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Y 




Y 



Y 



Awards & Accolades

Y 



Awards & Accolades

Y 



ew Intiatives

Y 



IT Intiatives

Y 



Investor ProfileProfile - Shareholding Pattern (%)

&'
%

"$ (!$

 

 
 

 # 
"$
%


 

! "

 

 


    

  





 

 




Y 



&' 


( 

lobal Footprints Foreign Branches of the Bank


USA (ew York & SFO)

UK (London + 7branches)
Europe
-France (Paris)
-Belgium (Antwerp

Hong Kong
Kowloon
Shenzen

Dubai
West Indies
- Cayman Islands

Channel Islands

Tanzania
(Subsidiary)
Joburgh (SA)

Y 



Kenya (airobi, Mombasa,


Ind Area & Westlands)

Singapore
Jakarta
Ho Chi Minh

Japan (Tokyo & Osaka


Phnom Penh

Strategic Investments - Alliances & Jt. Ventures

Y 



Strategic Investments - Alliances & Jt. Ventures

Y 



Credit Rating - International & Domestic

Y 



Highlights

Y 



Major Business Parameters











 

 

 

 

 

  



  

  

  

  

  



  

  

  

   

  



 

 

 

 

 





 

 

  

 


















!

































" 
















"#$% &
















'() "

 














Y 



Deposits

D 
x 






 


]


]

]] 

 

Y 





Domestic Deposits (CASA)


 








 



 

 



 





  

  

 

 





 




 

 


 







Y 







  









 



Domestic Deposits Category-wise

 




 

   



 




Y 



 


ross Advances

]




 ]

 

]


] ]






Y 









 

Domestic Advances Category Wise as on 31.03.2011

SEMIURBAN
116.02
URBAN 7%

RURAL
135.02
8%

Mar 11

246.8
15%

METRO
1153.6
70%
Y 



Key Sectors(Domestic Credits)





*  *
!+,

 ) 

 

 




$& -&

 

 




").

 

 




.

 

 




Y 



Major Industry-wise Advances - Domestic


Mar-10

June-10

Sep-10

Dec-10

Mar-11






6
J

6]
6 

d
d

YoY
rowth %



       
 

]J
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]

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J

]


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d 





   
 

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6

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6




 

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6



JJ


6


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]

6
6

6
d

d

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Y 



Advances to Sensitive Sectors - Domestic

$./"

"

0$

$

$.



/)


123
145

1242134

15561462

13 41 2

163
1578



:81
32

45146

77123

451475

8 21682



 

 

 

 

 

 

 

 

 

 




o 

! "!"

 

 

 

 

 




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#  $



 

 

 

o ./9
";$/

2218 5

221
3

2 16

221 55

28153




/) 
"$9$ //$
 
o {
!
o  " !
!

Y 



Overseas Advances - Breakup





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! ! ! "  "


% "
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)%
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Y 



RESTRUCTURED ACCOUTS
Includes all facilities of the borrowers

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 2
# 2#8

+)

"
!!')

()

!*
!

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!')

75173

71

4
1:6

51867

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. 





781::3

21
78

:61 37

2 # 4#8

Y 



61
87

 

 



51867

1285

RESTRUCTURED ACCOUTS (Contd)


Includes all facilities of the borrowers

'
")
2 # 4#8

+)

"
!!')

()

!*
!

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!')

781::3

21
78

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. 



 



 

7:1672

3153

451
85

81288

61556

2
# 2#8

Y 



51867

1285
 

 

MOVEMET OF PA I RESTRUCTURED ACCOUTS

()

'

")
 2
# 2#8

16,154

!) )(,
 
-'))
 
. 
!) 


!) )(,
 
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. 
2 # 4#8

+)

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!
!')

1,507

!')

!*
!

!')

17,661

17,661

dJd

dJd

dJ

dJ

]

6d

6d

6 6

6 6

19,216

19,216

d

17,703

1,513

Y 



"
!
 
!. 

16.64

d*

19.15

MOVEMET OF PA I RESTRUCTURED ACCOUTS (Contd)

()

'

")
2 # 4#8

+)

"
!
!')

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!

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17,703

1,513

19,216

19,216

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# 2#8





16,885

1,253

d
J

18,138

"
!
 
!. 

d
J

18,138

19.15

6* 

17.04

Sector-wise breakup of restructured accounts (>10 Mn)


(Domestic) in Q4
$./"

0/

!  " 



"



{ !



{"



# ! "  " 







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Y 




J

Restructured A/Cs Slipped (>Rs.10 Mn) (Domestic)

 4  4

 <=
 
) 

< 
">

 4













 

 





 





Y 



Sector-wise breakup of restructured accounts Slipped


(>10 Mn) (Domestic)

 &

!')

6!%(

*d]

(,!6%$

(-!-((!-

*J6

!-)6$(

J*Jd

,!$

d*J6

$(!($

]*d

$((%

Jd*d

(.!%($

6 !-

6*

TOTAL

Y 



972.13

]

Sector-wise breakup of restructured accounts Slipped to


PA (>10 Mn)
(Domestic)

 













,
)/

!  " 

,
 /

,
 /

,

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"



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7
:

852

838

478

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Y 



PA Ratio

 



 

 

 

 

 

 

 

 

 

 

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0

Y 



$  % &

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 !

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PA Movement


 



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Y 



PA Sequential Movement





 



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 







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90)


 

 

 

 

 











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 1(

)

Y 







 





-6  
Mar-10
! 

June-10

)/

 

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Sep-10
 

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-6
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-6
 

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Overseas PAs





 


 





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51
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51354#3

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Y 



Profitability(Qtr sequential)


 


 
 





 




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2 

 

  




 

 4

  4


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Y 




  



 


 


  

Profit Summary

 8


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8




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Y 



Profitability (Y-o-Y)

<

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Y 



Profit eographical Distribution


*


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*  * 





 
 
 

 
 
 

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6d*6

et Interest Income















(
*  *


//9/$"$ /.$

53183

5:18
7

3
1333

351673

621 64

24#2:

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(.$

281738

2514
4

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($ /$/

1428

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8173

51

:#22

366

1388

1::6

164

3164:

4 6#7

//9/$"$ /$B$$

841722

2 1:
2

221743

251: 6

241446

25#38

/#$B$$$ /

861 6:

87154:

841
6

841:74

231854

23#88

/#$B$$
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166

183

81 63

81572

8125

5 #46

/$"$ /$B$ $ 


0"/$$/#

81 3

81 62

8137

81535

815 :

8 #

$//$"$ /.$

33
7

715 3

7176

41:64

821 72

5:#64

/A$"/$"$ /.$

Y 



et Interest Income(Y-o-Y)
*

(
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Y 



on-interest Income















(
*  *


/ &D
"?/?" 9$? $.0"/$

66

444

26

348

1866

4
#32

18:2

12 4

187

1225

2#4:

1455

812 :

157

1:62

816

22#75

. >$B.A!$>";$"!$

2122:

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21 7

81:2:

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1
3

6:5

1 63

1
85

1855

88#36

51232

21
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51 78

21468

517
8

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264

63:

4
4


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31:34

31:53

615:2

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"?/?"$B.A!$/" ./
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. ='D

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"$.($"*C"//$??..0/ .
//9 /$"$ /.$@@.

Y 



on Interest Income(Y-o-Y)

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(
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.<<1$,-'

 

 




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Y 



Operating Expenses - A break up



















 







6
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66

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Y
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$%&  %





d

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6 
 


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9,809

12,463

19,251

87.91


 
 


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%!
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Y 



Operating Expenses (Y-o-Y)

*

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Payments to & Prov. for Employees



(
*  * 

6

]
d

*]d

d6J

]*

Printing & Stationery

]J6

J*]

Advertisement & Publicity

J6

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6

]J*J

Auditors' Fees & Expenses

]J

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Law Charges

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Postage, Telegram, phones etc

] J

]*

Repairs & Maintenance

]J

]*

Rent, Taxes & Lighting

Dep. on Bank's Property

Insurance

6]

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Other Expenditure

6
dd

d
J

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6dd


6J

]J*J

TOTAL

Y 



-"
















$"/!"?/

 

 

 

 

 

//9"( 

 

 

 

 

 

  # !

 



 

 



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$/"?/

Y 



-"02++2
*


*


(
*  *

$"/!"?/

 

 

//9"( 

  

 

 

 




  #  ""

 

 




  # "!!"

 

 

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"{   


$/"?/

Y 



 

Appropriations
Mar 10

Mar 11

 &"

513

6183

" "

61836

81
3:

.)"

274

)"E . & +

) 

518:6

51552

)" > 26


 ?</1
46

81

81

715

851::7

//9

Y 



Cost & Yield Ratios Quarterly Comparison



 

 

 

 

 ?"$! !99 ?"$! !99  ?"$! !99  ?"$! !99  ?"$! !99

.








5#74







5#74







5#44







5#47







3#28

*)








:#
8







:#2:







:#57







:#7:







:#:

*)


<



6#4:




6#4






7#86






7#7






:# 5

*)
? 







6#4







6#46




7#83




7#52







7#76

.
? 







5#32






5#53







5#73







5#72







5#48

###







8#37







8#:4







8#:




2# 4




8#45

Y 



Profit Ratios (Y-o-Y)


8

 8



?

!)=)



?

!)=)

.

3#74

#68

3#
6










.? 

3#58

8#
7

5#:5









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4#77

2#84

:#58










7#6:

5#4:

7#56







*) ? 

7#46

2#25

7#
5










 

8#35

#
7

8#2










 

8#48

8#3







*)<

Y 



Profit Ratios(Quarterly comparison)




 
 
 
 
 
 

 









 
 

 

 

 



 



 



 

34')

#3)(
 

 

 

3 

3  


 

 

 

 

3 

3  


Y 



 




Ratios

Quarterly Comparison











.<"













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"  $% &
















$ ,
 -) 















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Y 


6

Ratios (Y(Y- o - Y)
Year Ended
Mar-10

Year Ended
Mar-11

 !   

]*J

48.49

- !   # /( 

d*]

52.12

6  3  

*JJ

1.77

 6 

*d

0.82

 (

*d6

17.80

( / $ 0   

]]*

47.35

]6*J

283.24

124,560

154,995

101.1

128.4

1,239.4

1,463.6

&  
et worth (IR/Mn)
Bus. per employee (IR/Mn)
Bus. per branch (IR/Mn)

Y 



Investments - Domestic




!#

{"

{#"

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!#

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9"
($ /$/
#{ {
 "
  "

 9"
($ /$/

)
//9

 

 

 

 

 

Y 



 


J

 


  

Investments Foreign (Position as on 31.03.2011)

/&<

' () 

/)

! 

41645

 >.9E 9,<

1247

1247

 ,

1:87

1
68

.9, 

41
8

742

/)

5 142

21238

Y 



Capital Adequacy Basel II


  

  

  

/.)

  

  

 

 

 

/.)

 

 

 

 

 

/).)

 

 

 

 

 

/)

  

  

  

  

 

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Y 



6

     

Productivity



















   


        






 

 

 

 

 

 

 



Y 



Way Ahead

Y 



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