Non Performing Assets Funded NPA provisioning coverage ratio Concentration of NPA’s Sector-wise NPA’s Concentration of Deposits Concentration of Advances Concentration of Exposures Overseas Assets, NPAs and Revenue

Currency: Indian rupees in thousands Schedule to Financial Statements As at 31 March 2010 Quantitative Disclosures 1 Derivatives Notional Principal Amount a - For Hedging - - b - For Trading 167,525,309 996,905,465 2 Marked to Market Positions a - Asset 887,737 - b - Liability - 403,311 3 Credit Exposure 15,156,349 14,247,812 4 Likely impact of 1 change in interest rates 100PV01 a - On Hedging Derivatives - - b - On Trading Derivatives 62,777 271,494 5 Maximum Minimum of 100PV01 observed during the year a - On Hedging : Maximum - - Minimum - - b - On Trading : Maximum 78,099 444,528 Minimum 258,823 391,873 I Net NPA to Net Advances 1.00 0.55 ii Movement in Gross NPAs a Opening Balance 311,675 50,329 b Additions during the year 1,122,678 271,419 Sub Total A 1,434,353 321,748 a Up gradations - - b Recoveries 536,409 10,073 c Write-offs 137,545 - Sub Total B 673,954 10,073 Gross NPAs as on 31 Mar A-B 760,399 311,675 iii Movement in Net NPAs a Opening Balance 149,295 9,079 b Additions during the year 3,77,068 150,289 c Reductions during the year 126,411 10,073 d Closing Balance 399,952 149,295 iv Movement in provisions for NPAs a Opening Balance 162,380 41,250 b Provisions made during the year 745,610 121,130 b Write off Write back of excess provisions 547,543 - b Closing Balance 360,447 162,380 Gross of INR 1,500 thousands Previous Year Nil recovered after write off. Includes an amount of INR 1,000 thousands Previous Year Nil, not written back in the Profit Loss Account, pertaining to sale of an NPA to a Reconstruction Company. Sr. No. Particulars Currency Interest Rate Derivatives Derivatives Particulars 31 Mar 10 31 Mar 09

14. Non Performing Assets Funded

DBS Annual Report 2009 - 2010 41 l Schedule to Financial Statements For the year ended 31 March 2010 42 l DBS Annual Report 2009 - 2010

15. NPA provisioning coverage ratio

16. Concentration of NPA’s

17. Sector-wise NPA’s

18. Concentration of Deposits

19. Concentration of Advances

20. Concentration of Exposures

21. Overseas Assets, NPAs and Revenue

The NPA provisioning coverage ratio of the Bank was 47.40 as on 31 March 2010 Previous Year 52.10 Total Exposure to top four NPA accounts 709,185 289,051 Agriculture allied activities - - Industry Micro small, Medium and Large 2.02 1.31 Services - - Personal Loans - - Total Deposits of twenty largest depositors 62,704,403 50,711,120 Percentage of Deposits of twenty largest depositors to 75.43 84.20 Total Deposits of the bank Total Advances to twenty largest borrowers 43,715,624 35,778,022 Percentage of Advances to twenty largest borrowers to 37.53 47.54 Total Advances of the bank Advances have been computed as per the definition of Credit Exposure including derivatives as prescribed in RBI’s Master Circular DBOD.No.Dir.BC.1513.03.002009-10 dated July 1, 2009. Total Exposure to twenty largest borrowerscustomers 43,715,624 35,778,022 Percentage of Exposures to twenty largest borrowerscustomers 20.07 23.33 to Total Exposure of the bank on borrowerscustomers Exposures are computed based on Credit and Investment exposure as prescribed in RBI’s Master Circular DBOD.No.Dir.BC.1513.03.002009-10 dated July 1, 2009. Total Assets 1,043,303 2,308,220 Total NPAs - - Total Revenue 229 7,311 Particulars 31 Mar 10 31 Mar 09 Sector Percentage to Total Advances 31 Mar 10 31 Mar 09 Particulars 31 Mar 10 31 Mar 09 Particulars 31 Mar 10 31 Mar 09 Particulars 31 Mar 10 31 Mar 09 Particulars 31 Mar 10 31 Mar 09 Currency: Indian rupees in thousands Schedule to Financial Statements For the year ended 31 March 2010

22. Off Balance Sheet Sponsored Special Purpose Vehicles