INVESTOR PRESENTATIONSEP 2011

1

South Indian Bank… At A Glance

• Number of years in banking business83 Years

• Number of branches644

• Number of ATM’s568

• Business as on Sep 2011-2012`56386 Cr

• Business Growth (Y – to – Y)31%

• Last 5 years business CAGR25%

2

• Last 5 years business CAGR25%• Net Profit for the half year ended Sep 2011-2012`177 Cr

• Net Profit for the Q2 (2011-2012)`95 Cr

• Net Interest Margin (Sep 11)3%

• Capital Adequacy Ratio (Basel II –Sep 11)13.48%

• Net Non-Performing Assets (Sep 11)0.25%

History &Background

History &Background

Key Strength

Overview

3

Key Strength

Future Strategy

4

One of the oldest Banks in South India.

First among private sector Banks in Kerala tobecame a SCB in 1946.

Incorporated on January 25, 1929.Head Office:Thrissur, Kerala

First private sector bank to open a NRI branch in

History & Pioneering Initiatives

Listed in NSE, BSE & CSE- IPO in 1998. successfulFPO In 2006

First private sector bank to open a NRI branch inNov,1992 & an IFB branch in March 1993

Successful QIP in Sept 2007

First bank among the Pvt sector banks in Kerala toopen an "Overseas Branch“, june,93.

6

Shareholding Pattern – as on 30.09.2011

Individuals43%FII's

40%

Others4%

Individuals

Corporates

Fis and Banks

Diversified shareholding & tradition of good corporate governance practices

7

Corporates6%

Fis and Banks7%

40%FII's

Others

Vision & Mission

CORPORATE VISION

To emerge as the most preferred bank in the country in terms ofbrand, values, principles with core competence in fostering customeraspirations, to build high quality assets leveraging on the strong and vibranttechnology platform in pursuit of excellence and customer delight and tobecome a major contributor to the stable economic growth of the nation.

8

MISSION

become a major contributor to the stable economic growth of the nation.

To provide a secure, agile, dynamic and conducive banking environment tocustomers with commitment to values and unshaken confidence, deploying thebest technology, standards, processes and procedures where customerconvenience is of significant importance and to increase the stakeholders’value.

9

Healthy Fundamentals

Adequately Capitalised;

•13.48% CRAR & 10.80% Tier 1 ratio

Asset Quality;

• 0.99% GNPAs & 0.25% NNPAs

•74.70% NPA Coverage ratio

•17.53% ROE, 1.05% ROAA

•Over 85% secured loan book

Significant Turnaround

•Benchmarked HR Practices & Introduced

Performance Linked Incentive

schemes, ESOP, Annual Performance

contest- Awards.

•Forward looking Human Capital

Management Strategy

•Highly skilled human capital- 46% of

human capital under age 30 with

professional qualification

SIBSIB SIBSIB

Key Strengh

Strong Growth

• One of the fastest growing banks in

India.

• 25% CAGR in business in last 5 years

•Constant growth in Business &

Profitability

Most advanced technology in all

spheres of banking operations &

delivery channels.

Key Competitive Advantage

• Fast expanding branch network

• High Asset Quality with well diversified

Loan portfolio

• 9% market share in Kerala’s NRI deposit

base.

•Strong boost to Income from high

yielding gold loans forming 20% of the

loan book.

professional qualification

SIBSIBSIBSIB

Spread ofBranches

Vast and Rapidly Growing Branch Network

11

Average Branch &ATM network

growth @ 10% (forlast & current FY)

Branch Network – Category wise as on Sep 11

Rural11017%

Metro98

15%

Rural

12

Semi- Urban29446%

Urban14222%

Semi- Urban

Urban

Metro

STATES No: of Branches STATES No: of Branches

KERALA 361 JHARKHAND 2

TAMIL NADU 115 MADHYA PRADESH 2

KARNATAKA 37 ORISSA 2

ANDHRA PRADESH 29 PONDICHERRY 2

MAHARASHTRA 24 RAJASTHAN 2

DELHI 21 ASSAM 2

State wise distribution of Branches – Category wise as on Sep 11

13

DELHI 21 ASSAM 2

WEST BENGAL 9 BIHAR 1

UTTAR PRADESH 8 CHANDIGARH 1

GUJARAT 6 JAMMU & KASHMIR 1

HARYANA 4 UTTARANCHAL 1

PUNJAB 4 TRIPURA 1

GOA 4 HIMACHAL PRADESH 1

CHATTISGARH 3 MEGHALAYA 1

Network Expansion( Number of branches added)

40

50

60

70

50

61 60

49

Nu

mb

er

of

Bra

nch

es

ad

de

d

Esti

mat

ed

Pro

ject

ed

14

0

10

20

30

40

FY 07 FY 08 FY 09 FY 10 FY 11 FY 12 FY 13

25 25

30

Nu

mb

er

of

Bra

nch

es

ad

de

d

Esti

mat

ed

Pro

ject

ed

475500

530

580

644

701

750

400

500

600

700

800

Est

ima

ted

Est

ima

ted

Branch Network – as on Sep 11N

um

be

ro

fB

ran

che

s

Pro

ject

ed

15

0

100

200

300

400

FY 07 FY 08 FY 09 FY 10 FY 11 FY 12 FY 13

Est

ima

ted

Est

ima

ted

Nu

mb

er

of

Bra

nch

es

Network Expansion( Number of ATMs added)N

um

be

ro

fA

TM

sa

dd

ed

80

100

120

140

160

93

116

120

141

Pro

ject

ed

Esti

mat

ed

16

Nu

mb

er

of

AT

Ms

ad

de

d

0

20

40

60

80

FY 08 FY 09 FY 10 FY 11 FY 12 FY 13

50 55 Esti

mat

ed

ATM Network – as on Sep 11N

um

be

ro

fA

TM

s

489

609

750

400

500

600

700

800

Pro

ject

ed

Esti

mat

ed

17

Nu

mb

er

of

AT

Ms

225

280

373

0

100

200

300

FY 08 FY 09 FY 10 FY 11 FY 12 FY 13

Esti

mat

ed

Project SIBERTECH- 100% Core Banking Solution (CBS) using FINACLE from Infosys.

Centralized Data Centre with most advanced technological platform in a new state of the art “Green” compliedbuilding at Kochi, Kerala.

Emphasis on IT security & Risk Management - Disaster-recovery site at Bangalore for CBS & Regular IS Audits.

Member of INFINET & 568 On-line ATMs through NFS tie-up with other banks

A host of hi-tech products- International debit & credit cards, high speed & secure Internet & Mobile Banking forretail & corporate clients.

EFFICIENT SERVICE LEVERAGING ON TECHNOLOGY

retail & corporate clients.

Online Value added services - Stock trading, ticket booking, mobile recharges, shopping, Utility payments, offerings.

SIB FINS Card -A smartcard based FI initiative in association with M/s Coromandel InfoTech India Ltd., Chennai, as thetechnology service provider.

Successfully implemented RTGS & NEFT in all branches.

Successfully launched Smart card at Christ University, Bangalore which works as Access card, Identity card, ATM cardand card for payment of fees in Christ College for around 10000 students.

Best-in-class IT products & solutions in all banking operations like Treasury, Risk Management, AML, CreditProcessing, HR, Audit & KYC.

18

RANGE OF PRODUCTS

Loan Products Deposit products Other Products

Gold Loans

Retail Business Loans

Housing Loans/

Mortgages

Auto Loans

Personal Loans

Education Loans

Employee Group Loans

•Savings Bank Accounts

•Current Accounts

•Fixed/ Recurring

Deposits

• Depository Account

• Mutual Funds sales

• Life Insurance sales

• General Insurance sales

• Group Insurance sales

• E-payment

• Cash Management Services

• Online Foreign Inward Remittance

• m-Commerce

RetailBanking

19

• m-Commerce

• New Pension System

•Gold Coins/ingots

Commercial Banking

•Working Capital Loans

•Term Loans

•Wholesale Deposits

•Letters of Credit

•Banks Guarantees

• Bill Finance

WholesaleBanking

FINANCIAL INCLUSION

Particulars March 10 March 11 Sep 11

Number of Business Correspondents (BCs)appointed

0 7 25

Number of villages with population above2000 provided with banking facility (Ruralbranches & BCs)

107 117 135

Number of rural households covered 2.46 Lakh 2.47 Lakh 2.65 Lakh

Number of ‘No-frills’ accounts (including

20

Number of ‘No-frills’ accounts (includingStudents A/c)

6.83 Lakh 10.26 Lakh 11.39 Lakh

No-frills accounts - amount 64.06 crore 102.72 crore 134.44 crore

We have been empanelled by UIDAI for opening ‘No-Frills account’ based on AADHAARenrollment . in 26 districts & 39 villages already allotted for Financial Inclusion.

We have implemented the Smart Card model for FI as per the open standards and as recommended by IBA/IDRBT Technical Committee. Also planning for implementing the Smart Card model for Urban FI

Strategic Tie Ups

Life Insurance with LIC

General Insurance with Bajaj Allianz

Mutual funds –All the leading AMCs in India

Sri Lanka's Hatton National Bank (HNB)

• Improve the remittance flow to India and Sri Lanka

More than 30 exchange houses & banks in middle east

• Facilitating fast remittances for more than 2lakh NRI customers, mostly from Gulf countries

Providing managerial support to overseas exchange house - HADI exchange house

21

Best Bank in Asset Quality (Pvt Sect or Bank) Award - Dun & Bradstreet 2011

Best Bank in Priority Sector Lending (Pvt Sect or Bank) Award - Dun & Bradstreet 2011

Technology Excellence Award in 2010 from IRDBT

RECOGNITIONS

India’s Best Bank 2010 Award – “Business world – Price Water House Coopers. Best Banks Survey 2010”

Best Asian Banking Website - Asian Banking & Finance Magazine, Singapore.

Best Old Pvt Sector Bank - Financial Express India's Best Banks 2008-2009.

Best Pvt Sector bank in the Service quality segment Outlook Money - CFore Survey.

Best Website Award from Kerala Management Association

22

Business Performance

Busniess.

NIM

Net profit

Financial Highlights – FY12 (1st Half)

NetProfit(H1)

NetProfit(Q2)

Business Advance Deposit Net NPAGrossNPA

(` in Crores)

24

177

135

95

77

56386

43089

23348

18029

33038

25060

0.25%

0.38%

0.99%

1.27%

Sep 11

Sep 10

32%30%31%31% 23%

Profitability– FY12 (Q2)

125

166

77

95

40

60

80

100

120

140

160

180

Operating Profit

Net Profit

25

• 33%Operating Profit

• 23%Net Profit

Year to Year Growth (Q2)

0

20

Q2 (FY 10-11) Q2 (FY 11-12)

Profitability– FY12(1st Half)

229

309

135

177

100

150

200

250

300

350

Operating Profit

Net Profit

26

• 35%Operating Profit

• 31%Net Profit

Year to Year Growth (1st half)

0

50

H1 (FY 10-11) H1 (FY 11-12)

Improved Quality of Earnings

0.84

1.01

0.920.98 0.97

0.94

1.061.00 1.03 1.05

0.60

0.80

1.00

1.20

ROA

ROAA - Annualised

RoA coming mainly from Core Income

27

0.00

0.20

0.40

FY-08 FY-09 FY-10 FY-11 FY-12

ROAA - Annualised

*ROA is annualised for the period

Business Trend as at 30th Sep

Total Business and Growth(` in Crores)

26836

32787

43089

56386

30000

40000

50000

60000

28

Business grew over 2.4 times at CAGR of 25% in 5 yearsBusiness grew over 2.4 times at CAGR of 25% in 5 years

2309926836

0

10000

20000

30000

FY-08 FY-09 FY-10 FY-11 FY-12

Business Trend as at 30th Sep

Gross Credit Deposit Ratio

70.77%

69.21%

71.94%

70.67%

70%

72%

74%

29

65.56%

62%

64%

66%

68%

FY-08 FY-09 FY-10 FY-11 FY-12

Deposits as at 30th Sep

Growth in Deposits (` in Crores)

13952

1571519376

25060

33038

20000

25000

30000

35000

30

Deposits increased @ 32% growth rate

13952

13%23% 29%

32%

0

5000

10000

15000

FY-08 FY-09 FY-10 FY-11 FY-12

Deposits – Composition and Trend

Annual Trend in Low cost depositsComposition of Deposits

(` in Crores)(` in Crores)

SB Deposit576417%

CD Deposit12744%

3791

4888

5764

3000

4000

5000

6000

7000

31

Low Cost deposits form 26% of total deposits.

4%

TermDeposit2600079%

985 109112741241

1067853

405 427 499

0

1000

2000

3000

FY-10 FY-11 FY-12

SB Deposit CD Deposit NRE T-Deposit FCNR Dep

Growth in Advances

Advances as at 30th Sep

(` in Crores)

9147

1112113411

18029

23348

15000

20000

25000

Advances increased by 30% (Y-to- Y)

32

9147

22%

21%

34% 30%

0

5000

10000

FY-08 FY-09 FY-10 FY-11 FY-12

Advances – Composition (Sep 2011)

Sector Upto 5 Crores Above 5 Crores Total % to total

Agriculture 2931.13 302.74 3233.87 13.85%

MSME 1570.26 737.74 2308.00 9.89%

Large Scale Industries 503.36 2951.94 3455.30 14.80%

33

Housing 1159.22 416.04 1575.26 6.75%

Commercial Real Estate 72.99 35.27 108.26 0.46%

NBFC 62.05 1032.31 1094.36 4.69%

Food Credit 0.00 362.60 362.60 1.55%

LC Bills 0.00 2815.63 2815.63 12.06%

Other 7535.09 859.40 8394.49 35.95%

Total 13834.10 9513.67 23347.77 100.00%

Trend in Cost & Yield

Trend in Cost of Deposits – Half Yearly

6.56%

7.01%

7.20%

6.34%

7.66%

5%

6%

7%

8%

9%

11.14%

11.68%

12.11%

11.50%

12.00%

12.50%

Trend in Yield on Advances- Half Yearly

34

0%

1%

2%

3%

4%

5%

FY-08 FY-09 FY-10 FY-11 FY-12

10.63%

11.14%

10.61%

9.50%

10.00%

10.50%

11.00%

FY-08 FY-09 FY-10 FY-11 FY-12

Trend in Cost & Yield

Trend in Cost of Deposits - Qtrly

6.34% 6.40%6.57%

7.60%

7.66%

5%

6%

7%

8%

9%

11.75%

12.11%

11.50%

12.00%

12.50%

Trend in Yield on Advances - Qtrly

35

0%

1%

2%

3%

4%

5%

Sep-10 Dec-10 Mar-11 Jun-11 Sep-11

10.61%

10.69%10.90%

9.50%

10.00%

10.50%

11.00%

Sep-10 Dec-10 Mar-11 Jun-11 Sep-11

Investment Portfolio (Sep 2011)

SLR & Non SLR Securities Composition of Investment Book

` in Crores

Category Amount Percentage

Held to Maturity 6668.14 77.77%

Held for Trading 314.73 3.67%3343

39474593

6146

7621

4000

5000

6000

7000

8000

9000

36

Held for Trading 314.73 3.67%

Available for Sale 1591.11 18.56%

Total 8573.98 100.00%

3343

881 759 1045381

953

0

1000

2000

3000

4000

FY-08 FY-09 FY-10 FY-11 FY-12

SLR Securities Non-SLR Securities

Investment Portfolio (Sep -2011)

Yield on Investments

Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11

TotalInvestmentPortfolio

4.34 4.45 4.03 3.67 3.61 3.69

Total HM

Duration of Investments

6.79%

6.89%

6.29%

6.73%

6.20%

6.40%

6.60%

6.80%

7.00%

37

Total HMInvestmentPortfolio

5.18 5.03 4.96 4.81 4.68 4.61

Total HFTand AFStogetherInvestmentPortfolio

0.74 1.12 0.44 0.42 0.39 0.39

5.95%

6.29%

5.40%

5.60%

5.80%

6.00%

6.20%

FY-08 FY-09 FY-10 FY-11 FY-12

15.3914.01

17.55

15.86

13.48

8

10

12

14

16

18

20

Yearly

Half year -1

Adequately Capitalized

CRAR – Basel 2

0

2

4

6

FY-10 FY-11 FY-12

38

The bank has CRAR in excess of the required minimum of 9%stipulated by RBI.

Strong Core Capital (Tier 1 & Tier 2 CRAR)

13.08%12.31%

11.27% 10.86% 10.80%

2.78%4%

6%

8%

10%

12%

14%

39

Strong Core Capital. Dependence on Capital Instruments low.

2.78% 2.58% 2.74% 2.65% 2.68%

0%

2%

4%

Sep-10 Dec-10 Mar-11 Jun-11 Sep-11

Tier 1 CRAR Tier 2 CRAR

Strong Core Capital (Trend)

RWA Tier 1 Capital Tier 2 Capital Total Capital

Mar 10 11377 1412 337 1749

Jun 10 11270 1476 326 1802

Sep 10 11861 1551 330 1881

(` in crores)

40

Sep 10 11861 1551 330 1881

Dec 10 13174 1622 340 1962

Mar 11 14647 1650 401 2051

Jun 11 15152 1645 401 2046

Sep 11 15173 1643 408 2051

Trend in Income & Expenses (HY-1)

668

8461056

1206

1751

800

1000

1200

1400

1600

1800

2000

Total Income

(` in crores)

549684

815

977

1441

600

800

1000

1200

1400

1600 (` in crores)

Trend in Expenses

41

Gross Annual income grew over 2.6 times in 5 years at CAGR 27%

668

0

200

400

600

FY08 FY09 FY10 FY11 FY12

Non-Int Income Oth Int Int on Inv Int on Adv

0

200

400

600

FY08 FY09 FY10 FY11 FY12

Other Exp Staff Exp Int Exp

Trend in Income (HY-1)

Yield on Funds

9.48%

9.09%

9.18%

9.70%

9.00%

9.20%

9.40%

9.60%

9.80%

Cost of Funds

6.55% 6.40%

6.53%

5.74%

6.97%

5%

6%

7%

8%

42

8.52%

7.80%

8.00%

8.20%

8.40%

8.60%

8.80%

9.00%

FY-08 FY-09 FY-10 FY-11 FY-12

0%

1%

2%

3%

4%

FY-08 FY-09 FY-10 FY-11 FY-12

Composition of Non-Interest Income

ParticularsHalf Year

ended30/09/2010

Half Yearended

30/09/2011

Quarter ended30/09/2010

Quarter ended30/09/2011

Commission, Exchange &Brokerage

16.66 15.94 8.53 6.55

Profit on sale of investment (NET) 15.43 26.24 6.22 11.32

Profit on sale of Land, Building &

(` in crores)

43

Profit on sale of Land, Building &Other assets (net)

0.00 0.02 -0.01 -0.02

Profit on Exchange Transactions(Net)

8.81 11.72 4.67 6.78

Miscellaneous Income

1. Processing Fees 0.00 0.00 0.00 0.00

2. Rent Received - - - -

3. Others (Folio charges, LockerRent)

45.61 50.78 25.44 28.44

Total 86.51 104.70 44.85 53.07

Profitability (HY-1)

Growth in Net Profit Net Interest Margin

66.06

90.30101.89

135.44

177.44

80

100

120

140

160

180

200

2.00%2.10%

2.64%3.00%

3.00%

1.50%

2.00%

2.50%

3.00%

3.50%

44

Net profit grew over 5.5 times in 6 years at CAGR 29%.Net Interest margin (NIM) remains at satisfactory range.

66.06

0

20

40

60

80

FY-08 FY-09 FY-10 FY-11 FY-12

0.00%

0.50%

1.00%

FY-08 FY-09 FY-10 FY-11 FY-12

Efficiency as at 30th Sep

Return on Equity Return on Average Asset

11.85%

14.43% 14.49%

16.67%17.53%

12%

14%

16%

18%

20%1.06%

1.00%

1.03%

1.05%

1.00%

1.02%

1.04%

1.06%

1.08%

45 45

0%

2%

4%

6%

8%

10%

12%

FY-08 FY-09 FY-10 FY-11 FY-12

0.94%

0.88%

0.90%

0.92%

0.94%

0.96%

0.98%

FY-08 FY-09 FY-10 FY-11 FY-12

Efficiency (HY1)

Cost / Income Ratio Earning Per Share (EPS- Annualised)

(amount in ` )

52.57%

44.92%

50.72%49.20%

45.56%

40%

50%

60%

2.00

2.39

3.13

2

3

3

4

46 46

10%

20%

30%

40%

FY-08 FY-09 FY-10 FY-11 FY-12

1.46

2.001.80

0

1

1

2

2

FY-08 FY-09 FY-10 FY-11 FY-12

Productivity (HY1)

Average Business Per Employee

(` in Lakh)

Profit Per Employee

(` in Lakh)

534574

636

773

943

500

600

700

800

900

1,000

3.39

4.05 4.23

5.26

6.43

4

5

6

7

47 47

0

100

200

300

400

500

FY-08 FY-09 FY-10 FY-11 FY-12

3.39

0

1

2

3

FY-08 FY-09 FY-10 FY-11 FY-12

Productivity (HY-1)

Business Per Branch

(` in Crores)

Operating Profit Branch

(` in Lakh)

49.60

55.63

65.58

81.25

50

60

70

80

90

62.9269.94

75.44

96.60

80

100

120

48 48

43.24

49.60

0

10

20

30

40

50

FY-08 FY-09 FY-10 FY-11 FY-12

49.20

62.92

0

20

40

60

FY-08 FY-09 FY-10 FY-11 FY-12

Gross NPA & Net NPA (%)

(Amount in Rs crore)Asset Quality as at 30th Sep

Provision Coverage

3.41%

1.86%2.00%

2.50%

3.00%

3.50%

4.00%75.03%

70.55%

58.38%

71.20%74.70%

40%

50%

60%

70%

80%

49 49

1.86%

1.61%

1.27%

0.99%

0.71%

0.40% 0.43% 0.38%0.25%

0.00%

0.50%

1.00%

1.50%

2.00%

FY-08 FY-09 FY-10 FY-11 FY-12

Gross NPA Net NPA

0%

10%

20%

30%

40%

FY-08 FY-09 FY-10 FY-11 FY-12

(Amount in Rs crore)Asset Quality

Change in Gross NPA &Net NPA

Year ended31/03/2010

H1 ended30/09/2010

Year ended31/03/2011

H1 ended30/09/2011

Gross NPA 211 228 230 230

Gross NPA (%) 1.32% 1.27% 1.11% 0.99%

50

Asset Quality maintained at high level.Provision coverage comfortable

50

Gross NPA (%) 1.32% 1.27% 1.11% 0.99%

Net NPA 62 67 60 58

Net NPA (%) 0.39% 0.38% 0.29% 0.25%

(` in Crore)

Break-up of Provision

ParticularsYear ended31/03/2010

Year ended31/03/2011

Qtr ended30/09/2010

Qtr ended30/09/2011

For NPA advance 34.98 27.74 1.48 -0.23

For Depreciation onInvestments

-40.94 9.37 -2.99 10.88

For NPA investment 2.14 0.26 0.00 0.00

51 51

For NPA investment 2.14 0.26 0.00 0.00

For standard assets 6.43 21.60 3.59 7.39

For income tax 133.55 152.94 40.99 47.56

For Restructured advances 7.58 -0.05 -0.07 4.98

General Provision 33 20 5 0

Other impaired assets 0.07 0.84 -0.20 0.82

Total Provisions andContingencies

176.81 232.7 47.80 71.40

Performance Highlights

PerformanceHighlights

Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10Year

endedMar-11

Jun-11 Sep-11

CRAR Basel 2 (%) 15.08% 17.86% 17.35% 15.40% 15.99% 15.86% 14.89% 14.01% 13.51% 13.48%

Return on Assets(Annualised)

1.23% 1.30% 1.23% 1.07% 0.91% 1.03% 1.04% 1.05% 1.02% 1.05%

NIM (%) 3.30% 3.00% 3.30% 2.80% 2.80% 3.00% 3.00% 3.10% 2.80% 3.00%

Gross NPA's 231 213 214 211 223 228 254 230 236 230

Net NPA 83 56 57 61 65 67 74 60 63 58

(` in Crore)

52 52

Net NPA 83 56 57 61 65 67 74 60 63 58

Gross NPA (%) 1.85% 1.61% 1.46% 1.32% 1.33% 1.27% 1.33% 1.11% 1.07% 0.99%

Net NPA (%) 0.68% 0.43% 0.39% 0.39% 0.39% 0.38% 0.39% 0.29% 0.29% 0.25%

ProvisionCoverage

63.20% 73.30% 73.30% 70.50% 70.70% 70.10% 70.70% 73.64% 73.15% 74.70%

CASA 4551 4784 4999 5323 5852 5979 6045 6404 6790 7038

CASA 24.40% 24.30% 24.20% 23.10% 25.10% 23.90% 22.40% 21.55% 21.47% 21.30%

Deposits 18650 19688 20643 23012 23331 25060 26998 29721 31622 33038

Advances 12320 13059 14868 16115 16728 18029 19188 20799 22151 23348

Yield on advances 11.85% 11.68% 11.39% 11.14% 10.77% 10.61% 10.69% 10.90% 11.75% 12.11%

FUTURE STRATEGY

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Way Forward

1

Enhancing income

from distribution of

2

Ramping up low

cost as well as

3

Enhancing

productivity per

4

Focus on increasing

share of low cost

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third party

products

retail liabilities

franchise

branch/per

employee

NRI deposit base

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Key Focus

Aims to open 60 branches & 120 ATMs this fiscal to boost network & take branch tally to701 by March 2012.

Aims to increase total business mix to Rs 1.25 lakh crore by March 2015.

To support business growth plan for the next 3 years, the bank has decided to raise Rs 1,000crore capital through QIP.

Enhancing income from distribution of third party productsEnhancing income from distribution of third party products

Ramping up low cost as well as retail liabilities.

Enhancing productivity per branch/per employee

Focus on increasing share of low cost NRI deposit base

Focus on improving share of gold loans

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IMPORTANT NOTICE

No representation or warranty, express or implied is made as to, and no reliance should be placed on, thefairness, accuracy, completeness or correctness of such information or opinions contained herein. The informationcontained in this presentation is only current as of its date. Certain statements made in this presentation may not bebased on historical information or facts and may be “forward looking statements”, including those relating to theCompany’s general business plans and strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actual results may differ materiallyfrom these forward-looking statements due to a number of factors, including future changes or developments in theCompany’s business, its competitive environment and political, economic, legal and social conditions in India. Thiscommunication is for general information purpose only, without regard to specific objectives, financial situations andneeds of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe

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needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribefor any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection withany contract or commitment Important Notice whatsoever. The Company may alter, modify or otherwise change inany manner the content of this presentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.

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THANK YOU