Disclosures in terms of compliance of Basel II requirements as stipulated by Reserve Bank of India as on 30th September 2009 Table DF 2 Capital Structure

ure 2.1 Banks Tier I capital comprises of Particulars Tier-I Capital Paid up share Capital Reserves & Profit & Loss account Innovative Perpetual Debt Total Tier I Capital (Gross) Less 50% Investments in Subsidiaries and Joint Ventures Total Tier I Capital (Net of Deductions) 2.2 Amount 143.44 5,294.04 737.50 6174.98 38.82 6,136.16
(Rs in crore)

Terms of the bonds issued under Innovative Perpetual Bonds (Tier-I capital) are as follows: a. Perpetual Unsecured Non-Convertible Subordinated Bonds in the nature of Promissory Notes (Tier I bonds) Bond Seri Date of Coupon Rate Tenor Put/ Call Option# Amount es Allotment Call Option may be exercised after the instruments has run for at least 10 years Call Option may be exercised after the 10.07.2009 300.00 9.15% 10 YEARS instruments has run for at least 10 years Call Option may be exercised after the 11.08.2009 100.00 9.05% 15 YEARS instruments has run for at least 10 years Call Option may be exercised after the 26.08.2009 100.00 9.10% 10 YERAS instruments has run for at least 10 years #Call option shall be exercised only with the prior approval of RBI (Rs in crore) 19.09.2009 237.50 9.00% 10 YERAS

1 2 3 4

2.3 The amount of Tier II Capital (capital net of deductions) is Rs 4,242.90 Crore. 2.4 Terms of the bonds issued under Tier II Capital are as follows: A Unsecured Redeemable Non-Convertible Subordinated Bonds in the nature of Promissory Notes (Upper Tier II bonds). Series Date of Allotment 1. 2 3 4 . 12.12.2008 24.02.2009 10.08.2009 11.08.2009 Bond Amount 300 700 250 300 Coupon Rate 10.10% 9.15% 8.45% 8.45% Tenor 15 YEARS 15 YEARS 15 YEARS 15 YEARS Call Redemption/ Option (#) Maturity Yes Yes Yes Yes 12.12.2023 24.02.2024 10.08.2024 11.08.2024
(Rs. in crore)

# Call Option at the end of 10th Year

Unsecured Redeemable Non Convertible Subordinated Bonds in the nature of Promissory Notes (Lower Tier II bonds): Date of Allotment 24.03.2006 19.03.2008 27.03.2008 03.12.2008 31.03.2009 06.05.2009 28.05.2009 Bond Amount 300 200 300 200 500 500 500 Coupon Rate (% p.a. payable annually) 7.90% 9.30% 9.40% 10.80% 8.85% 8.25% 8.37% Tenor (in years) 10 Yrs 10 Yrs 10 Yrs 10 Yrs 10 Yrs 2 Mth 15 Yrs 15 Yrs Date of Maturity 24.03.2016 19.03.2018 27.03.2018 03.12.2018 31.05.2019 06.05.2024 28.05.2024
(Rs. in crore)

Sr. No. 1 2 3 4 5 6 7

2.5 Debt Capital Instruments eligible for Inclusion in Tier I and Tier II capital: Particulars Tier-I Upper Tier-II Lower Tier-II Total Amount Outstanding 737.50 1,550 2,500 Amount Raised during the year 500 550 1,000 eligible to be reckoned as Capital Fund 737.50 1,550 2,500
(Rs. in crore)

2.6 The total eligible capital: Tier I Capital Tier II Capital Total Capital Table DF-3 Capital Adequacy: 3.1 Capital Required for Credit Risk 3.2 Capital Requirement for Market Risk 3.3 Capital for operational Risk 3.4 Total Capital and CRAR Particulars Total Capital Ratio Tier I Capital Ratio Table DF-4 Credit Risk - General Disclosures Quantitative Disclosures 4.1 Total gross credit risk exposures, Fund Based and Non-fund based Gross Credit Risk Exposures Fund Based Advances Investments Other Assets Total Fund Based Non Fund Based Market Related & Non- Market Related

6,136.16 4,242.90 10,379.06

(Rs in crore)

Rs. 4,424.65 Crore Rs 408.65 Crore Rs 304.95 Crore

Amount 18.18% 10.75%

Amount 39,739 2,468 1,375 43,582 5,581

Total Credit Risk Exposure 4.2 Geographic distribution of exposures - Domestic

SL NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 STATE-WISE AGGREGATE EXPOSURE AS ON 30th September 2009 State Name ADVANCES CAPS Non fund ANDHRA PRADESH ASSAM JHARKHAND BIHAR CHANDIGARH CHATTISGARH DELHI GOA, DAMAN & DIU GUJARATH HARYANA HIMACHAL PRADESH JAMMU & KASHMIR KARNATAKA KERALA MADHYA PRADESH MAHARASHTRA ORISSA PONDICHERY PUNJAB RAJASTHAN TAMILNADU UTTARANCHAL UTTAR PRADESH WEST BENGAL SIKKIM MEGHALAYA Gross Bank Credit [GBC] 3,090 2 31 16 208 73 10,567 644 2,180 542 9 7 9,339 817 89 14,897 88 26 651 1,404 5,876 18 640 1,172 7 0 52,393 17 3 0 3 5 0 35 0 5 0 0 0 13 18 10 28 0 0 0 0 15 0 14 10 0 0 175 105 0 0 24 0 0 935 0 420 0 0 0 495 12 0 7,618 16 0 95 24 1,010 0 3 203 0 0 10,961

49,163
(Rs. in crore)

Agg.Exp 3,212 5 31 43 212 73 11,537 644 2,605 542 9 7 9,847 847 98 22,543 105 26 746 1,429 6,902 18 658 1,385 7 0 63,586

(Rs in crore)

4.3

Industry Wise distribution

INDUSTRY-WISE EXPOSURE AS ON 30.09.2009 EXPOSURE CAPS 0 0 0 0 58 5 0 0 4 0 0 1 6 8 8 19 0 0 5 0 0 0 0 0 0 61 175 0 1,480 1,045 1,339 2,168 143 22 674 43 1 158 401 1,270 1,023 144 1,042 194 3,314 1,030 64 6,410 Power Telecommunication Roads & Ports 3,360 1,027 782 2,061 24,090 EXPOSURE Total 104 0 1,480 1,076 1,433 2,177 143 22 678 43 1 159 407 1,353 1,033 163 1,042 333 3,331 1,041 138 6,508 3,360 1,027 782 2,426 25,091 (Rs in crore)

SL. NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 Coal Mining

INDUSTRY

CREDIT 64

NON-FUND 40 0 0 31 36 4 0 0 0 0 0 0 0 75 2 0 0 139 12 11 74 98 0 0 0 304 826

Iron & Steel Other Metals & Metal Products All Engineering Textiles Sugar Tea Food Processing Vegetable Oils (Including Vanaspati) Tobacco & Tobacco Products Paper & Paper Products Rubber & Rubber Products Chemicals/ Fertilizers Cement Leather & Leather Products Gems & Jewellery Construction Petroleum Automobiles including trucks Computer Software Infrastructure Of which:

23

Other Industries TOTAL

4.4

Residual Contractual Maturity Break down of advances and investments as on 30/9/2009 Maturity Pattern Advances Investments Foreign Currency Asserts (gross) Next day 2,139.18 7,981.23 387.65
2 days - 7 days 8 days -14 days 15 days - 28 days 29 days 3months > 3 months-6 months > 6 months-1year > 1 year-3years > 3 years-5years > 5 years Total 1,423.42 954.97 2,500.07 12,645.503 4,966.13 6,794.83 12,304.804 4,828.90 3,702.23 52,260.03 514.57 621.79 548.01 2,105.36 3,368.14 4,882.37 3,358.50 4,640.12 8,144.27 36,164.37 56.83 73.39 65.12 538.41 492.71 283.56 287.55 29.96 0 2,215.18

(Rs in crore)

4.5 Amount of NPAs (Gross) as on 30-09-2009 Sl.No. 1 Sub Standard 2 Doubtful 1 3 Doubtful 2 4 Doubtful 3 5 Loss 6 Total NPA [Gross] 4.6 Net NPA as on 30-09-2009 4.7 NPA Ratios Sl.No. Rs 153.97 Crore Category Amount 196.58 102.26 66.41 63.91 197.70 626.86
(Rs in crore)

Category

% 1.18 0.29

1 Gross NPA to Gross Advances 2 Net NPA to Net Advances 4.8 Movement of NPAs (Gross) Sl.No. i] ii] iii] V]

Category

Amount 559.22 187.50 119.86 626.86

(Rs in crore)

Opening balance at the beginning of the year 1st April 2009 Additions during the Year till 30th September 2009 Reductions during the Year till 30th September 2009 Closing balance as on 30th September 2009

4.9 Movement of Provisions for NPA i] Opening balance at the beginning of the year 1st April 2009 ii] Provisions made during the year till 30th September 2009 iii] Written off during the current year till 30th September 2009 Iv] Write back of excess provisions made during the year till 30th September 2009 V] Closing balance as on 30th September 2009

414.96 144.74 (54.70) (39.95) 465.05

(Rs in crore)

4.10 4.11 4.12 i] ii] iii] Iv] V] 5

Amount of Non-performing Investment as on 30th September 2009 is Rs 10.85 crore. Amount of provision held for non-performing investment is Rs 10.85 crore. Movement of Provisions for Depreciation on Investments. Opening balance at the beginning of the year 1st April 2009 Provisions made during the year till 30th September 2009 Written off during the current year till 30th September 2009 Write back of excess provisions made during the year till 30th September 2009 Closing balance as on 30th September 2009 129.19 37.11 134.63 0.00 31.67

(Rs in crore)

Table DF- 5 Credit Risk: Quantitative Disclosure Total Gross Credit Risk exposure Fund based and Non Fund based (Based on Risk Weight) More than 100% Risk Weight Book Value RWA 5,243 2,455 0 501 5,658 2,469 0 359

Below 100% Risk weight Particulars Fund Based Loans & Advances Investments Other Assets Non Fund Based Non Market Related Market Related 7,668 23,520 2,276 250 23,906 19,826 5,058 11,554 0 61 Book Value RWA

100% Risk Weight Book Value 23,419 0 1,313 5,634 RWA 22,527 0 1,314 2,696

Total Book Value RWA

52,568 39,739 22,281 2,468 6,371 1,375 13,803 5,331 23,520 250
(Rs in crore)

Table DF- 6 Credit Risk Mitigation: Disclosures for standardized Approaches Quantitative Disclosures Eligible financial collateral; after the application of haircuts Deposits Rs 2,238 Cr Gold jewels Rs 312 Cr KVP/NSC/LIC/Govt Securities Rs 289 Cr Table : DF- 7 Securitization Exposures: Disclosure for Standardised Approach- Not applicable Table DF-8 Market Risk in trading Book Capital requirements for Market risk (30th September, 2009) Risk Category i) Interest Rate Risk ii) Equity Position Risk iii) Foreign Exchange Risk (including Gold) iv) Total capital charge for market risks under Standardized duration approach (i+ii+iii)
(Rs in crore)

301.97 102.37 4.33 408.67

Table DF-9 Operational Risk Capital charge required to be maintained for operational Risk under Basic Indicator Approach is Rs 304.95 Crore.

Table DF-10 Interest rate risk in the banking book (IRRBB) Quantitative Disclosures 1. Earnings at Risk for 100 bps interest rate hike as on assets and liabilities is (+) Rs. 16.48 Crore 6

2. Change in the Market Value of Equity for 200 bps interest rate shock is 4.63%