15

Q3

Mar-16

Q4

1 Opening Gross NPAs 7669.22 8557.96 11824.90

2 Recovery in Ledger Balance 343.03 330.75 383.46

3 Up gradation 51.83 10.08 7.96

4 Write Off 370.32 372.65 750.88

5 Total Reduction (2+3+4) 765.18 713.48 1142.30

6 Fresh Addition 762.18 3980.42 4019.18

7 Closing Gross NPAs 7666.22 11824.90 14701.78

8 Provision 2849.98 4465.49 4769.63

9 Closing Net NPAs 4816.24 7359.41 9932.15

10-a Cash Recovery in Bad Debt Written-off 126.81 45.65 76.57

10-b Cash Recovery in Recorded Interest 10.77 3.05 10.62

10 Total Cash Recovery in Revenue

i.e.(10a+10b) 137.58 48.70 87.19

11 Total Recovery including upgradation

(2+3+10) 532.44 389.53 478.61

(` in Crore)

28

S.No PARTICULAR Mar-15

FY

Mar-16

FY

1 Opening Gross NPAs 5617.86 7666.22

2 Recovery in Ledger Balance 1009.79 1148.65

3 Up gradation 531.18 519.62

4 Write Off 924.94 1667.60

5 Total Reduction (2+3+4) 2465.91 3335.87

6 Fresh Addition 4514.27 10371.43

7 Closing Gross NPAs 7666.22 14701.78

8 Provision 2849.98 4769.63

9 Closing Net NPAs 4816.24 9932.15

10-a Cash Recovery in Bad Debt Written-off 431.19 233.58

10-b Cash Recovery in Recorded Interest 136.76 60.08

10 Total Cash Recovery in Revenue i.e.(10a+10b) 567.95 293.66

11 Total Recovery including upgradation (2+3+10) 2108.92 1961.93

(` in Crore)

Sector/ Industries

O/s

Mar-15

NPA

Mar-15

% of NPA

to O/s in the Sector

Mar-15

% of NPA to

Gross NPA

Mar-15

O/s

Dec-15

NPA

Dec-15

% of NPA to O/s in

the Sector Dec-15

% of NPA to

Gross NPA

Dec-15

O/s

Mar-16

NPA

Mar-16

% of NPA to O/s in

the Sector Mar-16

% of NPA to

Gross NPA

Mar-16

Retail 15786 312 1.98% 4.13% 17939 313 1.74% 2.65% 18618 302 1.62% 2.05%

Agriculture (Excl.RIDF)

18093 1039 5.74% 13.74% 20691 1348 6.51% 11.40% 21580 1365 6.33% 9.28%

MSME 33093 1722 5.20% 22.77% 29958 2418 8.07% 20.45% 30699 2335 7.61% 15.88%

Total RAM 66972 3073 4.59% 40.64% 68588 4079 5.95% 34.49% 70897 4002 5.64% 27.22%

Credit other than RAM

81067 4593 5.67% 59.36% 83924 7746 9.23% 65.51% 82742 10700 12.93% 72.78%

Total Advances

148039 7666 5.18% 100% 152512 11825 7.75% 100% 153639 14702 9.57% 100%

29

(` in Crore)

Sector/ Industries

O/s

Mar-15

NPA

Mar-15

% of NPA

to O/s in the Sector

Mar-15

% of NPA to

Gross NPA

Mar-15

O/s

Dec-15

NPA

Dec-15

% of NPA

to O/s in the

Sector Dec-15

% of NPA to

Gross NPA

Dec-15

O/s

Mar-16

NPA

Mar-16

% of NPA to O/s in

the Sector Mar-16

% of NPA to

Gross NPA

Mar-16

Infrastructure 25350 421 1.66% 5.49% 24822 1072 4.32% 9.07% 21664 1047 4.83% 7.12%

Textile 7654 939 12.27% 12.25% 7948 1268 15.95 10.72% 7622 1203 15.78% 8.18%

Iron & Steel 10019 1089 10.87% 14.21% 10687 2882 26.97% 24.37% 10854 5295 48.78% 36.02%

Food Proc. 5807 486 8.37% 6.34% 5899 432 7.32% 3.65% 5825 422 7.24% 2.87%

NBFC 13802 0 0.00% 0.00% 15350 21 0.14% 0.18% 16812 21 0.12% 0.14%

30

(` in Crore)

31

0

3000

6000

9000

12000

15000

18000

21000

Mar-14 Mar-15 Mar-16

10077 (52%)

10413 (51%)

11414 (53%)

6042 (31%)

6795 (34%)

7013 (33%)

3431 (17%)

2992 (15%)

3042 (14%)

20200 21469

Subordinate

Non-Subordinate (Clerks)

Officers

19550

32

0

500

1000

1500

2000

2500

3000

Mar-13 Mar-14 Mar-15 Mar-16

1452

21282488

2566

0

20

40

60

80

100

Mar-13 Mar-14 Mar-15 Mar-16

39.09

49.71

74.77

89.15

CHANNELS %AGE TRANSACTIONS

52.05%

49.40%

45.57%

47.95%

50.60%

54.43%

42.00%

44.00%

46.00%

48.00%

50.00%

52.00%

54.00%

56.00%

FY 2013-14 FY 2014-15 FY 2015-16

%A

GE

OF

TRA

NSA

CTI

ON

S

FINANCIAL YEAR

Branch Channels

Digital Channels

34

1 Number of Accounts opened since 16.08.2014

36.71 Lakh

2 Number of RuPay cards issued

35.68 Lakh

3 Deposits in Accounts 3040.17 Cr.

Scheme No. of Enrolments Total

Enrolments URBAN RURAL

Pradhan Mantri Suraksha Bima Yojana (PMSBY) 21.57 Lakh 10.44 Lakh 32.01 Lakh

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 4.04 Lakh 1.99 Lakh 6.03 Lakh

TOTAL 25.61 Lakh 12.43 Lakh 38.04 lakh

Category No. of Account

Disbursement (Amount in cr.)

1 SHISHU (< `50000)

99179 231.16

2 KISHORE (Above `50k-5lakh)

19588 477.98

3 TARUN (Above `5lakh-10lakh)

7547 600.11

4 GRAND TOTAL 126314 1309.25