Vijaya Bank a medium sized bank with presence acrossIndia.Vijaya Bank was flagged off on 23rd October 1931.

Late ShriA.B.Shetty, along with other enterprising farmers in Mangalore, Karnataka, founded the bank to inculcate banking habits in the farming community of Dakshina Kannada district in Karnataka State. In 1958, it was promoted and became a scheduled bank. From 1963 to 68, the Vijaya bank grew both in terms of size and stature 9 small banks had merged with it, thus contributing to its growth and advancement. On April 15, 1980, the bank was nationalized. Vijaya Bank boasts of being one of the few banks which has undertaken the principal membership of VISA International and MasterCard International. Vijay Bank has been constantly focusing on technological upgradation. As on October 2005, all the 913 branches have been computerized, covering 97% of the banks total business. Headquarters in Bangalore

Products & Services Deposit Schemes

Savings Bank V Platinum Savings Bank Account VijayaSaral Savings Current Account VStar Savings Scheme Term Deposit

Loans & Advances

Retail Lending Schemes Loans Against Securities Non Fund Based Facilities Advances to Agriculture, SSIs and Others Government Sponsored Schemes Special Schemes for Women

NRI Services
Deposits Loans Remittances FOREX Branches FCNR(B) Branches Helpline for NRIs

Remittance Collection and Facilities

FOREX Remittances Inland Remittances Electronic Remittance Services Inward / Outward Collection Instruments

Credit Cards
Domestic Cards Global cards Debit cards

Forex

FOREX market Information Card Rates Treasury

Other Services
Merchant Banking VijayaRaksha V-ArogyaBima Policy Credit Cards Mutual Funds Leasing Hiring Purchases

Corporate Governance - Code Of Conduct

I. Need and objective of the Code Clause 49 of the Listing Agreement entered into with the Stock Exchanges, requires, as part of Corporate Governance the listed entities to lay down a Code of Conduct for Directors on the Board of an entity and

its Senior Management. Senior Management has been defined to include personnel who are members of its Core Management and functional heads excluding the Board of Directors. Accordingly the Bank has laid down this Code for its Directors on the Board and its Core Management (individual bank will decide on the composition of Core Management). II. Banks belief system This Code of Conduct attempts to set forth the guiding principles on which the Bank shall operate and conduct its daily business with its multitudinous stakeholders, government and regulatory agencies, media, and anyone else with whom it is connected. It recognises that-the Bank is a trustee and custodian of public money and in order to fulfil its fiduciary obligations and responsibilities, it has to maintain and continue to enjoy the trust and confidence of public at large. The Bank acknowledges the need to uphold the integrity of every transaction it enters into and believes that honesty and integrity in its internal conduct would be judged by its external behaviour. The Bank shall be committed in all its actions to the interest of the countries in which it operates. The Bank is conscious of the reputation it carries amongst its customers and public at large and shall

endeavour to do all it can to sustain and improve upon the same in its discharge of obligations. The Bank shall continue to initiate policies, which are customer centric and which promote financial prudence. III. Philosophy Of The Code The Code envisages and expects

adherence to the highest standards of honest and ethical conduct, including proper and ethical procedures in dealing with actual or apparent conflicts of interest between personal and professional relationships. full, fair, accurate, sensible, timely and meaningful disclosures in the periodic reports required to be filed by the Bank with government and regulatory agencies. compliance with applicable laws, rules and regulations. to address misuse or misapplication of the Banks assets and resources. the highest level of confidentiality and fair dealing within and outside the Bank.

A. General Standards of conduct The Bank expects all Directors and members of the Core Management to exercise good judgement, to ensure the interests, safety and welfare of

customers, employees, and other stakeholders and to maintain a cooperative, efficient, positive, harmonious and productive work environment and business organization. The Directors and members of the Core Management while discharging duties of their office must act honestly and with due diligence. They are expected to act with that amount of utmost care and prudence, which an ordinary person is expected to take in his/her own business. These standards need to be applied while working in the premises of the Bank, at offsite locations where the business is being conducted whether in India or abroad, at Bank-sponsored business and social events, or at any other place where they act as representatives of the Bank. B. Conflict of Interest A conflict of interest occurs when personal interest of any member of the Board of Directors and of the Core Management interferes or appears to interfere in any way with the interests of the Bank. Every member of the Board of Directors and Core Management has a responsibility to the Bank, its stakeholders and to each other. Although this duty does not prevent them from engaging in personal transactions and investments, it does demand that they avoid situations where a conflict of interest

might occur or appear to occur. They are expected to perform their duties in a way that they do not conflict with the Banks interest such as Employment / Outside Employment - The members of the Core Management are expected to devote their total attention to the business interests of the Bank. They are prohibited from engaging in any activity that interferes with their performance or responsibilities to the Bank or otherwise is in conflict with or prejudicial to the Bank. Business Interests - If any member of the Board of Directors and Core Management considers investing in securities issued by the Banks customer, supplier or competitor, they should ensure that these investments do not compromise their responsibilities to the Bank. Many factors including the size and nature of the investment; their ability to influence the Banks decisions; their access to confidential information of the Bank, or of the other entity, and the nature of the relationship between the Bank and the customer, supplier or competitor should be considered in determining whether a conflict exists. Additionally, they should disclose to the Bank any interest that they have which may conflict with the business of the Bank.

 Related Parties - As a general rule, the Directors and members of the Core Management should avoid conducting Banks business with a relative or any other person or any firm, Company, Association in which the relative or other person is associated in any significant role. Relatives shall include:

Spouse Father Mother (including step-mother) Son (including step-son) Sons wife Daughter (including step-daughter) Fathers father Fathers mother Mothers mother Mothers father Sons son Sons sons wife Sons daughter Sons Daughters husband Daughters husband Daughters son Daughters sons wife Daughters daughter Daughters daughters husband Brother (including step-brother) Brothers wife

Sister (including step-sister) Sisters husband

If such a related party transaction is unavoidable, they must fully disclose the nature of the related party transaction to the appropriate authority. Any dealings with a related party must be conducted in such a way that no preferential treatment is given to that party. In the case of any other transaction or situation giving rise to conflicts of interests, the appropriate authority should after due deliberations decide on its impact. C. Applicable Laws The Directors of the Bank and Core Management must comply with applicable laws, regulations, rules and regulatory orders. They should report any inadvertent non-compliance, if detected subsequently, to the concerned authorities. D. Disclosure Standards The Bank shall make full, fair, accurate, timely and meaningful disclosures in the periodic reports required to be filed with Government and Regulatory

agencies. The members of Core Management of the Bank shall initiate all actions deemed necessary for proper dissemination of relevant information to the Board of Directors, Auditors and other Statutory Agencies, as may be required by applicable laws, rules and regulations. E. Use of Banks Assets and Resources : Each member of the Board of Directors and the Core Management has a duty to the Bank to advance its legitimate interests while dealing with the Banks assets and resources. Members of the Board of Directors and Core Management are prohibited from:

using corporate property, information or position for personal gain; soliciting, demanding, accepting or agreeing to accept anything of value from any person while dealing with the Banks assets and resources; acting on behalf of the Bank in any transaction in which they or any of their relative(s) have a significant direct or indirect interest.

F. Confidentiality and Fair Dealings 1. Banks Confidential Information

The Bank's confidential information is a valuable asset. It includes all trade related information, trade secrets, confidential and privileged information, customer information, employee related information, strategies, administration, research in connection with the Bank and commercial, legal, scientific, technical data that are either provided to or made available to each member of the Board of Directors and the Core Management by the Bank either in paper form or electronic media to facilitate their work or that they are able to know or obtain access by virtue of their position with the Bank. All confidential information must be used for Banks business purposes only. This responsibility includes the safeguarding, securing and proper disposal of confidential information in accordance with the Bank's policy on maintaining and managing records. This obligation extends to confidential information of third parties, which the Bank has rightfully received under non-disclosure agreements. To further the Banks business, confidential information may have to be disclosed to potential business partners. Such disclosure should be made after considering its potential benefits and risks. Care should be taken to divulge the most sensitive information, only after

the said potential business partner has signed a confidentiality agreement with the Bank. Any publication or publicly made statement that might be perceived or construed as attributable to the Bank, made outside the scope of any appropriate authority in the Bank, should include a disclaimer that the publication or statement represents the views of the specific author and not the bank.

2. Other Confidential Information The Bank has many kinds of business relationships with many companies and individuals. Sometimes, they will volunteer confidential information about their products or business plans to induce the Bank to enter into a business relationship. At other times, the Bank may request that a third party provide confidential information to permit the Bank to evaluate a potential business relationship with that party. Therefore, special care must be taken by the Board of Directors and members of the Core Management to handle the confidential information of others responsibly. Such confidential information should be handled in accordance with the agreements with such third parties. The Bank requires that every Director and the

member of Core Management, General Managers should be fully compliant with the laws, statutes, rules and regulations that have the objective of preventing unlawful gains of any nature whatsoever. Directors and the members of Core Management shall not accept any offer, payment promise to pay, or authorization to pay any money, gift, or anything of value from customers, suppliers, shareholders/ stakeholders, etc. that is perceived as intended, directly or indirectly, to influence any business decision, any act or failure to act, any commission of fraud, or opportunity for the commission of any fraud. IV. Good corporate governance practices Each member of the Board of Directors and Core Management of the Bank should adhere to the following so as to ensure compliance with good Corporate Governance practices. (a) Dos Attend Board meetings regularly and participate in the deliberations and discussions effectively. Study the Board papers thoroughly and enquire about follow-up reports on definite time schedule. Involve actively in the matter of formulation of general policies Be familiar with the broad objectives of the Bank and the policies laid down by the Government and

the various laws and legislations. Ensure confidentiality of the Banks agenda papers, notes and Minutes. (b) Donts Do not interfere in the day to day functioning of the bank Do not reveal any information relating to any constituent of the Bank to anyone. Do not display the logo / distinctive design of the Bank on their personal visiting cards / letter heads. Do not sponsor any proposal relating to loans, investments, buildings or sites for Banks premises, enlistment or empanelment of contractors, architects, auditors, doctors, lawyers and other professionals etc. Do not do anything, which will interfere with and / or be subversive of maintenance of discipline, good conduct and integrity of the staff. V. Waivers

Any waiver of any provision of this Code of Conduct for a member of the Banks Board of Directors or a member of the Core Management must be approved in writing by the Board of Directors of the Bank.

The matters covered in this Code of Conduct are of the utmost importance to the Bank, its stakeholders and its business partners, and are essential to the Bank's ability to conduct its business in accordance with its value system

Resident Indians E-MailTo:customerrelationcell@vijayabank.co.in you can contact us at any of our branches too. Non Resident Indians For any clarifications regarding Non Resident Deposits : E-MailTo:nricustomercell@vijayabank.co.in ORpleasewrite to / contact Vijaya Bank, International Banking Division, Head Office, 41/2, Trinity Circle M.G.Road, Bangalore 560001. Tel : 91 80 25584066

Ext 349 or 348 Fax : 91 80 25584142 Credit Card / Debit Card Customer Care For any of your queries / information or complaints / Hot Listing of Debit / Credit Cards : Please contact Debit / Credit Card 24*7 Customer care centre at HO, Bangalore at Contact Toll Free No ( BSNL) 1800 425 9992 . OR Tel.No. 080 -4113 3500 . You may contact by e-mail debitccc@vijayabank.co.in OR debitcard@vijayabank.co.in OR ccd@vijayabank.co.in Internet Banking - VNET Banking You may reach us / contact us for information or complaints regarding Internet Banking - Vnet Banking by Toll Free Telephone Number 1800 425 4066 or by email - vnetbanking@vijayabank.co.in

If you need specific information or clarifications on any of our services, please get in touch with us at Head Office or directly with the Vijaya Bank branch located near you. We will do our best to make your banking more convenient. Please use the link available on all pages of the website : 'Find a Branch / ATM' for getting the details of Branch nearest to you. Head office located at : 41/2, Trinity Circle, M.G. Road, BANGALORE 560001 Phone no. 080 25584066 (20 lines)

Names of Executives as Public Information Officer / Asst. Public Information Officer.

Public Information Officer (PIO) & Designation, Phone No.& e-mail address Sri.Uday Kumar Deputy General Manager (Credit (R & R) Department) Ph: 080-25590606 (direct) : 080-25584066 Extn.259 e-mail:creditrnrdgm@vijayabank.co.in Asst. Public Information Officer & Designation & Phone No.

Sri. Nanda B P, Chief Manager Credit Legal Dept., Ph: 080 -25584794 (direct) : 080 25584066 Extn. 256 e-mail:cmlegal@vijayabank.co.in
Balance Sheet of Vijaya Bank ------------------- in Rs. Cr. ------------------Mar '11 Mar '10

12 mths

12 mths

Capital and Liabilities: Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Net Worth 1,672.67 472.67 0.00 1,200.00 2,850.50 293.83 4,817.00 933.52 433.52 0.00 500.00 2,229.96 311.68 3,475.16

Deposits Borrowings Total Debt Other Liabilities & Provisions Total Liabilities

73,248.32 2,025.37 75,273.69 1,599.93 81,690.62 Mar '11

61,931.75 1,938.56 63,870.31 2,876.63 70,222.10 Mar '10

12 mths

12 mths

Assets Cash & Balances with RBI Balance with Banks, Money at Call Advances Investments Gross Block Accumulated Depreciation Net Block Capital Work In Progress 4,881.84 541.73 48,718.63 25,138.58 1,061.78 575.78 486.00 0.00 4,099.58 1,449.68 41,521.72 21,107.45 1,008.88 515.72 493.16 0.00

Other Assets Total Assets

1,923.85 81,690.63

1,550.50 70,222.09

Contingent Liabilities Bills for collection Book Value (Rs)

12,700.25 2,677.49 70.31

9,654.29 2,295.90 61.44

PERFORMANCE HIGHLIGHTS

VIJAYA BANK NET PROFIT CROSSES RS.500 CRORE, HIGHLIGHTS FOR FULL FINANCIAL YEAR

TOTAL BUSINESS CROSSES RS.100000 CRORE

Operating Profit at Rs.1057 Crore, up 17.58% y-o-y Net Profit at Rs.507 Crore, registering 93.28% growth Net Interest Margin at 2.54% vs. 2.04% last year Net Interest Income up 28.83% Return on Assets improved from 0.59% to 0.76% Total Business up by 15% to Rs.1,03,867 Crore Deposits up by 13.56% to Rs. 61,932 Crore Gross Advances up by 16.89% to Rs. 41,935 Crore. Gross NPA ratio at 2.37%, Net NPA ratio at 1.40% Capital Adequacy at 12.50 % vs. 13.15% as at March 2009

HIGHLIGHTS FOR Q4

Operating Profit up by 0.28% to Rs.314.37 Crore Net Profit up by 28% to Rs.130.92 Crore. Net Interest Income growth at 21% NIM improves from 2.29% to 2.73% q-o-q Return on Assets up from 0.68% to 0.73%.

V- MOBILE BANKING
Registeration Process at ATM Terms & Conditions governing Mobile Banking facility Download software required for your mobile phone User Guidelines for IMPS VMOBILE Banking application Login procedure CLICK for FAQ on V Mobile / CLICK for FAQ on IMPS OVERVIEW V-MOBILE BANKING provides the customers a secure and convenient means of banking and commerce from anywhere anytime just on press of a button on your mobile. V-MOBILE services are available both on SMS and GPRS. V-MOBILE is a secured payment channel since the customer does not compromise with information like the debit card number or pin. A) Basic requirements for V-Mobile banking service are: Customer having Savings / Current - proprietor/ Staff Overdraft account with our bank and issued with an ATM/Debit Card. Mobile handset should be Java enabled and should have at least one of the following features: GPRS (General Packet Radio Service) enabled Bluetooth Provision to transfer data through Data Cable REGISTRATION PROCESS @ ATM

B)

CLICK for FAQ on V Mobile CLICK for FAQ on IMPS

Customer walks into the Bank's ATM to register V-Mobile Banking Service. Customer inserts/dips ATM card in the ATM.

 ATM prompts the Customer to enter ATM Card's PIN. Customer selects Mobile Banking Registration option in the ATM Menu. ATM prompts the Customer to enter his/her Mobile number. Customer should enter 10 digit Mobile number and select Confirm button. ATM prompts the Customer to re-confirm the Mobile number Customer re-enters the Mobile number and Confirms. ATM prompts the Customer to Select the Account Type options <CURRENT> or <SAVINGS> On validation, the ATMdisplays the message Your Mobile Number Registered successfully and prints the same. If customer details found invalid, then ATM displays Registration Failure. After successful registration, Customer receives SMS (Service SMS) to his/her Mobile from Bank containing Mobile Application URL link for downloading the Mobile Application Software and two passwords 1) Application password. 2) Activation code/mPin. The customer Mobile handset is to be enabled for GPRS, customer downloads the application by clicking the URL link in the SMS messagehttp://mobile.fssnet.co.in/MPAYPORTAL/MobileDownload and downloads the Mobile Banking application to his/her Mobile. OR Customer can download the Mobile Banking application related to their mobile hand set (Example: For Nokia Mobile application related to Nokia only ) from the web site of Vijaya Bank ( www.vijayabank.com ) to their PC and there after they have to transfer the application to their mobile hand set through Bluetooth or Data Cable. OR The Customer can also step into any of our branches to download the application related to their mobile and set.