Single Borrower and Group Borrower Exposure Unsecured Advances Penalties imposed by RBI Deferred Taxes Subordinated Debt Maturity proile of assets and liabilities

INDIA Published on Saturday, June 27, 2015 vol l nos 26 27 EPW Economic Political Weekly 22 SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015 Currency: Indian rupees in thousands

32. Single Borrower and Group Borrower Exposure

During the year, the Bank’s credit exposures ceiling to individual group borrowers has been exceeded in the following cases Single Borrowers: ● DLF Limited ● United Spirits Limite ● Totsa Total Oil Trading SA, Switzerland Group Borrower: NIL Approval of the India Management Committee has been obtained for exceeding the exposure ceiling in the above accounts.

33. Unsecured Advances

There are unsecured advances of INR NIL Previous Year: INR 300,000 thousands for which Bank has taken charge over brand intangible securities. The estimated value of the collateral is INR NIL. Previous Year: INR 371,860 thousands.

34. Penalties imposed by RBI

During the inancial year under review, no penalty has been levied by RBI. Previous Year: Nil.

35. Deferred Taxes

The composition of Deferred Tax AssetLiability is: Particulars 31 Mar 2015 31 Mar 2014 Deferred tax assets A: 5,186,276 3,138,008 – Depreciation on ixed assets 84,937 54,515 – Provision on advances 3,249,000 2,925,933 – Disallowance us 43B of Income Tax Act 1961 28,688 74,297 – Provision for employee beneits 117,255 46,275 – Amortisation of fee income 27,352 36,988 – Carry forward Income tax losses 1,679,044 - Deferred tax liabilities B: - 372 – Amortisation of club membership fees - 372 Net Deferred tax assets A-B 5,186,276 3,137,636 During the current year, while the bank has positive operating proit, it has incurred Net loss post tax mainly on account of High value of write off and provision for Non performing asset NPA. In the coming years, the bank is expected to return to proit with lower provisioning requirement for NPA and will be able to absorb the current year carry forward tax losses.

36. Subordinated Debt

The Bank has raised a Subordinated Debt of INR 16,250,000 thousands during the year ended 31 March 2015. Previous Year: INR Nil.

37. Maturity proile of assets and liabilities

1 Day 2-7 Days 8-14 15-28 29 Days- 3-6 6 Months- 1-3 3-5 Over Total Days Days 3 Months Months 1 Year Years Years 5 Years Deposits 4,103,247 28,805,743 16,111,364 23,705,461 33,375,792 12,199,312 9,444,660 43,001,647 2,212,955 989,384 173,949,565 2,636,743 19,552,436 21,337,588 15,134,430 35,074,058 28,211,097 4,200,240 47,020,454 822,855 1,078,981 175,068,882 Advances 15,818,821 1,915,140 5,149,713 15,043,269 51,342,147 30,711,960 7,485,913 9,712,739 9,645,525 11,623,502 158,448,729 4,315,625 8,585,776 5,164,595 15,728,664 42,005,072 26,829,594 8,859,357 14,271,266 22,959,439 2,828,981 151,548,369 Investments 85,230,155 4,931,687 2,678,771 4,214,155 8,595,976 2,631,880 8,061,619 4,021,170 1,706,124 13,094,049 135,165,586 73,518,793 7,545,102 6,378,708 4,994,467 13,895,340 14,081,697 45,673,736 6,498,486 176,623 8,054,128 180,817,080 Borrowings 1,750,321 28,291,100 16,879,099 17,096,935 5,378,251 5,431,099 8,750,000 - 16,250,000 - 99,826,805 76,524 87,254,410 11,085,685 235,018 171,283 6,317,174 15,577,900 24,538,411 - - 145,256,405 Foreign Currency 4,811,002 228,266 1,681,945 9,722,414 11,849,555 14,852,897 31,513 632,371 - 2,353,907 46,163,870 Assets 10,376,021 356,714 2,927,515 11,496,160 8,670,765 18,004,319 - - - 32,375 51,863,869 Foreign Currency 3,967,057 71,982 879,178 9,097,155 416,349 5,701,326 8,872,878 32,126,860 18,182,470 2,541 79,317,796 Liabilities 3,206,681 544,686 92,364 155,629 202,473 7,042,225 15,712,991 56,337,036 23,990 - 83,318,075 Figures in brackets indicate previous year igures Foreign currency assets and liabilities exclude off-balance sheet assets and liabilities and consequent unrealized proitloss on the same. The classiication of assets and liabilities under the different maturity buckets are compiled by management on the same estimates and assumptions as used by the Bank for compiling the returns submitted to RBI. INDIA Economic Political Weekly EPW Published on Saturday, June 27, 2015 vol l nos 26 27 23 SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015 Currency: Indian rupees in thousands

38. Segmental Reporting