<SEC-DOCUMENT>0001193125-20-112680.txt : 20200421
<SEC-HEADER>0001193125-20-112680.hdr.sgml : 20200421
<ACCEPTANCE-DATETIME>20200421062506
ACCESSION NUMBER:		0001193125-20-112680
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20200420
FILED AS OF DATE:		20200421
DATE AS OF CHANGE:		20200421

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HDFC BANK LTD
		CENTRAL INDEX KEY:			0001144967
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			K7
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15216
		FILM NUMBER:		20803925

	BUSINESS ADDRESS:	
		STREET 1:		'HDFC BANK HOUSE', SENAPATI BAPAT ROAD
		STREET 2:		LOWER PAREL (WEST), MUMBAI INDIA
		CITY:			INDIA
		STATE:			K7
		ZIP:			400013
		BUSINESS PHONE:		91224957676

	MAIL ADDRESS:	
		STREET 1:		KAMALA MILLS COMPOUND
		STREET 2:		SENAPATI BAPAT MARG, LOWER PAREL
		CITY:			MUMBAI INDIA
		STATE:			K7
		ZIP:			400013
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>d915503d6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 6-K</TITLE>
</HEAD>
  <BODY STYLE="font: 10pt Times New Roman, Times, Serif">
  <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P>
<DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 4pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV>
 <P STYLE="margin: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt"><B>UNITED STATES</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Washington, D.C. 20549</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>
<DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt"><B>Form 6-K</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"></P>
<DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Report of Foreign Private Issuer</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Pursuant to Rule 13a-16 or 15d-16 under the</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Securities Exchange Act of 1934</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For the month of April, 2020</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Commission File Number 001-15216</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 24pt"><B>HDFC BANK LIMITED</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Translation of registrant&rsquo;s name into
English)</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>HDFC Bank House, Senapati Bapat Marg,</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Lower Parel, Mumbai. 400 013, India</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Address of principal executive office)</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate by check mark whether the registrant files or will file annual reports under
cover of Form 20-F or Form 40-F.</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form 20-F &#9746; Form 40-F &#9744;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted
by Regulation S-T Rule 101(b)(1): Yes &#9744; No &#9746;</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Note</B>:
Regulation S-T Rule 101(b)(1) only permits the submission in paper of a Form 6-K if submitted solely to provide an attached annual report to security holders.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted
by Regulation S-T Rule 101(b)(7): Yes &#9744; No &#9746;</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Note:
</B>Regulation S-T Rule 101(b)(7) only permits the submission in paper of a Form 6-K if submitted to furnish a report or other document that the registrant foreign private issuer must furnish and make public under the laws of the jurisdiction in
which the registrant is incorporated, domiciled or legally organized (the registrant&rsquo;s &ldquo;home country&rdquo;), or under the rules of the home country exchange on which the registrant&rsquo;s securities are traded, as long as the report or
other document is not a press release, is not required to be and has not been distributed to the registrant&rsquo;s security holders, and, if discussing a material event, has already been the subject of a Form 6-K submission or other Commission
filing on EDGAR.</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate by check mark whether the registrant by furnishing the information contained in
this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934. Yes &#9744; No &#9746;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If &ldquo;Yes&rdquo; is marked, indicate below the file number assigned to the registrant
in connection with Rule 12g3-2(b):</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">82-_<U>Not
Applicable</U>______________.</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>
<DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 5pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 4pt solid; width: 100%">&nbsp;</DIV></DIV>
 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P> </DIV></CENTER>

<DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SIGNATURES</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD COLSPAN="2">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid"><B>HDFC BANK LIMITED</B></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant)</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 47%">Date: April 20, 2020</TD>
<TD STYLE="width: 3%">By</TD>
<TD STYLE="width: 40%; border-bottom: Black 1pt solid"> <I>IsI</I> Santosh Haldankar</TD>
<TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD>&nbsp;</TD>
<TD COLSPAN="2">Name: Santosh Haldankar</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD>&nbsp;</TD>
<TD COLSPAN="2">Title: Senior Vice President - Legal &amp; Company Secretary</TD>
<TD>&nbsp;</TD></TR> </TABLE> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">EXHIBIT INDEX</FONT></P>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following documents (bearing the exhibit number listed below) are furnished herewith
and are made a part of this Report pursuant to the General Instructions for Form 6-K.</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Exhibit</U>
I</FONT></P> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Description</U> </FONT></P>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Communication dated April 18, 2020 addressed to The New York Stock Exchange, 11, Wall Street, New York, NY 10005, United States of America (USA) intimating about Audited Financial
Results for the last quarter and year ended March 31, 2020 alongwith Audited Consolidated accounts for the year ending March 31, 2020 duly approved by the Board of Directors at its meeting held on April 18, 2020.</FONT></P>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit I</B></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>April 18,
2020</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 42%; padding-right: 0; padding-left: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>New York Stock
Exchange</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11, Wall Street,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New York,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NY 10005</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">USA</FONT></P></TD>
<TD STYLE="width: 58%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR> </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dear Sirs,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Re: Outcome of Board Meeting held on April 18, 2020</U></B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Please find attached herewith the Audited Financial Results for the last quarter and year
ended March 31, 2020 along with the audited consolidated accounts for the year ending March 31, 2020, duly approved by the Board of Directors at its meeting held today. The press release in this regard is also enclosed.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Statutory Auditors of the Bank, M/s MSKA &amp; Associates, Chartered Accountants, have
issued the Audit Report on the Standalone and Consolidated financial results for the quarter and year ended March 31, 2020 with unmodified opinion.</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Reserve Bank of India, vide its circular dated April 17, 2020, has decided that banks shall not make any further dividend payouts from profits pertaining to the financial year ended March 31, 2020 until further instructions, with a view that banks
must conserve capital in an environment of heightened uncertainty caused by COVID-19. Accordingly, the Board of Directors of the Bank, at their meeting held today, has not proposed any final dividend for the year ended March 31, 2020.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This is for your information and record.</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thanking you,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yours faithfully,</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For HDFC Bank Limited</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
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<TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sd/-</FONT></TD>
<TD STYLE="text-align: left"></TD></TR></TABLE> <P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Santosh Haldankar</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Sr. Vice President (Legal) &amp; Company Secretary</B></FONT></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
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 <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in">
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<IMG SRC="g915503img001_v1.jpg" ALT="">&nbsp;</P> <P STYLE="margin: 0">&nbsp;</P>
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<TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">HDFC BANK LIMITED</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">CIN : L65920MH1994PLC080618</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">Sandoz House, Shivsagar Estate, Dr. Annie Besant Road, Worli, Mumbai 400 018.</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">Website: https://www.hdfcbank.com, Tel.: 022- 6652 1000, Fax: 022- 2496 0739</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
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<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
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<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">AUDITED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED MARCH 31, 2020</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: normal; font-style: normal">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: normal; font-style: normal; text-align: right">(&#8377; in lacs)</TD>
<TD STYLE="font-size: 8pt; font-weight: normal; font-style: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="10" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Quarter ended</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="6" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Year ended</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt"><B>31.03.2020</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.12.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; text-align: center; padding-bottom: 1pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt"><B>Audited </B><BR> <B>(Refer note 5)</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Unaudited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited <BR> (Refer note 5)</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 3%; text-align: left">1</TD>
<TD STYLE="width: 42%; text-align: left">Interest Earned (a)+(b)+(c)+(d)</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">2988506</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">2936972</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">2633325</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">11481265</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">9897205</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">a) Interest / discount on advances / bills</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2404458</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2342463</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2101949</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9178788</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">7754419</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">b) Income on Investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">509070</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">520314</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">504692</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2063332</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1999746</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">c) Interest on balances with Reserve Bank of India and&nbsp;&nbsp;other inter bank funds</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">62902</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">60829</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11150</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">182893</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">63570</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">d) Others</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">12076</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13366</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">15534</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">56252</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">79470</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">2</TD>
<TD STYLE="text-align: left">Other Income</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">603257</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">666928</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">487121</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2326082</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1762587</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">3</TD>
<TD STYLE="font-weight: bold; text-align: left">Total Income (1)+(2)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3591763</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3603900</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3120446</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">13807347</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">11659792</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">4</TD>
<TD STYLE="text-align: left">Interest Expended</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1468100</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1519682</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1324376</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5862640</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5072883</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">5</TD>
<TD STYLE="text-align: left">Operating Expenses (i)+(ii)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">827781</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">789677</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">711710</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">3069752</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2611937</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">i) Employees cost</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">249826</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">245496</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">207440</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">952567</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">776176</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">ii) Other operating expenses</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">577955</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">544181</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">504270</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2117185</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1835761</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">6</TD>
<TD STYLE="font-weight: bold; text-align: left">Total Expenditure (4)+(5) (excluding Provisions and Contingencies)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2295881</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2309359</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2036086</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8932392</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">7684820</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">7</TD>
<TD STYLE="font-weight: bold; text-align: left">Operating Profit before Provisions and Contingencies (3)-(6)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1295882</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1294541</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1084360</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">4874955</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3974972</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">8</TD>
<TD STYLE="text-align: left">Provisions (other than tax) and Contingencies</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">378449</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">304356</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">188922</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1214239</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">755008</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">9</TD>
<TD STYLE="text-align: left">Exceptional Items</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">10</TD>
<TD STYLE="font-weight: bold; text-align: left">Profit / (Loss) from Ordinary Activities before tax (7)-(8)-(9)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">917433</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">990185</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">895438</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3660716</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3219964</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">11</TD>
<TD STYLE="text-align: left">Tax&nbsp;&nbsp;Expense</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">224664</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">248537</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">306926</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1034984</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1112150</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">12</TD>
<TD STYLE="font-weight: bold; text-align: left">Net Profit / (Loss) from Ordinary Activities after tax (10)-(11)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">692769</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">741648</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">588512</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2625732</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2107814</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">13</TD>
<TD STYLE="text-align: left">Extraordinary items (net of tax expense)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">14</TD>
<TD STYLE="font-weight: bold; text-align: left">Net Profit / (Loss) for the period (12)-(13)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">692769</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">741648</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">588512</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2625732</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2107814</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">15</TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left">Paid up equity share capital (Face Value of &#8377; 1/- each)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54833</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54770</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54466</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54833</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54466</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">16</TD>
<TD STYLE="text-align: left">Reserves excluding revaluation reserves</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17043769</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">14866166</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">17</TD>
<TD STYLE="font-weight: bold; text-align: left">Analytical Ratios</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(i)&nbsp;&nbsp;Percentage of shares held by Government of India</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(ii) Capital Adequacy Ratio</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">18.5</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">18.5</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17.1</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">18.5</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17.1</TD>
<TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: normal; font-style: normal">(iii) Earnings per share (EPS) (&#8377;) (Face Value of &#8377; 1/- each)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(a) Basic EPS before &amp; after extraordinary items (net of tax expense) - not annualized</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">12.6</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13.5</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10.8</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">48.0</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">39.3</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(b) Diluted EPS before &amp; after extraordinary items (net of tax expense) - not annualized</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">12.6</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13.4</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10.7</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">47.7</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">39.0</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(iv) NPA Ratios</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(a) Gross NPAs</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1264997</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1342725</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1122416</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1264997</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1122416</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(b) Net NPAs</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">354236</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">446835</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">321452</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">354236</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">321452</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(c) % of Gross NPAs to Gross Advances</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.26</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.42</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.36</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.26</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.36</TD>
<TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(d) % of Net NPAs to Net Advances</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.36</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.48</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.39</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.36</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.39</TD>
<TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(v) Return on assets (average) - not annualized</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.49</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.55</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">0.51</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2.01</TD>
<TD STYLE="text-align: left">%</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1.90</TD>
<TD STYLE="text-align: left">%</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 11pt">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai -
400013.</B></FONT></TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">
<IMG SRC="g915503img002_v1.jpg" ALT="">&nbsp;</P> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="text-align: left">Segment information in accordance with the Accounting Standard 17 - Segment Reporting of the operating segments of the Bank is as under:</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="21" STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: normal; font-style: normal">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: normal; font-style: normal; text-align: right">(&#8377; in lacs)</TD>
<TD STYLE="font-size: 8pt; font-weight: normal; font-style: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="10" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Quarter ended</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="6" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Year ended</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-size: 8pt; font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="font-size: 8pt; text-align: left">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">31.03.2020</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">31.12.2019</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">31.03.2019</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">31.03.2020</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">31.03.2019</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 8pt; font-weight: bold; text-align: left">Particulars</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Audited<BR> (Refer note 5)</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Unaudited</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Audited<BR> (Refer note 5)</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Audited</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Audited</TD>
<TD STYLE="padding-bottom: 1pt; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 3%; color: #000000; font-weight: bold; text-align: center">1</TD>
<TD STYLE="width: 42%; font-weight: bold; text-align: left">Segment Revenue</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">690738</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">708374</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">590094</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2655844</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2357648</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2821059</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2775928</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2401535</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10799994</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">8922234</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1527601</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1576940</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1457003</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6113445</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5456354</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">504799</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">521074</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">424596</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1903341</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1529943</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">e)</TD>
<TD>Unallocated</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">153</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">219</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5278</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold">Total</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5544350</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5582316</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">4873228</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">21472843</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">18271457</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="text-align: left; padding-bottom: 1pt">Less: Inter Segment Revenue</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1952587</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1978416</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1752782</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">7665496</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">6611665</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Income from Operations</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3591763</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3603900</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3120446</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">13807347</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">11659792</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="color: #000000; font-weight: bold; text-align: center">2</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Results</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">108230</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90373</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">59218</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">346277</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">130576</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">266747</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">318421</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">317451</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1294246</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1179627</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">381348</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">397927</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">372483</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1412109</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1422412</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">202533</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">226352</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">191256</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">778463</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">679153</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(41425</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(42888</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(44970</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(170379</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(191804</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Total Profit Before Tax</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">917433</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">990185</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">895438</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3660716</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3219964</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="color: #000000; font-weight: bold; text-align: center">3</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45724091</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">37086993</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">34876621</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45724091</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">34876621</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">48427074</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">47895345</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">42879092</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">48427074</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">42879092</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">52056701</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">47693394</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">40874972</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">52056701</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">40874972</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6050057</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6036452</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5085471</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6050057</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5085471</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">793204</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">821378</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">737915</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">793204</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">737915</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">153051127</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">139533562</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">124454071</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">153051127</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">124454071</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="color: #000000; font-weight: bold; text-align: center">4</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Liabilities</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10201209</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6097321</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6143885</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10201209</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6143885</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90725810</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">85664751</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">73229496</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90725810</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">73229496</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">31762887</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28547637</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">27188713</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">31762887</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">27188713</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">503243</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">554529</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">535706</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">503243</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">535706</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2759376</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2310248</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2435639</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2759376</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2435639</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">135952525</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">123174486</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">109533439</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">135952525</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">109533439</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="color: #000000; font-weight: bold; text-align: center">5</TD>
<TD STYLE="font-weight: bold; text-align: left">Capital Employed</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
<TD STYLE="text-align: left">(Segment Assets - Segment Liabilities)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">35522882</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">30989672</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28732736</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">35522882</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28732736</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">(42298736</TD>
<TD STYLE="color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">(37769406</TD>
<TD STYLE="color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">(30350404</TD>
<TD STYLE="color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">(42298736</TD>
<TD STYLE="color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">(30350404</TD>
<TD STYLE="color: #000000; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">20293814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">19145757</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13686259</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">20293814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13686259</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5546814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5481923</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4549765</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5546814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4549765</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: center">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(1966172</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(1488870</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(1697724</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(1966172</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">(1697724</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: center">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">17098602</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">16359076</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">14920632</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">17098602</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">14920632</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">Business Segments have been identified and reported taking into account the target customer profile, the
nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI.</P> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P>
</DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">
<IMG SRC="g915503img002_v1.jpg" ALT="">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left"><B>&nbsp;</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left"><B>Notes :</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">1</TD>
<TD>Statement of Assets and Liabilities as at March 31, 2020 is given below:</TD> </TR></TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="margin-left: 0.25in; border-collapse: collapse; width: 97%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">(&#8377; in lacs)</FONT></TD>
<TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">As at<BR> 31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">As at<BR> 31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">CAPITAL AND LIABILITIES</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">Audited</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">Audited</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="width: 75%">Capital</TD>
<TD STYLE="width: 1%; color: #000000">&nbsp;</TD>
<TD STYLE="width: 1%; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; color: #000000; text-align: right">54833</TD>
<TD STYLE="width: 1%; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%; color: #000000">&nbsp;</TD>
<TD STYLE="width: 1%; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; color: #000000; text-align: right">54466</TD>
<TD STYLE="width: 1%; color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Reserves and Surplus</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">17043769</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">14866166</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD>Deposits</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">114750231</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">92314093</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD>Borrowings</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">14462854</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">11708513</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Other Liabilities and Provisions</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">6739440</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">5510833</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="color: #000000; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: right">153051127</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: right">124454071</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold">ASSETS</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Cash and Balances with Reserve Bank of India</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">7220512</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">4676362</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Balances with Banks and Money at Call and Short notice</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">1441360</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">3458401</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD>Investments</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">39182666</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">29311607</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD>Advances</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">99370288</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">81940122</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Fixed Assets</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">443191</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; text-align: right">403001</TD>
<TD STYLE="color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Other Assets</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">5393110</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; text-align: right">4664578</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="color: #000000; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: right">153051127</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="color: #000000; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; color: #000000; font-weight: bold; text-align: right">124454071</TD>
<TD STYLE="padding-bottom: 1pt; color: #000000; font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">2</TD>
<TD>Statement of Cashflow as at March 31, 2020 is given below:</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="margin-left: 0.25in; border-collapse: collapse; width: 97%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">Audited</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">Audited</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash flows from operating activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 75%; text-align: left">Profit before income tax</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">3660716</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">3219964</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Adjustments for:</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Depreciation on fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">119585</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">114010</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Profit) / loss on revaluation of investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">70211</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1524</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Amortisation of premium on held to maturity investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">50141</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45346</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Profit) / loss on sale of fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">832</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(643</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Provision / charge for non performing assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">935236</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">658207</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Provision for standard assets and contingencies</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">305158</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">115126</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Dividend from subsidiaries</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(42372</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(20444</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">5099507</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">4133090</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Adjustments for:</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Increase) / decrease in investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(9992161</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(5138924</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">(Increase) / decrease in advances</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(18364046</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(16764549</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Increase / (decrease) in deposits</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">22436137</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13437029</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">(Increase) / decrease in other assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(718012</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(868774</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">Increase / (decrease) in other liabilities and provisions</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">919400</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">818303</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(619175</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(4383825</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Direct taxes paid (net of refunds)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1049802</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1221643</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow used in operating activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(1668977</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(5605468</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash flows used in investing activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Purchase of fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(154688</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(155180</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Proceeds from sale of fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1824</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2124</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">Dividend from subsidiaries</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">42372</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">20444</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow used in investing activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(110492</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(132612</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">Cash flows from financing activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Proceeds from issue of share capital, net of issue expenses</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">184868</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2579044</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Redemption of Tier II capital bonds</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(287,500</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Increase / (decrease) in other borrowings</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2754341</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(314484</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">Dividend paid during the year (including tax on dividend)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(654030</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(405259</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow from financing activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">2285179</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">1571801</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Effect of exchange fluctuation on translation reserve</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">21399</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9535</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net increase / (decrease) in cash and cash equivalents</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">527109</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(4156744</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">Cash and cash equivalents as at April 1st</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8134763</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">12291507</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash and cash equivalents as at March 31st</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8661872</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8134763</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">
<IMG SRC="g915503img002_v1.jpg" ALT="">&nbsp;</P> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">3</TD>
<TD>The above results have been approved by the Board of Directors at its meeting held on April 18, 2020. The financial results for the quarter and year ended March 31, 2020 have been subjected to an audit by the statutory auditors of the Bank. The
report thereon is unmodified. The information presented above is extracted from the audited financial statements. The financial results for the year ended March 31, 2019 were audited by another firm of chartered accountants.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">4</TD>
<TD>The Bank has consistently applied its significant accounting policies in the preparation of its quarterly financial results and its annual financial statements during the years ended March 31, 2020 and March 31, 2019.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">5</TD>
<TD>The figures of the last quarter in each of the financial years are the balancing figures between audited figures in respect of the full financial year and the published year to date figures upto the end of the third quarter of the respective
financial year.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">6</TD>
<TD>The Reserve Bank of India, vide its circular dated April 17, 2020, has decided that banks shall not make any further dividend payouts from profits pertaining to the financial year ended March 31, 2020 until further instructions, with a view that
banks must conserve capital in an environment of heightened uncertainty caused by COVID-19. Accordingly, the Board of Directors of the Bank, at their meeting held on April 18, 2020, has not proposed any final dividend for the year ended March 31,
2020.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">7</TD>
<TD>The shareholders of the Bank, at its Annual General Meeting held on July 12, 2019 approved the sub-division (split) of one equity share of the Bank from face value of ` 2/- each into two equity shares of face value of ` 1/- each.&nbsp;&nbsp;All
shares and per share information in the financial results reflect the effect of sub-division (split) retrospectively.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">8</TD>
<TD>During the quarter and year ended March 31, 2020, the Bank allotted 62,59,392 and 3,66,73,240 equity shares respectively pursuant to the exercise of options under the approved employee stock option schemes.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">9</TD>
<TD>Other income relates to income (including commission) from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, profit and loss (including revaluation) from investments, dividends from subsidiaries
and recoveries from accounts previously written off.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">10</TD>
<TD>The SARS-CoV-2 virus responsible for COVID-19 continues to spread across the globe and India, which has contributed to a significant decline and volatility in global and Indian financial markets and a significant decrease in global and local
economic activities. On March 11, 2020, the COVID-19 outbreak was declared a global pandemic by the World Health Organization. Numerous governments and companies, including the Bank, have introduced a variety of measures to contain the spread of the
virus. On March 24, 2020, the Indian government announced a strict 21-day lockdown which was further extended by 19 days across the country to contain the spread of the virus. The extent to which the COVID-19 pandemic will impact the Bank's results
will depend on future developments, which are highly uncertain, including, among other things, any new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its impact whether
government-mandated or elected by the Bank.</TD> </TR></TABLE> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left; margin-left: 0.25in">In accordance with the RBI guidelines relating to COVID-19
Regulatory Package dated March 27, 2020 and April 17, 2020, the Bank would be granting a moratorium of three months on the payment of all installments and / or interest, as applicable, falling due between March 1, 2020 and May 31, 2020 to all
eligible borrowers classified as Standard, even if overdue, as on February 29, 2020. For all such accounts where the moratorium is granted, the asset classification shall remain stand still during the moratorium period (i.e. the number of days
past-due shall exclude the moratorium period for the purposes of asset classification under the Income Recognition, Asset Classification and Provisioning norms).</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left; margin-left: 0.25in">The Bank holds provisions as at March 31, 2020 against the potential impact of COVID-19 based on the information available at
this point in time. The provisions held by the Bank are in excess of the RBI prescribed norms.</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">11</TD>
<TD>Other operating expenses include commission paid to sales agents of&nbsp;&nbsp;&#8377; 856.17 crore (previous period: &#8377; 697.55 crore) and &#8377; 3,154.21 crore (previous year: &#8377; 2,805.61 crore) for the quarter and year
ended&nbsp;&nbsp;March 31, 2020 respectively.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">12</TD>
<TD>Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period's classification.</TD> </TR></TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD>
<TD STYLE="width: 0.25in; text-align: left">13</TD>
<TD>&#8377; 10 lac = &#8377; 1 million</TD> </TR></TABLE> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left; margin-left: 0.25in">&nbsp;&#8377; 10 million = &#8377; 1 crore</P>
<P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; width: 80%">&nbsp;&nbsp;Place : Mumbai</TD>
<TD STYLE="text-align: center; width: 20%">Aditya Puri</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left">&nbsp;&nbsp;Date&nbsp;&nbsp;: April 18, 2020</TD>
<TD STYLE="text-align: center">Managing Director</TD> </TR> </TABLE> <P STYLE="margin: 0"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0">
<IMG SRC="g915503img001_v1.jpg" ALT="">&nbsp;</P> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center; width: 100%">HDFC BANK LIMITED</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">CIN : L65920MH1994PLC080618</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">Sandoz House, Shivsagar Estate, Dr. Annie Besant Road, Worli, Mumbai 400 018.<BR></TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">Website: https://www.hdfcbank.com, Tel.: 022- 6652 1000, Fax: 022- 2496 0739</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center">AUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED MARCH 31, 2020</TD> </TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; width: 3%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 42%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: right; width: 8%"><FONT STYLE="font-size: 8pt">(&#8377; in lacs)</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left; width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt"></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD COLSPAN="9" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;Quarter ended</FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="6" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;Year ended</FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>31.03.2020</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.12.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Audited <BR> (Refer note 5)</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Unaudited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited<BR> (Refer note 5)</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">1</TD>
<TD STYLE="text-align: left">Interest Earned (a)+(b)+(c)+(d)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">3179505</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">3120092</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2804505</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">12218930</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10516075</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">a) Interest / discount on advances / bills</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2591924</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2526590</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2272760</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9907963</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">8373616</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">b) Income on Investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">507557</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">515536</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">502759</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2057273</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1992475</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">c) Interest on balances with Reserve Bank of India and other inter bank funds</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">64128</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">61925</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11928</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">186877</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">66062</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">d) Others</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">15896</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">16041</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17058</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">66817</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">83922</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">2</TD>
<TD STYLE="text-align: left">Other Income</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">649212</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">712478</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">521543</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2487898</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1894705</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">3</TD>
<TD STYLE="font-weight: bold; text-align: left">Total Income (1)+(2)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3828717</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3832570</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3326048</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">14706828</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">12410780</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">4</TD>
<TD STYLE="text-align: left">Interest Expended</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1552857</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1607327</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1406156</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6213743</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5371269</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">5</TD>
<TD STYLE="text-align: left">Operating Expenses (i)+(ii)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">886024</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">852535</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">755210</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">3303605</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2769476</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">i) Employees cost</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">337684</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">333105</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">272818</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1292013</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1045115</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">ii) Other operating expenses</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">548340</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">519430</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">482392</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2011592</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1724361</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">6</TD>
<TD STYLE="font-weight: bold; text-align: left">Total Expenditure (4)+(5) (excluding Provisions and Contingencies)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2438881</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2459862</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2161366</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">9517348</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8140745</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">7</TD>
<TD STYLE="font-weight: bold; text-align: left">Operating Profit before Provisions and Contingencies (3)-(6)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1389836</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1372708</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1164682</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5189480</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">4270035</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">8</TD>
<TD STYLE="text-align: left">Provisions (Other than tax) and Contingencies</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">421650</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">347790</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">206352</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1369994</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">838218</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">9</TD>
<TD STYLE="text-align: left">Exceptional Items</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">10</TD>
<TD STYLE="font-weight: bold; text-align: left">Profit / (Loss) from ordinary activities before tax (7)-(8)-(9)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">968186</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">1024918</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">958330</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3819486</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">3431817</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">11</TD>
<TD STYLE="text-align: left">Tax&nbsp;&nbsp;Expense</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">238515</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">258922</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">327278</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1089859</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1187255</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">12</TD>
<TD STYLE="font-weight: bold; text-align: left">Net Profit / (Loss) from Ordinary Activities after tax (10)-(11)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">729671</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">765996</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">631052</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2729627</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2244562</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">13</TD>
<TD STYLE="text-align: left">Extraordinary items (net of tax expense)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">14</TD>
<TD STYLE="font-weight: bold; text-align: left">Net Profit / (Loss) for the period (12)-(13)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">729671</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">765996</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">631052</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2729627</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2244562</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">15</TD>
<TD STYLE="text-align: left">Less: Share of Profit / (Loss) of minority shareholders</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1649</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">31</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">971</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4231</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11318</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">16</TD>
<TD STYLE="font-weight: bold; text-align: left">Consolidated Net Profit / (Loss) for the period (14)-(15)</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">728022</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">765965</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">630081</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2725396</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">2233244</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">17</TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left">Paid up equity share capital (Face Value of &#8377; 1/- each)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54833</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54770</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54466</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54833</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">54466</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">18</TD>
<TD STYLE="text-align: left">Reserves excluding revaluation reserves</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17581038</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">15312800</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">19</TD>
<TD STYLE="font-weight: bold; text-align: left">Analytical Ratios</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(i)&nbsp;&nbsp;Percentage of shares held by Government of India</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;Nil</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: normal; font-style: normal">(ii) Earnings per share (EPS) (&#8377;) (Face Value of &#8377; 1/- each)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(a) Basic EPS before &amp; after extraordinary items (net of tax expense) - not annualized</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13.3</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">14.0</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11.6</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">49.8</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">41.7</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(b) Diluted&nbsp;&nbsp;EPS before &amp; after extraordinary items (net of tax expense) - not annualized</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13.2</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13.9</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11.5</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">49.5</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">41.3</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center; width: 3%">Regd. Office : HDFC Bank Ltd., HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400013.</TD></TR></TABLE> <P STYLE="margin: 0">&nbsp;</P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in">
<IMG SRC="g915503img002_v1.jpg" ALT=""><P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">Consolidated
Segment information in accordance with the Accounting Standard 17 - Segment Reporting of the operating segments of the Bank is as under:</P> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD COLSPAN="2" STYLE="color: red; text-align: right">&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD COLSPAN="2" STYLE="color: red; text-align: right">&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD COLSPAN="2" STYLE="color: red; text-align: right">&nbsp;</TD>
<TD STYLE="color: red">&nbsp;</TD>
<TD STYLE="font-weight: normal; font-style: normal">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: normal; font-style: normal; text-align: right"><FONT STYLE="font-size: 8pt">(&#8377; in lacs)</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center"></TD>
<TD STYLE="text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="10" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Quarter ended</FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Year ended</FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center"></TD>
<TD STYLE="text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>31.03.2020</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">31.12.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center"></TD>
<TD STYLE="text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Particulars</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Audited <BR> (Refer note 5)</B></FONT></TD>
<TD STYLE="padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Unaudited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited <BR> (Refer note 5)</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 3%; color: #000000; font-weight: bold; text-align: left">1</TD>
<TD STYLE="width: 42%; font-weight: bold; text-align: left">Segment Revenue</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">690738</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">708374</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">590094</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2655844</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2357648</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2821059</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2775928</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2401535</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10799994</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">8922234</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1527601</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1576940</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1457003</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6113445</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5456354</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">741753</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">749744</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">630197</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2802822</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2280931</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">e)</TD>
<TD>Unallocated</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">153</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">219</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5278</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">Total</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5781304</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5810986</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">5078829</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">22372324</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">19022445</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left; padding-bottom: 1pt">Less: Inter Segment Revenue</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1952587</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1978416</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1752781</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">7665496</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">6611665</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Income from Operations</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3828717</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3832570</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3326048</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">14706828</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">12410780</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="color: #000000; font-weight: bold; text-align: left">2</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Results</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">108230</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90373</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">59218</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">346277</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">130576</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">266747</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">318421</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">317451</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1294246</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1179627</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">381348</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">397927</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">372483</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1412109</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1422412</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">253286</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">261085</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">254148</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">937233</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">891006</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(41425</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(42888</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(44970</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(170379</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(191804</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Total Profit Before Tax and Minority Interest</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">968186</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">1024918</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">958330</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3819486</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">3431817</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="color: #000000; font-weight: bold; text-align: left">3</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45724091</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">37086993</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">34876621</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45724091</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">34876621</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">48427074</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">47895345</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">42879092</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">48427074</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">42879092</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">52056701</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">47693394</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">40874972</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">52056701</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">40874972</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11081971</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11026688</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9911971</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">11081971</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9911971</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">793204</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">821378</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">737915</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">793204</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">737915</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">158083041</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">144523798</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">129280571</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">158083041</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">129280571</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="color: #000000; font-weight: bold; text-align: left">4</TD>
<TD STYLE="font-weight: bold; text-align: left">Segment Liabilities</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10201209</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6097321</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6143885</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">10201209</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6143885</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90725810</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">85664751</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">73229496</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90725810</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">73229496</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">31762887</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28547637</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">27188713</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">31762887</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">27188713</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4940224</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4984839</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4865392</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4940224</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4865392</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2759376</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2310248</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2435640</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2759376</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2435640</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">140389506</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">127604796</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">113863126</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">140389506</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">113863126</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="color: #000000; font-weight: bold; text-align: left">5</TD>
<TD STYLE="font-weight: bold; text-align: left">Capital Employed</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: left">(Segment Assets - Segment Liabilities)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">a)</TD>
<TD>Treasury</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">35522882</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">30989672</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28732736</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">35522882</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28732736</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">b)</TD>
<TD STYLE="text-align: left">Retail Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(42298736</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(37769406</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(30350404</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(42298736</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(30350404</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">c)</TD>
<TD STYLE="text-align: left">Wholesale Banking</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">20293814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">19145757</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13686259</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">20293814</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13686259</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">d)</TD>
<TD STYLE="text-align: left">Other Banking Operations</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6141747</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6041849</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5046578</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">6141747</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">5046578</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">e)</TD>
<TD STYLE="padding-bottom: 1pt">Unallocated</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1966172</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1488870</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1697724</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1966172</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1697724</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">17693535</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">16919002</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">15417445</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">17693535</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">15417445</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">Business Segments have been identified and reported taking into account the target customer profile, the
nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI.</P> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P>
</DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0">
<IMG SRC="g915503img002_v1.jpg" ALT="">&nbsp;</P> <P STYLE="margin: 0"></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left"><B>Notes :</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">1 &nbsp; &nbsp; Consolidated Statement of Assets and Liabilities as at March 31, 2020 is given below:</P>
<P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: normal; font-style: normal; text-align: right"><FONT STYLE="font-size: 8pt">(&#8377; in lacs)</FONT></TD>
<TD STYLE="font-weight: normal; font-style: normal"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-size: 8pt"><U>CAPITAL AND LIABILITIES</U></FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 78%; text-align: left">Capital</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">54833</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">54466</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Reserves and Surplus</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">17581038</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">15312800</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Minority Interest</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">57664</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">50179</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Deposits</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">114620714</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">92250268</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Borrowings</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">18683431</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">15773278</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Other Liabilities and Provisions</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">7085361</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">5839580</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">158083041</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">129280571</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">ASSETS</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Cash and balances with Reserve Bank of India</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">7221100</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">4680459</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Balances with Banks and Money at Call and Short notice</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1572910</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">3501305</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">38930495</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">28944587</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Advances</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">104367088</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">86922266</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Fixed Assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">462685</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">421984</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Other Assets</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">5528763</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">4809970</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Total</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">158083041</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">129280571</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: left">2 &nbsp; &nbsp; Consolidated Statement of Cashflow as at March 31, 2020 is given below:</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Particulars</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2020</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">As at<BR> 31.03.2019</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
<TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">Audited</FONT></TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash flows from operating activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="width: 78%; text-align: left">Consolidated profit before income tax</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">3815255</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 1%">&nbsp;</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD>
<TD STYLE="width: 8%; text-align: right">3420499</TD>
<TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Adjustment for:</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Depreciation on fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">127677</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">122067</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Profit) / loss on revaluation of investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">70211</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1524</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Amortisation of premium on held to maturity investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">50141</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">45346</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Profit) / loss on sale of fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">819</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(621</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Provision / charge for non performing assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">1106571</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">742338</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">Provision for standard assets and contingencies</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">305743</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">118525</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">5476417</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">4449678</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Adjustments for:</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">(Increase) / decrease in investments</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(10107010</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(5145836</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">(Increase) / decrease in advances</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(18550036</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(17660750</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Increase / (decrease) in deposits</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">22370446</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">13412754</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">(Increase) / decrease in other assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(724976</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(971680</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left; padding-bottom: 1pt">Increase / (decrease) in other liabilities and provisions</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">935987</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">878511</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(599172</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(5037323</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Direct taxes paid (net of refunds)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1087737</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(1249831</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow used in operating activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(1686909</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(6287154</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash flows used in investing activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Purchase of fixed assets</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(163587</TD>
<TD STYLE="text-align: left">)</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(162061</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Proceeds from sale of fixed assets</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">1895</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">2220</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow used in investing activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(161692</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">(159841</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash flows from financing activities</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Increase in minority interest</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">7485</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">14546</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Proceeds from issue of share capital, net of issue expenses</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">184868</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2579043</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Proceeds from issue of&nbsp;&nbsp;Tier I and Tier II capital bonds</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">74350</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">90000</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left">Redemption of Tier II capital bonds</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&mdash;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">(287500</TD>
<TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Increase / (decrease) in other borrowings</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">2835804</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">326568</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: left; padding-bottom: 1pt">Dividend paid during the year (including tax on dividend)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(663059</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">(409589</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 1pt">Net cash flow from financing activities</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">2439448</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right">2313068</TD>
<TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="text-align: left">Effect of exchange fluctuation on translation reserve</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">21399</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">9535</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right; padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
<TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Net increase / (decrease) in cash and cash equivalents</TD>
<TD STYLE="font-weight: bold; padding-bottom: 2.5pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">612246</TD>
<TD STYLE="padding-bottom: 2.5pt; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; padding-bottom: 2.5pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="border-bottom: Black 2.5pt double; font-weight: bold; text-align: right">(4124392</TD>
<TD STYLE="padding-bottom: 2.5pt; font-weight: bold; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD>&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD>
<TD STYLE="text-align: right">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
<TD STYLE="font-weight: bold; text-align: left">Cash and cash equivalents as at April 1st</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8181764</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">12306156</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
<TD STYLE="font-weight: bold; text-align: left">Cash and cash equivalents as at March 31st</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8794010</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: right">8181764</TD>
<TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD></TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in">
<IMG SRC="g915503img002_v1.jpg" ALT=""><P STYLE="margin: 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="font-weight: bold; text-align: left; width: 2%; vertical-align: top">&nbsp;</TD>
<TD STYLE="font-weight: bold; text-align: left; width: 98%">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">3</TD>
<TD STYLE="text-align: left">The above financial results represent the consolidated financial results for HDFC Bank Limited and its subsidiaries constituting the 'Group'. These financial results have been approved by the Board of Directors of the
Bank at its meeting held on April 18, 2020. The financial results for the quarter and year ended March 31, 2020 have been subjected to an audit by the statutory auditors of the Bank. The report thereon is unmodified. The financial results for the
year ended March 31, 2019 were audited by another firm of chartered accountants.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">4</TD>
<TD STYLE="text-align: left">The Group has consistently applied its significant accounting policies in the preparation of its quarterly financial results and its annual financial statements during the years ended March 31, 2020 and March 31,
2019.<BR></TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">5</TD>
<TD STYLE="text-align: left">The figures for the quarter ended March 31, 2020 and March 31,2019 are the balancing figures between audited figures in respect of the&nbsp;full financial year and the published / unaudited year to date figures upto end
of the third quarter of respective financial year.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">6</TD>
<TD STYLE="text-align: left">The Reserve Bank of India, vide its circular dated April 17, 2020, has decided that banks shall not make any further dividend payouts from profits pertaining to the financial year ended March 31, 2020 until further
instructions, with a view that banks must conserve capital in an environment of heightened uncertainty caused by COVID-19. Accordingly, the Board of Directors of the Bank, at their meeting held on April 18, 2020, has not proposed any final dividend
for the year ended March 31, 2020.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">7</TD>
<TD STYLE="text-align: left">The SARS-CoV-2 virus responsible for COVID-19 continues to spread across the globe and India, which has contributed to a significant decline and volatility in global and Indian financial markets and a significant
decrease in global and local economic activities. On March 11, 2020, the COVID-19 outbreak was declared a global pandemic by the World Health Organization. Numerous governments and companies, including the Bank, have introduced a variety of measures
to contain the spread of the virus. On March 24, 2020, the Indian government announced a strict 21-day lockdown which was further extended by 19 days across the country to contain the spread of the virus. The extent to which the COVID-19 pandemic
will impact the Bank's results will depend on future developments, which are highly uncertain, including, among other things, any new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its
impact whether government-mandated or elected by the Bank.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">In accordance with the RBI guidelines relating to COVID-19 Regulatory Package dated March 27, 2020 and April 17, 2020, the Bank would be granting a moratorium of three months on the payment of all installments and / or
interest, as applicable, falling due between March 1, 2020 and May 31, 2020 to all eligible borrowers classified as Standard, even if overdue, as on February 29, 2020. For all such accounts where the moratorium is granted, the asset classification
shall remain stand still during the moratorium period (i.e. the number of days past-due shall exclude the moratorium period for the purposes of asset classification under the Income Recognition, Asset Classification and Provisioning norms).</TD>
</TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">The Bank holds provisions as at March 31, 2020 against the potential impact of COVID-19 based on the information available at this point in time. The provisions held by the Bank are in excess of the RBI prescribed
norms.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">8</TD>
<TD STYLE="text-align: left">In accordance with the RBI guidelines, banks are required to make consolidated Pillar 3 disclosures including leverage ratio and liquidity coverage ratio under the Basel III Framework. These disclosures are available on
the Bank's website at the following link: http://www.hdfcbank.com/aboutus/basel_disclosures/ default.htm. The disclosures have not been subjected to audit or review by the statutory auditors.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">9</TD>
<TD STYLE="text-align: left">Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period's classification.</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="text-align: left">&nbsp;</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="color: #000000; text-align: left; vertical-align: top">10</TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left">&#8377; 10 lac = &#8377; 1 million</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD STYLE="font-weight: normal; font-style: normal; text-align: left">&#8377; 10 million = &#8377; 1 crore</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; vertical-align: top">&nbsp;</TD>
<TD>&nbsp;</TD> </TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left; width: 80%">&nbsp;&nbsp;Place : Mumbai</TD>
<TD STYLE="text-align: center; width: 20%">Aditya Puri</TD> </TR>
<TR STYLE="vertical-align: bottom">
<TD STYLE="text-align: left">&nbsp;&nbsp;Date&nbsp;&nbsp;: April 18, 2020</TD>
<TD STYLE="text-align: center">Managing Director</TD> </TR> </TABLE> <P STYLE="margin: 0">&nbsp;</P> <P STYLE="margin: 0"></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
 <P STYLE="margin: 0">&nbsp;</P> <CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="margin: 0"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 35%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P></TD></TR> </TABLE> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>HDFC Bank Limited</B><BR> <BR> <B>FINANCIAL RESULTS (INDIAN GAAP) FOR THE QUARTER AND
YEAR ENDED MARCH 31, 2020</B></FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Board of Directors of HDFC Bank Limited approved the Bank&#8217;s (Indian GAAP) results
for the quarter and full year ended March 31, 2020, at their meeting held in Mumbai on Saturday, April 18, 2020. The accounts have been subjected to an audit by the statutory auditors of the Bank.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>STANDALONE FINANCIAL RESULTS:</U></B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Profit &amp; Loss Account: Quarter ended March 31, 2020</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank&#8217;s net revenues (net interest income plus other income) increased by 18.2% to
&#8377; 21,236.6 crore for the quarter ended March 31, 2020 over the corresponding quarter of the previous year.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
interest income (interest earned less interest expended) for the quarter ended March 31, 2020 grew to &#8377; 15,204.1 crore from &#8377; 13,089.5 crore for the quarter ended March 31, 2019, driven by growth in advances of 21.3%, and a growth in
deposits of 24.3%. The net interest margin for the quarter was at 4.3%.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other income (non-interest revenue) at &#8377; 6,032.6 crore was 28.4% of the net revenues
for the quarter ended March 31, 2020 as against &#8377; 4,871.2 crore in the corresponding quarter ended March 31, 2019. The four components of other income for the quarter ended March 31, 2020 were fees &amp; commissions of &#8377; 4,200.8 crore
(&#8377; 3,665.4 crore in the corresponding quarter of the previous year), foreign exchange &amp; derivatives revenue of &#8377; 500.8 crore (&#8377; 403.3 crore for the corresponding quarter of the previous year), gain on sale / revaluation of
investments of &#8377; 565.3 crore (gain of &#8377; 228.9 crore in the corresponding quarter of the previous year) and miscellaneous income, including recoveries and dividend, of &#8377; 765.7 crore (&#8377; 573.6 crore for the corresponding quarter
of the previous year).</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></p> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">During the quarter, there was a considerable slowdown in economic activities following the outbreak of
COVID-19. Furthermore, with the government initiating lockdown in the latter half of March, and our strict adherence to social distancing, not only did we see an impact on business volumes - in terms of loan originations, distribution of third party
products, and payments product activities, but we also could not optimize our collection efforts, and as a result of which fees/other income were lower by &#8377;&nbsp;450&nbsp;crore.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating expenses for the quarter ended March 31, 2020 were &#8377; 8,277.8 crore, an
increase of 16.3% over &#8377; 7,117.1 crore during the corresponding quarter of the previous year. The cost-to-income ratio for the quarter was at 39.0% as against 39.6% for the corresponding quarter ended March 31, 2019.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-provision Operating Profit (PPOP) at &#8377; 12,958.8 crore grew by 19.5% over the
corresponding quarter of the previous year.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provisions and contingencies for the quarter ended March 31, 2020 were &#8377; 3,784.5
crore (consisting of specific loan loss provisions of &#8377; 1,917.8 crore and general provisions and other provisions of &#8377; 1,866.7 crore) as against &#8377; 1,889.2 crore (consisting of specific loan loss provisions of &#8377; 1,430.3 crore
and general provisions and other provisions of &#8377; 459.0 crore) for the quarter ended March 31, 2019. Total provisions for the current quarter included credit reserves relating to COVID-19 in the form of contingent provisions of approximately
&#8377;1550 crore. The Core Credit Cost ratio was 0.77%, as compared to 0.92% in the quarter ending December 31, 2019 and 0.69% in the quarter ending March 31, 2019.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Profit before tax (PBT) for the quarter ended March 31, 2020 was at &#8377; 9,174.3 crore.
After providing &#8377; 2,246.6 crore for taxation, the Bank earned a net profit of &#8377; 6,927.7 crore, an increase of 17.7% over the quarter ended March 31, 2019.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
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<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Profit &amp; Loss Account: Year ended March 31, 2020</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For the year ended March 31, 2020, the Bank earned a total income of &#8377; 138,073.5
crore. Net revenues (net interest income plus other income) for the year ended March 31, 2020 were &#8377; 79,447.1 crore, up by 20.6% over &#8377; 65,869.1 crore for the year ended March 31, 2019. The net interest margin for the year ended March
31, 2020 was 4.3%. The cost to income ratio for the year ended March 31, 2020 was at 38.6%, as against 39.7% for the year ended March 31, 2019. The Bank&#8217;s net profit for the year ended March 31, 2020 was &#8377; 26,257.3 crore, up 24.6% over
the year ended March 31, 2019.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance Sheet: As of March 31, 2020</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total balance sheet size as of March 31, 2020 was &#8377; 1,530,511 crore as against
&#8377; 1,244,541 crore as of March 31, 2019, a growth of 23.0%.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total deposits as of March 31, 2020 were &#8377; 1,147,502 crore, an increase of 24.3% over
March 31, 2019. CASA deposits grew by 23.9% with savings account deposits at &#8377; 310,377 crore and current account deposits at &#8377; 174,248 crore. Time deposits were at &#8377; 662,877 crore, an increase of 24.6% over the previous year,
resulting in CASA deposits comprising 42.2% of total deposits as of March 31, 2020. The Bank&#8217;s continued focus on deposits helped in the maintenance of a healthy liquidity coverage ratio at 132%, well above the regulatory
requirement.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total advances as of March 31, 2020 were &#8377; 993,703 crore, an increase of 21.3% over
March 31, 2019. Domestic advances grew by 21.4% over March 31, 2019. As per regulatory [Basel 2] segment classification, domestic retail loans grew by 14.6% and domestic wholesale loans grew by 29.3%. The domestic loan mix as per Basel 2
classification between retail:wholesale was 51:49. Overseas advances constituted 3% of total advances.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Capital Adequacy:</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank&#8217;s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at
18.5% as on March 31, 2020 (17.1% as on March 31, 2019) as against a regulatory requirement of 11.075% which includes Capital Conservation Buffer of 1.875%, and an additional requirement of 0.20% on account of the Bank being identified as a Domestic
Systemically Important Bank (D-SIB). Tier 1 CAR was at 17.2% as of March 31, 2020 compared to 15.8% as of March 31, 2019. Common Equity Tier 1 Capital ratio was at 16.4% as of March 31, 2020. Risk-weighted Assets were at &#8377; 994,716 crore (as
against &#8377; 931,930 crore as at March 31, 2019).</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>NETWORK </U></B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of March 31, 2020, the Bank&#8217;s distribution network was at 5,416 banking outlets
and 14,901 ATMs / Cash Deposit &amp; Withdrawal Machines (CDMs) across 2,803 cities / towns as against 5,103 banking outlets and 13,489 ATMs / CDMs across 2,748 cities / towns as of March 31, 2019. Of the total banking outlets, 52% are in semi-urban
and rural areas. In addition, we have 5,379 banking outlets managed by the Common Service Centres. Number of employees were at 116,971 as of March 31, 2020 (as against 98,061 as of March 31, 2019).</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>ASSET QUALITY</U></B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross non-performing assets were at 1.26% of gross advances as on March 31, 2020, (1.1%
excluding NPAs in the agricultural segment) as against 1.42% as on December 31, 2019 (1.2% excluding NPAs in the agricultural segment) and 1.36% as on March 31, 2019 (1.2% excluding NPAs in the agricultural segment). Net non-performing assets were
at 0.36% of net advances as on March 31, 2020.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In accordance with the RBI guidelines relating to COVID-19 Regulatory Package dated March
27, 2020 and April 17, 2020, the Bank would be granting a moratorium of three months on the payment of all installments and / or interest, as applicable, falling due between March 1, 2020 and May 31, 2020 to all eligible borrowers classified as
Standard, even if overdue, as on February 29, 2020. For all such accounts where the moratorium is granted, the asset classification shall remain standstill during the moratorium period (i.e. the number of days past-due shall exclude the moratorium
period for the purposes of asset classification under the IRACP norms). The Bank holds provisions as on March 31, 2020 against the potential impact of COVID-19 based on the information available at this point in time and the same are in excess of
the RBI prescribed norms. As a result, GNPA and NNPA ratios were lower by 10 bps and 6 bps respectively.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Bank held floating provisions of &#8377; 1,451 crore and contingent provisions of &#8377; 2,996 crore as on March 31, 2020. Total provisions (comprising specific, floating, contingent and general provisions) were 142% of the gross non-performing
loans as on March 31, 2020.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>CONSOLIDATED FINANCIAL RESULTS</U></B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank&#8217;s subsidiary companies prepare their financial results in accordance with
the notified Indian Accounting Standards ('Ind-AS'). The Bank for the purposes of its statutory compliance prepares and presents its financial results under Indian GAAP. Hence the Bank&#8217;s subsidiary companies, for the purposes of the
consolidated financial results of the Bank, prepare 'fit-for-consolidation information' based on the recognition and measurement principles as per Indian GAAP.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>HDFC Securities Limited (HSL)</B> is amongst the leading retail broking firms in India.
As on March 31, 2020, the Bank held 96.6% stake in HSL.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>HDB Financial Services Limited (HDBFSL)</B> is a non-deposit taking non-banking finance
company (&#8216;NBFC&#8217;) offering wide range of loans and asset finance products to individuals, emerging businesses and micro enterprises. As on March 31, 2020, the Bank held 95.3% stake in HDBFSL.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The consolidated net profit for the quarter ended March 31, 2020 was &#8377; 7,280 crore,
up 15.5%, over the quarter ended March 31, 2019. Consolidated advances grew by 20.1% from &#8377; 869,223 crore as on March 31, 2019 to &#8377; 1,043,671 crore as on March 31, 2020.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The consolidated net profit for the year ended March 31, 2020 was &#8377; 27,254 crore, up
22.0%, over the year ended March 31, 2019.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Note:</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8377; = Indian Rupees</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1 crore = 10 million</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">All figures and ratios are in accordance with Indian GAAP unless otherwise
specified.</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BSE: 500180</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NSE: HDFCBANK</FONT>&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NYSE: HDB</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Certain statements are included in this release which contain words or
phrases such as &#8220;will,&#8221; &#8220;aim,&#8221; &#8220;will likely result,&#8221; &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;will continue,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8220;intend,&#8221;
&#8220;plan,&#8221; &#8220;contemplate,&#8221; &#8220;seek to,&#8221; &#8220;future,&#8221; &#8220;objective,&#8221; &#8220;goal,&#8221; &#8220;project,&#8221; &#8220;should,&#8221; &#8220;will pursue&#8221; and similar expressions or variations of
these expressions, that are &#8220;forward-looking statements.&#8221; Actual results may differ materially from those suggested by the forward-looking statements due to certain risks or uncertainties associated with our expectations with respect to,
but not limited to, our ability to implement our strategy successfully, the market acceptance of and demand for various banking services, future levels of our non-performing loans, our growth and expansion, the adequacy of our allowance for credit
and investment losses, technological changes, volatility in investment income, our ability to market new products, cash flow projections, the outcome of any legal, tax or regulatory proceedings in India and in other jurisdictions we are or become a
party to, the future impact of new accounting standards, our ability to pay dividends, the impact of changes in banking regulations and other regulatory changes on us in India and other jurisdictions, our ability to roll over our short-term funding
sources and our exposure to market and operational risks. By their nature, certain of the market risk disclosures are only estimates and could be materially different from what may actually occur in the future. As a result, actual future gains,
losses or impact on net income could materially differ from those that have been estimated. In addition, other factors that could cause actual results to differ materially from those estimated by the forward-looking statements contained in this
document include, but are not limited to: general economic and political conditions, instability or uncertainty in India and the other countries which have an impact on our business activities or investments caused by any factor, including terrorist
attacks in India, the United States or elsewhere, anti-terrorist or other attacks by the United States, a United States-led coalition or any other country, tensions between India and Pakistan related to the Kashmir region or between India and China,
military armament or social unrest in any part of India; the monetary and interest rate policies of the government of India, natural calamities, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices
or other rates or prices; the performance of the financial markets in India and globally, changes in Indian and foreign laws and regulations, including tax, accounting and banking regulations, changes in competition and the pricing environment in
India, and regional or general changes in asset valuations.</I></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
 <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Gray 3pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P></DIV>
<DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
<CENTER><DIV ALIGN="LEFT" STYLE="width: 8.5in"> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left">
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; width: 35%">
<IMG SRC="g915503img001_v1.jpg" ALT="(IMAGE)"></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NEWS RELEASE</B></FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; width: 33%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank
House,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senapati Bapat Marg,</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lower
Parel,</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mumbai - 400 013.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CIN:
L65920MH1994PLC080618</FONT></P> </td></tr> </TABLE></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0.05in 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For more information please log on to:
<FONT STYLE="color: Blue"><U>www.hdfcbank.com</U></FONT></FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For media queries please contact:</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Neeraj Jha</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Head, Corporate Communication</FONT>&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd., Mumbai.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tel: 91 - 22 - 6652 1308 (D) / 6652 1000 (B)</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fax: 91 - 22 - 2490 3168</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mobile: +91 93236 20828</FONT>&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Blue"><U>neeraj.jha@hdfcbank.com</U></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>For investor queries please contact:</B></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ajit Shetty</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">HDFC Bank Ltd., Mumbai.</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tel: 91 - 22 - 6652 1054 (D) / 6652 1000 (B)</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mobile: +91 9819628910</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: Blue"><U>ajit.shetty@hdfcbank.com</U></FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT
STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P> <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P> </DIV></CENTER>
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