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Q4 & FY 2015 Disclaimer: Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and

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SLIDE 1

Q4 & FY 2015

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SLIDE 2

Analyst Presentation - Q4 & FY15 2

Disclaimer: Certain statements contained in this presentation may be statements

  • f future expectations and other forward-looking statements that are based on

third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding past trends

  • r activities should not be taken as a representation that such trends or activities

will continue in the future. There is no obligation to update or revise any forward- looking statements, whether as a result of new information, future events or

  • therwise. You should not place undue reliance on forward-looking statements,

which speak only as of the date of this presentation. Please also refer to the statements of unconsolidated, consolidated and segmental result required by Indian regulations that has been filed with stock exchanges in India.

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SLIDE 3

IDBI Bank‟s Forte

3 Analyst Presentation - Q4 & FY15

Strong Brand Value Significant player in domestic Debt Syndication Leading provider of Long Term Finance Growing Branch Network Diversified customer base

Ranks 37th amongst top 50 brands across country/sectors (Interbrand Rankings) Completed 130 mandates till date aggregating ` 2.5 lakh crore Apex role in creating industrial & infrastructural base in the country Branches -1717 ATMs -3000 Presence in 1260 locations Corporate and Retail customer base

  • f 3000+ and 6.5

million+

Bank ranked 5th in BFSI category and 2nd in PSU category

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SLIDE 4

Performance Highlights FY15 (BS parameters)

4 Analyst Presentation - Q4 & FY15

208,377 259,836 468,213 79,098 5 197,686 235,774 433,460 68,738 65,117 67,441 22,654 53,352 51,181 21,897

CASA Retail TD Networth Advances Deposits Business PSL

10% 5 % 8 % 15 % 22 % 32 % 3 %

` Crore

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SLIDE 5

Performance Highlights Q4FY15 (Profitability)

5 Analyst Presentation - Q4 & FY15 0.00% 5.00% 10.00% NIM ROE ROA 2.10% 9.75% 0.65% 2.20% 9.79% 0.68% Quarter Ended Mar-15 Quarter Ended Mar-14

1000 2000 3000 Fee Income

  • Ope. Profit

PAT 716 2489 546 753 1850 518 Quarter Ended Mar-15 Quarter Ended Mar-14

` Crore

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SLIDE 6

Performance Highlights FY15 (Profitability)

6 Analyst Presentation - Q4 & FY15 0.00% 2.00% 4.00% 6.00% NIM ROE ROA 1.90% 3.93% 0.27% 2.17% 5.57% 0.38% Y-O-Y FY 2015 Y-O-Y FY 2014

2000 4000 6000 Fee Income

  • Ope. Profit

PAT 2228 5728 873 2205 5681 1121 Y-O-Y FY 2015 Y-O-Y FY 2014

Profitability adversely impacted due to RIDF yielding significantly lesser returns

` Crore

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SLIDE 7

Profit & Loss - Snapshot

7 Analyst Presentation - Q4 & FY15

Particulars Q4 FY15 Q4 FY14 Growth % FY 2015 FY 2014 Growth % Interest Income 7 412 6 716 10.4 28 154 26 598 5.9 Interest Expenses 5 752 5 141 11.9 22 406 20 576 8.9 Net Interest Income 1 660 1 574 5.4 5 748 6 021

  • 4.5

Other Income 1 970 1 151 71.2 4 008 2 979 34.5 Total Income 3 631 2 725 33.2 9 756 9 000 8.4 Operating Expenses 1 141 875 30.5 4 027 3 319 21.4

  • Employee Cost

565 358 57.7 1 966 1 525 29.0

  • Overhead Cost

576 517 11.5 2 061 1 794 14.9 Operating Profit 2 489 1 850 34.5 5 728 5 681 0.8 Provisions & Contingencies 1 943 1 332 45.9 4 855 4 560 6.5

  • NPAs and write offs

1 393 1 103 26.3 3 232 3 074 5.1

  • Restructured Assets
  • 175
  • 19

841.3 364 486

  • 25.1
  • Others (Invt., Std Asset, e

499 114 338.9 845 380 122.2

  • Tax

225 134 68.5 414 620

  • 33.2

Profit After Tax 546 518 5.3 873 1 121

  • 22.1

` Crore

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SLIDE 8

Balance Sheet - Snapshot

8 Analyst Presentation - Q4 & FY15

As on 31st March 2015 2014 LIABILITIES Capital 1 604 1 604 Reserve & Surplus 22 713 22 035 Deposits 2 59 836 2 35 774 Borrowings 61 833 60 146 Other Liabilities & Provisions 10 045 9 429 Total 3 56 031 3 28 988 ASSETS Cash & Balance with RBI 13 036 12 711

  • Bal. with banks & money at call

1 490 4 107 Investments 1 20 963 1 03 774 Advances 2 08 377 1 97 686 Fixed Assets [incl. leased assets] 3 060 2 983 Other Assets 9 104 7 728 Total 3 56 031 3 28 988

` Crore

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SLIDE 9

Growing Deposit Base

9 Analyst Presentation - Q4 & FY15 Savings Bank A/c 13% Current A/c 12% Retail Term Deposits 26% Bulk Term Deposits 49%

FY 2015

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 Bulk Term Deposits 116953 114932 115522 131241 127278 Retail Term Deposits 25855 44836 54545 51181 67441 Current A/c 23742 31722 33289 25018 30416 Savings Bank A/c 13936 19002 23760 28334 34701

50000 100000 150000 200000 250000 300000

Composition of CASA and Retail TDs increasing at a brisk pace CASA - CAGR of 14.66% CASA - Annual Growth of 22.05%

Composition Movement of Deposits ` Crore

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SLIDE 10

Credit Base

10 Analyst Presentation - Q4 & FY15

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 Term Loans 121340 131957 140803 140704 147372 Bills 2659 3278 4619 4884 6701 CC/OD 33098 45923 50885 52099 54304 50000 100000 150000 200000 250000

Retail 27% Overseas Corp. 9% Domestic Corp. 64%

FY 2014

Retail 33% Overseas Corp. 11% Domestic Corp. 56%

FY 2015

Diversified credit portfolio – Increasing focus in Retail

Composition Movement of Advances ` Crore

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SLIDE 11

Industry-wise Advances

11 Analyst Presentation - Q4 & FY15

Diversified credit portfolio

` Crore

FB NFB Total FB NFB Total POWER 25 007 7 938 32 944 28 722 12 538 41 259 ROADS AND BRIDGES / PORTS 14 105 6 050 20 155 16 970 11 191 28 161 INFRASTRUCTURE OTHERS 10 090 9 175 19 265 12 703 12 674 25 377 OIL AND GAS/PETROLEUM PRODUCTS 11 889 6 509 18 397 13 628 10 429 24 058 IRON AND STEEL 11 361 6 780 18 142 12 611 11 087 23 699 TELECOM 8 001 6 694 14 695 8 119 8 042 16 161 NBFC 8 562 66 8 629 13 880 615 14 496 TEXTILES 7 176 1 106 8 282 9 668 1 768 11 435 GENERAL MACHINERY AND EQUIPMENTS 2 501 5 634 8 135 3 102 6 790 9 892 CONSTRUCTION 2 366 6 446 8 812 2 737 7 014 9 750 TRADING 4 613 2 829 7 443 5 727 3 363 9 090 BANKING 508 962 1 470 2 662 5 995 8 657 CHEMICAL AND CHEMICAL PRODUCTS 2 865 1 795 4 660 4 177 2 694 6 871 CEMENT 5 531 607 6 138 5 667 1 041 6 709 ELECTRICAL MACHINERY AND EQUIPMENTS 1 361 2 961 4 322 1 905 4 257 6 163 FERTILIZERS 1 414 2 117 3 532 2 013 4 000 6 013 GEMS AND JEWELLERY 3 005 1 491 4 496 3 528 2 192 5 720 SUGAR AND SUGAR PRODUCTS 3 019 998 4 017 4 237 1 192 5 429 METALS AND METAL PRODUCTS(OTHER THAN MFG.OF BASIC IRON AND STEEL) 1 436 1 233 2 668 2 453 2 514 4 968 HOUSING FINANCE COMPANIES 4 353 4 353 4 380 4 380 Outstanding Committed Particulars

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SLIDE 12

Productivity

12 Analyst Presentation - Q4 & FY15

Reflection of Bank’s quality and efficient manpower

23.5 23.9 25.7 24.7 26.2 22.0 23.0 24.0 25.0 26.0 27.0

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

Busi/Employee 2.7 3.3 3.7 3.2 3.9 0.0 1.0 2.0 3.0 4.0 5.0

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

CASA/Employee Business per employee CASA per Employee ` Crore

Note: Excluding outsourced employees

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SLIDE 13

Robust growth in PSL book

13 Analyst Presentation - Q4 & FY15

Relentless focus for increasing PSL Book towards complying regulatory limits

42200 49101 38850 52639 58903 16099 20195

10000 20000 30000 40000 50000 60000 70000 80000 90000

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

PSL (Excl. RIDF) RIDF

` Crore

37.2% of ANBC in FY 2015 34.5% of ANBC in FY 2014

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SLIDE 14

Investments

14 Analyst Presentation - Q4 & FY15

` Crore HTM AFS HFT Total HTM AFS HFT Total Government securities

58 921 15 051 4 934 78 905 55 484 5 905 894 62 283

SASF Securities

4 586

  • 4 586

4 691

  • 4 691

Shares (Equity)

  • 2 621

30 2 651

  • 2 565
  • 2 565

Shares (Preference)

  • 399
  • 399
  • 528
  • 528

Debentures/ Bonds

  • 9 336

140 9 476 10 14 102

  • 14 112

Subsidiaries / Joint Ventures

702

  • 702

644

  • 644

Security Receipts

  • 495
  • 495
  • 33
  • 33

Others (RIDF/SIDBI/NHB,etc)

23 340 112 297 23 749 18 438 118 362 18 918

Total Investments

87 549 28 014 5 401 1 20 963 79 267 23 250 1 256 1 03 774

FY 2015 FY 2014 Particulars

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SLIDE 15

Analyst Presentation - Q4 & FY15 15

SLR Investments

(Rs crore)

(Rs crore) Amount As % to Total Trading (HFT & AFS) 15,848 20% (13.62) 13.62 6.72 HTM 62,016 80% 84.69

  • 6.01

Total 77,864 100% 71.07 13.62 6.16 (Rs crore) Category upto 3 years 3 - 5 years 5 - 10 years > 10 years Total Trading (HFT & AFS) 1,313 25 7,736 6,774 15,848 HTM 7,777 12,918 15,042 26,279 62,016 Total 9,090 12,943 22,778 33,053 77,864 As % to Total 11.7% 16.6% 29.3% 42.4% 100.0% Maturity Profile of SLR Investments: as on 31-March-2015

Profits from SLR Investments Q4 FY 2015 FY 2015 739 1030

SLR Investment Portfolio: as on 31-March-2015 Category Outstanding Investment MTM Gain / (Loss) Provision for MTM Loss Modified Duration

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SLIDE 16

Major Strategic stakes

16 Analyst Presentation - Q4 & FY15

Pivotal role in developing Institutions that shaped country’s financial architecture

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SLIDE 17

Analyst Presentation - Q4 & FY15 17

Maturity Profile as on Mar-2015

` Crore

Maturity Profile Advances Borrowings Deposits Upto 6 months 30231 13733 88280 > 6 months to 1 year 11846 7924 52691 > 1 year to 3 years 84773 8222 83293 > 3 years to 5 years 25389 11327 13987 > 5 years 56139 20627 21586 Total 208377 61833 259836

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SLIDE 18

Other Income

18 Analyst Presentation - Q4 & FY15

Robust & Efficient Operations Management

` Crore Mar-15 Mar-14 Growth % FY 2015 FY 2014 Growth % Commission, Excg & Brkg 649 639 1.5 1 935 1 818 6.4 Profit on sale of Investments 1 240 377 228.9 1 636 522 213.6 Profit/(Loss) on revaluation

  • f investment

(22) (7) 212.0 (50) (1) 4954.5 Profit on sale of Fixed Assets (0) (621.4) (2) (102.1) Profit on Forex/Derivatives 62 70 (11.7) 276 349 (20.9) Dividend from subsidiaries 5 (100.0) 19 28 (29.8) Recovery from Written Off cases 28 36 (22.7) 54 130 (58.4) Other Misc. Income 13 30 (57.5) 137 135 1.6 Total 1 970 1 151 71.2 4 008 2 979 34.5 Fee Based Income 716 753 (4.9) 2228 2205 1.0 Particulars Quarter Ended Y-O-Y

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SLIDE 19

Overhead Efficiency

19 Analyst Presentation - Q4 & FY15

Overhead Efficiency nearly 100% and Cost to Income ratio at around 41% is one of the best amongst peer set 92% 81% 103% 90% 100% 0% 20% 40% 60% 80% 100% 120% FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

35% 39% 36% 37% 41% 32% 34% 36% 38% 40% 42% FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

Overhead Efficiency Cost to Income

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SLIDE 20

Movement in Key Ratios

20 Analyst Presentation - Q4 & FY15

9.39% 10.38% 10.71% 10.28% 10.27% 6.94% 8.36% 8.31% 7.87% 7.80% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00%

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 ROEA COF

2.10% 2.02% 2.12% 2.17% 1.90% 0.73% 0.81% 0.69% 0.38% 0.27%

0.00% 0.50% 1.00% 1.50% 2.00% 2.50%

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

NIM ROA

13.64% 14.58% 13.13% 11.68% 11.76% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

CRAR

128 137 146 137 141 115 120 125 130 135 140 145 150 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

Book value/Share

ROEA Vs COF NIM & ROA

*CRAR Figures for FY 2011, FY 2012 & FY 2013 are as per Basel II

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SLIDE 21

Movement in Key Ratios

21 Analyst Presentation - Q4 & FY15

10000 20000 30000 40000 50000 60000 70000 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 CASA Avg. CASA 50000 100000 150000 200000 250000 300000 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 Total Deposits

  • Avg. Total

Deposits

` Crore Growth in Average CASA Growth in Average Deposits

Healthy growth recorded in Average CASA and Deposits

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SLIDE 22

Capital Adequacy

22 Analyst Presentation - Q4 & FY15

Basel III Compliant

Particulars FY 2014 FY 2015 CET 1 (Rs.) 20959 20810 AT 1 (Rs.) 25 2531 Tier 2 Capital (Rs.) 10480 10235 Total Capital (Rs.) 31464 33577 RWA (Rs.) 269471 285542

(` Crore)

7.78% 7.29% 0.01% 0.89% 3.89% 3.58% CET 1 AT 1 Tier 2 Capital

11.68%

11.76%

Raised AT1 bonds to the tune of ` 2,500 crore in Oct 2014

FY 2014 FY 2015

Tier 1 at 8.18 % as at FY 2015 increased by 39 Basis Points compared to FY 2014

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SLIDE 23

NPA Movement

23 Analyst Presentation - Q4 & FY15

Aggressive provisioning - PCR have been highest amongst peers

Opening Balance 12140 9960 Add:

  • Fresh Slippages*

2319 6101 Less:

  • Recovery

667 1159

  • Upgradation

248 608

  • Write-off

860 1609 Closing Balance 12685 12685 Gross NPA % 5.88% 5.88% Net NPA % 2.88% 2.88%

  • Prov. Coverage Ratio as

per RBI Guidelines 66.63% 66.63% * Including Ageing Particulars For the Quarter Mar 15 For FY ended Mar 15

` Crore

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SLIDE 24

Analyst Presentation - Q4 & FY15 24

NPA Movement

Particulars NPA Provision# Net NPA NPA Provision# Net NPA Opening Balance 6113 6028 5058 4902 Additions during period 1873 446 4308 1793 Reductions during period 1293 482 2673 703 Closing Balance 6692 5993 6692 5993 For Quarter Mar 15 For FY ended Mar 15 #Including NPV Loss of NPA Advances

` Crore

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SLIDE 25

NPA Classification

25 Analyst Presentation - Q4 & FY15

Particulars Gross NPA Sub Standard Assets

3020

Doubtful Assets

9360

Loss Assets

305

Total

12685

Particulars Gross NPA (%) Agri and Allied Activities 9.01 Industry 8.25 Services 4.38 Personal Loans 1.06 Others 1.56 Total 5.88

` Crore

3020 9360 305

Sub Standard Assets Doubtful Assets Loss Assets

9.01 8.25 4.38 1.06 1.56

Agri and Allied Activities Industry Services Personal Loans Others

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SLIDE 26

Analyst Presentation - Q4 & FY15 26

Summary of Restructured Advances as on Mar 31, 2015

Particulars PA NPA Total Gross 20129 4615 24743 Less: FITL Provision 1138 401 1539 Net of FITL Provision 18991 4213 23205 Less: Cases considered for Provisioning @ 0.40% 2269 2269 Total 16723 4213 20936

` Crore

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SLIDE 27

Analyst Presentation - Q4 & FY15 27

Industry-wise Restructured Advances as on Mar 31, 2015

` Crore

Industry Type Net Outstanding Industry Type Net Outstanding AGRO INDUSTRIES 215 IRON AND STEEL 174 AIR TRANSPORT 484 JEWELLERY MFG 125 AQUACULTURE 82 METAL INDUSTRY 1 335 CEMENT 261 MINING AND QUARRYING 80 CERAMIC INDUSTRY 64 MISC. INDUSTRY 129 CHEMICAL AND FERTILIZERS 70 MOTOR VEHICLES 410 COAL 153 OIL EXPLORATION 69 DAIRY FARM AND POULTRY 34 OTHER SERVICES 111 EDUCATION 519 PAPER 174 ELECTRICAL MACHINERY 1 483 PHARMACEUTICALS 688 ELECTRICITY GENERATION 2 941 PLASTIC PRODUCTS 35 ELECTRONICS 218 RETAIL STORE 108 ENTERTAINMENT 33 RUBBER 1 FOOD AND BEVERAGES 46 SHIP BUILDING 1 229 GEM & JWELLERY 288 SUGAR 738 GLASS MFG 521 TELECOMMUNICATIONS 781 HEALTH CARE 7 TEXTILES 608 HOTEL 309 TRANSPORT SERVICES 144 INFRASTRUCTURE 6 255 WASTE MANAGEMENT 15 Grand Total 20 936

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SLIDE 28

Provisions & Contingencies

28 Analyst Presentation - Q4 & FY15

Mar-15 Mar-14 FY 2015 FY 2014 Depreciation on Investment 156 1 248 180 Provision for NPAs 534 276 1 623 1 681 Provision towards standard assets 326 105 499 173 Provision for Restructured Assets (including FITL) (175) (19) 364 486 Income Tax 225 134 414 620 Bad Debts Writen off 860 828 1 609 1 393 Other Provisions 17 7 98 27 Total 1 943 1 332 4 855 4 560 Quarter Ended Y-O-Y Particulars

` Crore

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SLIDE 29

Fast growing Distribution Network

29 Analyst Presentation - Q4 & FY15

86 95 132 270 373 184 236 282 372 524 307 377 388 426 451 238 264 274 319 368 1 1 1 1 1 200 400 600 800 1000 1200 1400 1600 1800 2000

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015

Rural Semi-Urban Urban Metro Overseas

Robust branch expansion over the years specially in rural and semi-urban locations

 1717 Branches  3000 ATMs  10 Currency Chest  6 Regional Processing Units  30 Central Clearing Unit  75 Retail Assets Centers  11 e-Lounges

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SLIDE 30

Shareholders

30 Analyst Presentation - Q4 & FY15

GOI 76.5% LIC 10% FIs / Banks 1% FIIs 3% Corp. 1% Others 8%

Shareholders Mar-15 GOI 76.50% LIC 9.65% FIs / Banks 1.11% FIIs 3.34% Corp. 1.20% Others 8.21% Total 100.00%

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SLIDE 31

Major Awards & Accolades in FY15

31 Analyst Presentation - Q4 & FY15

Ranks 39th and 37th among the top 50 brands in the country across sectors as per leading global research organizations, Millward Brown (Brand Z) and Interbrand rankings respectively Significant rise of 79% in the valuation of Bank‟s Brand over the previous year as per Brand Finance Banking 500 - the world’s most valuable Banking Brands Report Award for Notable contribution in the field of “PMJDY” by Federation of Industry, Trade & Services (FITS), New Delhi in March 2015

Financial Inclusion and

Payments Systems (FIPS) Awards for the year 2014 for its financial inclusion initiatives under PSU category by Elets Technomedia

Star Performance Award 2014

in demat account opening under PSU-Bank Category by NSDL

Gold in „Campaign of the Year

(Thematic)‟ at the Prime Time awards for various advertising campaigns.

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SLIDE 32

Key Business Initiatives

32 Analyst Presentation - Q4 & FY15

Consistently introducing/delivering customer savvy products/services

Rolled out 108 new Sub-members in the Centralized and Decentralized Payment System Introduction of Suraksha Plus Savings Account in Nov 2014 Introduction of Cash Current Account in Feb 2015 Tie-up with Global IME Bank for Nepal Remittance Arrangement MoU with Indian Army and Indian Navy for Salary Account sourcing Tie-up with GCC Exchange & Orient Exchange for sourcing of NRI Account from UAE

Retail Liabilities – New Product/Services in FY15

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SLIDE 33

Key Business Initiatives

33 Analyst Presentation - Q4 & FY15

Consistently introducing/delivering customer savvy products/services

Introduction of Education Loan Scheme “Udan”, a unique RD Linked Education loan scheme. First PSU Bank to launch “Electronic-Insurance Account (e-IA)” in association with NSDL Stepped into Credit Card business on Visa Platform Launched “E-Lounge” at several locations (11 so far) Android based Mobile Banking Application Introduced Signature Debit Card in July 2014

Retail Assets/ Alternate Channels – New Product/Services in FY15

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SLIDE 34

Strategies & Way Forward

34 Analyst Presentation - Q4 & FY15

Continue the focus to increase exposure in

Retail Advances,

particularly

Priority Sector

Focus on increasing

Overseas Corporate Book by

leveraging Bank’s brand image. Scaling up

CASA and Retail Deposits

Buoyancy in

Fee Based Income Global Expansion Plans,

particularly in Singapore and Shanghai.

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SLIDE 35

35 Analyst Presentation - Q4 & FY15