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AUDITED FINANCIAL RESULTS
FOR THE QUARTER/ YEAR ENDED 31
st
MARCH 2011
(Rs in lacs)
Quarter ended Year Ended
31.03.11
Audited
31.03.10
Audited
31.03.11
Audited
31.03.10
Audited
1 Interest earned (a+b+c+d) 140749 106324 503353 401036
(a) Interest / discount on advances / bills 108508 76789 382043 300933
(b) Income on investment 31366 27219 119273 95987
(c) Interest on balances with Reserve Bank of India
and other Inter Bank funds
467 598 1627 2022
(d) Others 408 1718 410 2094
2 Other income 18077 17486 53384 58863
3 Total income (1+2) 158826 123810 556737 459899
4 Interest expended 93630 73713 327016 291033
5 Operating expenses (i)+(ii) 30884 22084 107342 84808
(i)Employees Cost 20030 12845 68820 51159
(ii) Other operating expenses (All items exceeding 10%
of the total expenditure excluding interest expenditure may
be shown separately)
10854 9239 38522 33649
6 Total expenditure (4+5)
(Excluding provisions and contingencies)
124514 95797 434358 375841
7 Operating Profit (3 - 6)
( Profit before provisions and contingencies)
34312 28013 122379 84058
8 Provisions (other than tax) & Contingencies 12382 8244 32520 15379
9 Exceptional Items 0 0
10 Profit(+)/Loss(-) from Ordinary Activities before tax (7-8-9) 21930 19769 89859 68679
11 Tax Expense 6230 6062 28696 17554
12 Net Profit(+)/Loss(-) from Ordinary activities after tax
(10 -11)
15700 13707 61163 51125
13 Extraordinary Items (net of tax expense) 0 0 0 0
14 Net Profit(+)/Loss(-) for the period (12-13) 15700 13707 61163 51125
15 Paid up equity share capital
(Face value of Rs.10/ - per share)
33339 28682 33339 28682
16 Reserve excluding Revaluation Reserve (as per Balance
Sheet of previous accounting year)
312579 210623 312579 210623
17 Analytical Ratios

i Percentage of shares held by Govt. of India

58.01 51.19 58.01 51.19
ii Capital Adequacy Ratio % -[Basel -I]
[Basel -II]
11.04
13.41
10.65
12.77
11.04
13.41
10.65
12.77
Iii

Earning per share (EPS) -Not Annualised

a. Basic & diluted EPS before extraordinary
items(net of tax expense) for the period - Rs.
5.46 4.78 21.26 17.83
b. Basic & diluted EPS after extraordinary items(net of tax
expense) for the period - Rs.
5.46 4.78 21.26 17.83
Iv (a) Amount of gross Non Performing Assets 84224 64199 84224 64199
(b) Amount of Net Non Performing Assets 54895 42753 54895 42753
(c) % of gross NPAs to gross advances 1.86 1.80 1.86 1.80
(d) % of Net NPAs to Net advances 1.22 1.21 1.22 1.21
v Return on Assets (Annualised) % 0.94 1.02% 1.00 1.01%
18 Non Promoters Share Holding
i Number of shares [in lacs] 1400 1400 1400 1400
ii % of share holding 41.99 48.81 41.99 48.81
19 Promoters and promoter group Shareholding


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a) Pledged / Encountered
Number of shares
Percentage of shares (as a % oftotal shareholding of
promoter and promoter group)
Percentage of shares (as a % of total share capital of the
company)

NIL

NIL

NIL

NIL
Non-encumbered
- Number of Shares [in crores]
- Percentage of shares (as a % of total shareholding of
promoter and promoter group)

- Percentage of shares (as a % of total share capital of the
company)
-

19.34
100%


58.01

14.68
100%


51.19%

19.34
100%


58.01


14.68
100%


51.19%






(Rs. in lacs)

SUMMAkISLD 8ALANCL SnLL1

CAPITAL AND LIABILITIES
As at 31.03.2011 As at 31.03.2010
Capital 33339 28682
Employee stock option outstanding 0 0
Reserve and surplus 332253 231487
Deposits 6420962 5134428
Borrowings 169166 156191
Other Liabilities and Provisions 128122 207870

Total 7083842 5758658

ASSETS
Cash and balance with Reserve Bank of India 472141 435503
Balance with the banks and money at call and short notice 68740 75949
Investments 1876891 1569423
Advances 4482805 3546244
Fixed Assets 40374 40728
Other Assets 142891 90811

Total 7083842 5758658









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SEGMENT WISE RESULTS

(Rs in lacs)
Business Segments For the
Quarter
Ended
31/03/11
For Quarter
Ended
31/03/2010
For year
Ended
31/03/11
For Year
Ended
31/03/10
Audited Audited
Segment Revenue
(a) Treasury 35224 32683 131365 121701
(b) Corporate / Wholesale Banking 76813 61340 276516 226141
( c) Retail banking 42307 25952 133743 99934
(d) Other Banking Operations 4482 3835 15113 12123
Income from Operations 158826 123810 556737 459899

Segment Results
(a) Treasury (840) (979) (1385) 555
(b) Corporate / Wholesale Banking 18055 21845 79853 68394
(c) Retail banking 14260 6789 46614 27298
(d) Other Banking Operations 3676 3419 12786 10563
Total 35151 31074 137868 106810
Less: Unallocated Expenses 13221 11305 48009 38131
Total Profit before Tax 21930 19769 89859 68679
Tax Expense 6230 6062 28696 17554
Net Profit 15700 13707 61163 51125

Segment Assets
(a) Treasury 2336957 1956635 2336957 1956635
(b) Corporate / Wholesale Banking 3479018 2755342 3479018 2755342
( c) Retail banking 1132539 955513 1132539 955513
(d) Other Banking Operations 52623 14129 52623 14129
(e) Unallocated Assets 82705 77039 82705 77039
Total Assets 7083842 5758658 7083842 5758658

Segment Liabilities
(a) Treasury 2336957 1956635 2336957 1956635
(b) Corporate / Wholesale Banking 3202808 2510546 3202808 2510546
( c) Retail banking 1095728 921034 1095728 921034
(d) Other Banking Operations 71511 86770 71511 86770
(e) Unallocated Liabilities 376838 283673 376838 283673
Total Liabilities 7083842 5758658 7083842 5758658

The Bank does not have any secondary (geographical) segment.










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NOTES:

1. llnanclal resulLs have been arrlved aL followlng generally Lhe same AccounLlng Þollcles as
Lhose followed ln preparaLlon of flnanclal sLaLemenLs for Lhe year ended 31sL March 2010.
2. 1he worklng resulLs for Lhe quarLer/year ended 31sL March 2011, have been arrlved aL afLer
conslderlng provlslon for nÞAs & SLandard AsseLs, dlmlnuLlon ln Lhe value of lnvesLmenLs,
lncome Lax & deferred Lax, depreclaLlon on flxed asseLs and oLher conLlngencles.
3. ln accordance wlLh Lhe provlslon of 88l clrcular no. u8Cu.8Þ.8C.80/21.04.018/2010-11daLed
09.02.2011, an amounL of 8s 13.99 crore has been charged Lo ÞroflL & Loss AccounL for Lhe
year Lowards Lhe addlLlonal CraLulLy fund requlremenL of 8s 79.96 crore arlslng on accounL of
amendmenL made Lo ÞaymenL of CraLulLy AcL, 1972, whlch ls belng amorLlsed over a perlod of
flve years from l? 2010-11. 8emalnlng unrecognlzed graLulLy fund llablllLy carrled forward ls 8s
63.97 crore.
4. ln accordance wlLh 88l clrcular no. u8Cu.8Þ.8C.80/21.04.018/2010-11 daLed 09.02.2011, one
flfLh of Lhe addlLlonal penslon fund llablllLy of 8s 70.78 crore Lowards servlng employees, who
exerclsed second opLlon and 100° of such llablllLy of 8s 117.64 crore Lowards reLlred /
separaLed employees aggregaLlng Lo 8s 188.42 crore has been reckoned for l? 2010-11. 1oLal
amounL charged Lo ÞroflL & Loss AccounL Lowards penslon fund ls 8s 197.84 cr for Lhe l? 2010-
11. unrecognlzed Þenslon lund llablllLy carrled forward ls 8s 283.14 crore.
3. 8ank has lssued 4,63,63,874 equlLy shares of 8s 10/- each aL a premlum of 8s 103.73 Lo CCl on
preferenLlal basls on 23.03.2011.
6. 1he 8oard of ulrecLors has proposed a dlvldend [ 22° for Lhe year.
7. 8econclllaLlon of enLrles ouLsLandlng as on 31sL March 2011 ln lnLer 8ank/ lnLer 8ranch and
oLher accounLs are ln progress and ln Lhe oplnlon of Lhe managemenL, consequenLlal lmpacL
Lhereof on revenue/asseLs/llablllLles ls noL maLerlal.
8. Þrovlslon coverage raLlo ls 74.62° as on 31sL March 2011.
9. 1he poslLlon of lnvesLors complalnLs for Lhe quarLer-ended 31sL March 2011:
8eglnnlng 8ecelved 8esolved Þendlng
nlL 3 3 nlL
10. 1he above resulLs have been Laken on record by Lhe 8oard of ulrecLors on 29Lh Aprll, 2011.
11. Correspondlng flgures have been regrouped/ reclasslfled, wherever necessary, Lo make Lhem
comparable wlLh currenL resulLs.

[A k uuLL] [u. L. 8awal]
LxecuLlve ulrecLor Chalrman & Managlng ulrecLor


ÞLACL : MuM8Al
uA1L : 29Lh Aprll, 2011

34 100% 58. in lacs) CAPITAL AND LIABILITIES Capital Employee stock option outstanding Reserve and surplus Deposits Borrowings Other Liabilities and Provisions Total ASSETS Cash and balance with Reserve Bank of India Balance with the banks and money at call and short notice Investments Advances Fixed Assets Other Assets Total As at 31.a) Pledged / Encountered Number of shares Percentage of shares (as a % oftotal shareholding of promoter and promoter group) Percentage of shares (as a % of total share capital of the company) Non-encumbered .68 100% 51.Percentage of shares (as a % of total shareholding of promoter and promoter group) .Percentage of shares (as a % of total share capital of the company) - NIL NIL NIL NIL 19.Number of Shares [in crores] .34 100% 58.68 100% 51.19% 19.19% (Rs.01 14.2011 33339 0 332253 6420962 169166 128122 7083842 As at 31.03.2010 28682 0 231487 5134428 156191 207870 5758658 472141 68740 1876891 4482805 40374 142891 7083842 435503 75949 1569423 3546244 40728 90811 5758658 ________________________________________________________________________________________________________ Page 2 of 4 .03.01 14.

SEGMENT WISE RESULTS Business Segments For the For Quarter Quarter Ended Ended 31/03/2010 31/03/11 Audited 35224 76813 42307 4482 158826 (840) 18055 14260 3676 35151 13221 21930 6230 15700 32683 61340 25952 3835 123810 (979) 21845 6789 3419 31074 11305 19769 6062 13707 For year Ended 31/03/11 (Rs in lacs) For Year Ended 31/03/10 Audited 131365 276516 133743 15113 556737 (1385) 79853 46614 12786 137868 48009 89859 28696 61163 121701 226141 99934 12123 459899 555 68394 27298 10563 106810 38131 68679 17554 51125 Segment Revenue (a) Treasury (b) Corporate / Wholesale Banking ( c) Retail banking (d) Other Banking Operations Income from Operations Segment Results (a) Treasury (b) Corporate / Wholesale Banking (c) Retail banking (d) Other Banking Operations Total Less: Unallocated Expenses Total Profit before Tax Tax Expense Net Profit Segment Assets (a) Treasury (b) Corporate / Wholesale Banking ( c) Retail banking (d) Other Banking Operations (e) Unallocated Assets Total Assets Segment Liabilities (a) Treasury (b) Corporate / Wholesale Banking ( c) Retail banking (d) Other Banking Operations (e) Unallocated Liabilities Total Liabilities 2336957 3479018 1132539 52623 82705 7083842 2336957 3202808 1095728 71511 376838 7083842 1956635 2755342 955513 14129 77039 5758658 1956635 2510546 921034 86770 283673 5758658 2336957 3479018 1132539 52623 82705 7083842 2336957 3202808 1095728 71511 376838 7083842 1956635 2755342 955513 14129 77039 5758658 1956635 2510546 921034 86770 283673 5758658 The Bank does not have any secondary (geographical) segment. ________________________________________________________________________________________________________ Page 3 of 4 .

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