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Financial Reports

REVIEWED FINANCIAL RESULTS FOR THE QUARTER ENDED 30TH JUNE, 2011

Sl. No. Particulars

Quarter ended

(Reviewed)

Year ended

(Audited)

30.06.2011 30.06.2010 31.03.201101 Interest earned [(a)+(b)+(c)+(d)] 178496 134953 584406

(a) Interest/discount on advances/bills 133078 98165 419190

(b) Income from investments 44633 35659 161101

(c) Interest on balances with Reserve Bank of India and other inter bank funds 18 1 126

(d) Others 767 1128 3989

02 Other Income 16844 17073 53318

03 TOTAL INCOME (1+2) 195340 152026 637724

04 Interest Expended 136194 90463 389729

05 Operating Expenses (i) + (ii) 26595 30137 143328

(i) Employee costs 16948 20608 101044

(ii) Other operating expenses 9647 9529 42284

06 TOTAL EXPENDITURE (4+5) (Excluding provisions and contingencies) 162789 120600 533057

07 OPERATING PROFIT (3 6)

(Profit before provisions and contingencies)

32551 31426 104667

08 Provisions (other than tax) and Contingencies 23129 6078 36285

09 Exceptional items - - -

10 Profit/(Loss) from Ordinary Activities before tax (7-8-9) 9422 25348 68382

11 Tax Expenses[(i)+(ii)] 2200 8000 16000

(i) Current Tax 2200 197 7505

(ii) Deferred Tax 0 7803 8495

12 Net Profit/(Loss) from Ordinary Activities after tax (10-11) 7222 17348 52382

13 Extraordinary Items (Net of Tax Expense) - - -

14 Net Profit/(Loss) for the period (12-13) 7222 17348 52382

15 Paid up equity share capital

(Face value of each share-` 10/-)

47267 43352 47267

16 Reserves excluding Revaluation Reserves (As per Balance Sheet of previous accounting year) 285050 222995 285050

17 Analytical Ratios

(i) Percentage of shares held by Government of India 57.69 53.87 57.69 (ii) Capital Adequacy Ratio (%)

Basel I 12.27 13.85 12.59

Basel II 13.04 14.74 13.88

(iii) Earnings per share (EPS) (Not annualized)

(a) Basic and Diluted EPS before Extraordinary Items (Net of Tax Expenses

for the period, for the year to date and for the previous year)

1.53 4.00 9.89

(b) Basic and Diluted EPS after Extraordinary Items for the period, for the

year to date and for the previous year

1.53 4.00 9.89

(iv) NPA Ratios

a) Amount of Gross Non Performing Assets 144912 97279 125919

b) Amount of Net Non Performing Assets 83269 56087 74116

c) Percentage of Gross Non Performing Assets 2.83 2.32 2.56

d) Percentage of Net Non Performing Assets 1.65 1.35 1.52

(v) Return on Assets (Annualised) (%) 0.34 0.96 0.7218 Public share holding

- Number of shares 200000000 200000000 200000000

- Percentage of share holding 42.31 46.13 42.31

19 Promoters and Promoter Group Shareholding

a) Pledged / Encumbered

Number of Shares Nil Nil Nil

Percentage of shares (as a percentage of total shareholding of promoter and promoter group) Nil Nil Nil

Percentage of shares (as a percentage of total share capital of the company) Nil Nil Nil

b) Non-encumbered

Number of Shares (in million) 272.66 233.52 272.66

Percentage of shares (as a percentage of total shareholding of promoter and promoter group) 100.00 100.00 100.00

Percentage of shares (as a percentage of total share capital of the company) 57.69 53.87 57.69

(Rs. in Crore)SEGMENT-WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER ENDED 30.06.2011

Sl.

No.

Particulars Quarter Ended 30.06.2011

(Reviewed)

Quarter Ended 30.06.2010

(Reviewed)

Year Ended 31.03.2011

(Audited)

a) Segment Revenue #

i) Treasury Operations 520.82 431.47 1799.60

ii) Whole Sale Banking 863.60 563.83 2435.02

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iii) Retail Banking 467.18 417.82 1756.87

iv) Other Banking

Operations

101.80 107.14 385.75

Total 1953.40 1520.26 6377.24

b) Segment Result

i) Treasury Operations 89.40 91.65 308.39

ii) Whole Sale Banking 148.24 119.77 417.28

iii) Retail Banking 80.18 88.76 301.06

iv) Other Banking

Operations

17.47 22.75 66.10

Total 335.28 322.93 1092.83c) Unallocated Expenses 9.77 8.67 46.16

d) Operating Profit 325.51 314.26 1046.67

e) Provisions &

Contingencies

231.29 60.78 362.85

f) Income Tax 22.00 80.00 160.00

g) Extraordinary Profit - - -

h) Net Profit 72.22 173.48 523.82

i) Other Information - - -

j) Segment Assets

i) Treasury Operations 28748.23 24490.83 27737.03

ii) Whole Sale Banking 36227.85 27616.18 34088.43

iii) Retail Banking 18610.79 17608.48 18151.22

iv) Other Banking

Operations

472.65 367.40 529.84

v) Unallocated Assets 1237.01 939.58 1180.40

Total Assets 85296.53 71022.47 81686.92

k) Segment Liabilities

i) Treasury Operations 27500.58 23301.08 26484.10

ii) Whole Sale Banking 34655.58 26274.60 32548.60

iii) Retail Banking 17803.10 16753.07 17331.30

iv) Other Banking

Operations

452.14 349.54 505.91

v) Unallocated Liabilities 4885.14 4344.18 4817.01

Total Liabilities 85296.53 71022.47 81686.92

# The Bank operates only in domestic segment.

NOTES:

1. The above financial results have been approved by the Board of Directors of the Bank at its meeting held on 28th July 2011.

2. There has been no change in the Accounting Policies and Practices in preparation of these financial statements as compared to those

followed in the preceding financial year ended 31st March 2011.

3. The above financial results have been subjected to 'Limi ted Review' by the Statutory Central Auditors of the Bank in terms of RBI guidelines

and SEBI Listing Agreement.

4. Working results for quarter ended on 30.06.2011 have been arrived at after making necessary provisions for Income Tax, provision for

depreciation, provision for employee benefits, provisions for NPAs, Standard Assets and Depreciation on Investment on the basis of prudential

norms issued by the Reserve Bank of India.

5. RBI vide circular no. DBOD.BP.BC.94/21.048/2011-12 dated 18.05.2011 has enhanced the minimum provisioning rates for non-

performing advances and restructured standard advances. Accordingly an additional provision of Rs.108.37 crore has been made on NPA

advances.

6. In accordance with RBI circular DBOD.BP.BC.80/21.04.018/2010-11 dated February 9, 2011, the Bank has to amortize an amount of `.119 crore towards reopening of the pension scheme and enhancement of the gratuity limit, during the year ending on 31.03.2012. Accordingly the

Bank has charged a sum of Rs.29.77 crore to the Profit & Loss account for the quarter.

7. The figures of the previous period have been regrouped / rearranged, wherever necessary.

8. Provision Coverage Ratio (PCR) is 63.40 % as on 30th June, 2011.

9. The number of investors complaints pending in the beginning of the quarter is Nil. Number of complaints received and resolved during the

quarter is 351

Place : Bangalore

Date : 28th July, 2011

SHUBHALAKSHMI PANSE

Executive Director

H. S. UPENDRA KAMATH Chairman &

Managing Director