2010 2009 2008

Share Capital 173221800.00 139002000.00 113830800.00

Reserve and other funds 370890777.13 352958952.90 306168615.87
Total provisions 62305969.00 60900208.00 59229144.00
Outside liability 5209772246.40 4215195087.53 3482140913.99
Interest Earned 76124103.36 48633383.26 50414827.76
Interest Paid 25553858.87 19067922.40 11305427.95

Standard Assets 3186939906.05 2544655685.46 2070343602.72

Sub Standard Assets 0.00 0.00 213163.00
Doubtful Assets 2545965.00 3166875.00 4632827.00
Loss Assets 11262741.00 48784531.00 56055511.00
Total Advances 3200748612.05 2596607091.46 2131245103.72
Total Assets 5999016373.43 4959410565.34 4125574485.75
Gross NPA 13808706.00 51951406.00 60901501.00
 2007 2006
99230600.00 76802600.00
270110936.60 278966729.39
57477145.00 56277484.00
2864599481.05 2561755052.78
34779183.58 24645164.02
8431909.17 11074557.39

1807557279.81 1241053430.83
415982.00 1363321.00
23734352.00 58268748.00
50186742.00 59117902.00
1881894355.81 1359803401.83
3438945195.53 3100428475.70
74337076.00 118749971.00
 2010 2009 2008
Share Capital 173221800.00 139002000.00 113830800.00
Reserve and other funds 370890777.13 352958952.90 306168615.87
Total provisions 62305969.00 60900208.00 59229144.00
Outside liability 5209772246.40 4215195087.53 3482140913.99
Interest Earned 76124103.36 48633383.26 50414827.76
Interest Paid 25553858.87 19067922.40 11305427.95

Standard Assets 3186939906.05 2544655685.46 2070343602.72

Sub Standard Assets 0.00 0.00 213163.00
Doubtful Assets 2545965.00 3166875.00 4632827.00
Loss Assets 11262741.00 48784531.00 56055511.00
Total Advances 3200748612.05 2596607091.46 2131245103.72
Total Assets 5999016373.43 4959410565.34 4125574485.75
Gross NPA 13808706.00 51951406.00 60901501.00
 2007 2006
99230600.00 76802600.00
270110936.60 278966729.39
57477145.00 56277484.00
2864599481.05 2561755052.78
34779183.58 24645164.02
8431909.17 11074557.39

1807557279.81 1241053430.83
415982.00 1363321.00
23734352.00 58268748.00
50186742.00 59117902.00
1881894355.81 1359803401.83
3438945195.53 3100428475.70
74337076.00 118749971.00
 Commansized Statement of NPA
Year 2006 2007 2008
amt.(cr.) in (%) amt.(cr.) in (%) amt.(cr.) in (%)
Total Advances 135.98 100 188.19 100 213.12 100
Standard Assets 124.11 91.27 180.76 96.05 207.03 97.14
Sub Standard A. 0.1363 0.1003 0.0416 0.0221 0.0213 0.0100
Doubtful Assets 5.8269 4.29 2.3734 1.26 0.4633 0.22
Loss Assets 5.9118 4.35 5.0187 2.67 5.6056 2.63
Gross NPA 11.875 8.73 7.4337 3.95 6.0902 2.86
of NPA
2009 2010
amt.(cr.) in (%) amt.(cr.) in (%)
259.66 100 320.07 100
254.47 98.00 318.69 99.57
0.00 0 0.00 0
0.3167 0.12 0.2546 0.08
4.8785 1.88 1.1263 0.35
5.1951 2.00 1.3809 0.43
 NPA's Trend Analysis
Years Gross NPA Trend of NPA(%)
2006 118749971.00 100
2007 74337076.00 62.60
2008 60901501.00 51.29
2009 51951406.00 43.75
2010 13808706.00 11.63

100.00
100
90
80
70 62.60
60
50 51.29
40 43.75
30
20
10
0 11.63
2006
2007
2008
2009
2010

Trend of NPA(%)
11.63

2010
Year Gross NPA(A) Total Advances(B)
2010 13808706.00 3200748612.05
2009 51951406.00 2596607091.46
2008 60901501.00 2131245103.72
2007 74337076.00 1881894355.81
2006 118749971.00 1359803401.83

Gross NPA Ratio

10.00
9.00
8.00
7.00
6.00 G. NP
5.00
4.00
3.00
2.00
1.00
0.00
2006 2007 2008 2009 2010
 G. NPA
0.43
2.00
2.86
3.95
8.73

NPA Ratio

G. NPA

2009 2010
Year Gross NPA Total Assets Problem assets
2010 13808706.00 5999016373.43 0.23
2009 51951406.00 4959410565.34 1.05
2008 60901501.00 4125574485.75 1.48
2007 74337076.00 3438945195.53 2.16
2006 118749971.00 3100428475.70 3.83

Problem assets Ratio

4.00
3.50
3.00
2.50 Problem assets
2.00
1.50
1.00
0.50
0.00
2006 2007 2008 2009 2010
o

Problem assets
Year T. Standard Assets Outside liability Depository safety
2010 3186939906.05 5209772246.40 61.17
2009 2544655685.46 4215195087.53 60.37
2008 2070343602.72 3482140913.99 59.46
2007 1807557279.81 2864599481.05 63.10
2006 1241053430.83 2561755052.78 48.45

Depository safety Ratio

2010

2009
Depository safety
2008

2007

2006

0.00 10.00 20.00 30.00 40.00 50.00 60.00 70.00

Depository safety
Year T. Sub Standard A. Gross NPA
2010 0.00 13808706.00
2009 0.00 51951406.00
2008 213163.00 60901501.00
2007 415982.00 74337076.00
2006 1363321.00 118749971.00
Sub Standard Asset Ratio
0.00
0.00
0.35
0.56
1.15
Year T. Doubtful A. Gross NPA Doubtful Asset
2010 2545965.00 13808706.00 18.44
2009 3166875.00 51951406.00 6.10
2008 4632827.00 60901501.00 7.61
2007 23734352.00 74337076.00 31.93
2006 58268748.00 118749971.00 49.07

Doubtful Asset Ratio

60.00

50.00

40.00

30.00

20.00

10.00

0.00
2006 2007 2008 2009 2010

Doubtful Asset
2010
Year T. Loss A. Gross NPA Loss Asset
2010 11262741.00 13808706.00 81.56
2009 48784531.00 51951406.00 93.90
2008 56055511.00 60901501.00 92.04
2007 50186742.00 74337076.00 67.51
2006 59117902.00 118749971.00 49.78

Loss Asset
100.00
90.00
80.00
70.00
60.00 Loss Asset
50.00
40.00
30.00
20.00
10.00
0.00
2006 2007 2008 2009 2010
Loss Asset
Year Gross NPA T. Capital & Reserve funds
2010 13808706.00 544112577.13
2009 51951406.00 491960952.90
2008 60901501.00 419999415.87
2007 74337076.00 369341536.60
2006 118749971.00 355769329.39

Shareholder's risk Ratio

35.00

30.00

25.00
Shareholder's risk
20.00

15.00

10.00

5.00

0.00
2006 2007 2008 2009 2010
 Shareholder's risk
2.54
10.56
14.50
20.13
33.38

s risk Ratio

Shareholder's risk

9 2010
Year Total Provision Gross NPA Provision
2010 62305969.00 13808706.00 451.21
2009 60900208.00 51951406.00 117.23
2008 59229144.00 60901501.00 97.25
2007 57477145.00 74337076.00 77.32
2006 56277484.00 118749971.00 47.39

Provision Ratio
500.00
450.00
400.00
350.00
300.00 Provision
250.00
200.00
150.00
100.00
50.00
0.00
2006 2007 2008 2009 2010
 Provision

2010
Year Interest earned Interest Paid Standard Assets
2010 76124103.36 25553858.87 3186939906.05
2009 48633383.26 19067922.40 2544655685.46
2008 50414827.76 11305427.95 2070343602.72
2007 34779183.58 8431909.17 1807557279.81
2006 24645164.02 11074557.39 1241053430.83

Interest Spread Ratio

2.00
1.89
1.80
1.60 1.59
1.40 1.46
1.20 1.16 Interest Spread
1.09
1.00
0.80
0.60
0.40
0.20
0.00
2005 2006 2007 2008 2009 2010 2011
 Interest Spread
1.59
1.16
1.89
1.46
1.09

ad Ratio

1.59

Interest Spread

2010 2011
Year Capital Risk Weighted A.(S.S + D.) Capital Adequacy ratio
2010 173221800.00 173223810.00 99.9988
2009 139002000.00 139004009.00 99.9986
2008 113830800.00 113832808.00 99.9982
2007 99230600.00 99232607.00 99.9980
2006 76802600.00 76804606.00 99.9974