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(Head Office : Bangalore - 2)

CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2010
(Rs '000)
31.03.2010 31.03.2009
I) OPERATING ACTIVITIES
Interest & Commission Received 204,927,136 178,281,676
Interest & Commission Paid (124,638,122) (120,160,372)
Other Revenues 2,599,314 9,590,690
General & Administrative Expenses (33,184,107) (28,856,346)

NET CASH FLOW FROM OPERATING ASSETS PRIOR T 49,704,221 38,855,648


EFFECT OF CHANGES IN ASSETS AND LIABILITIES

II) NET (INCREASE) / DECREASE IN OPERATING ASSETS


Funds Advanced to customers (324,713,942) (318,821,921)
Investments (106,743,040) (76,980,534)
Other Operating Assets 10,562,443 (13,656,350)
(420,894,539) (409,458,805)
III) NET INCREASE / (DECREASE) IN OPERATING LIABILITIES
Deposits from Customers 477,589,359 328,200,851
Borrowings from Banks & Financial Institutions (55,603,925) 45,393,799
Other Operating Liabilities 6,524,316 (7,667,562)
428,509,750 365,927,088
CASH FLOW FROM OPERATING ACTIVITIES BEFORE 7,615,211 (43,531,717)
Taxes Paid 10,549,103 5,224,189
CASH FLOW FROM OPERATING ACTIVITIES (2,933,892) (48,755,906)

IV) INVESTING ACTIVITIES


(Purchase) of fixed assets (1,177,457) (2,221,018)
Investment in Subsidiaries and Joint Ventures (587,486) -
Dividend Received from Subsidiaries and Joint Ventures 96,341 -
CASH FLOW FROM INVESTING ACTIVITIES (1,668,602) (2,221,018)

V) FINANCING ACTIVITIES
Return of Capital to Government - -
Share Premium Received - -
Dividend Paid (3,833,655) (3,840,000)
Subordinated Debts (6,655,377) 8,290,807
Interest paid on Tier II Bonds (4,678,416) (4,512,100)
Effect of Foreign Exchange Rate changes - -
CASH FROM FINANCING ACTIVITIES (15,167,448) (61,293)

INCREASE IN CASH & CASH EQUIVALENTS 29,934,280 (12,182,569)

CASH & CASH EQUIVALENTS AT THE BEGINNING OF 166,597,820 178,780,389

CASH & CASH EQUIVALENTS AT THE END OF THE YE 196,532,100 166,597,820

N SELVARAJAN K MANICKAM D S ANANDAMURTHY


ASSISTANT GENERAL MANGER DEPUTY GENERAL MANAGER GENERAL MANAGER

H S UPENDRA KAMATH JAGDISH PAI K L A C MAHAJAN


EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR CHAIRMAN & MANAGING DIRECTOR

Dr. K P KRISHNAN VANI J SHARMA DEVENDER DASS RUSTAGI


DIRECTOR DIRECTOR DIRECTOR

SUNIL GUPTA Dr. YOGENDRA PATI TRIPATHI S SHABBEER PASHA


DIRECTOR DIRECTOR DIRECTOR

PANKAJ GOPALJI THAKKER P V MAIYA


DIRECTOR DIRECTOR
BANGALORE
APRIL 28, 2010