COMPARATIVE BALANCE SHEET

PARTICULARS Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 631.47 634.88 634.88
Equity Share Capital 631.47 634.88 634.88
Share Application Money 0 0 0
Preference Share Capital 0 0 0
Reserves 48,401.19 57,312.82 65,314.32
Revaluation Reserves 0 0 0
Net Worth 49,032.66 57,947.70 65,949.20
Deposits ### ### ###
Borrowings 51,727.41 53,713.68 ###
Total Debt ### ### ###
Other Liabilities & Provisions 83,362.30 ### 80,336.70
Total Liabilities ### ### ###
Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Assets
Cash & Balances with RBI 51,534.62 55,546.17 61,290.87
Balance with Banks, Money at Call 15,931.72 48,857.63 34,892.98
Advances ### ### ###
Investments ### ### ###
Gross Block 8,988.35 10,403.06 11,831.63
Accumulated Depreciation 5,849.13 6,828.65 7,713.90
Net Block 3,139.22 3,574.41 4,117.73
Capital Work In Progress 234.26 263.44 295.18
Other Assets 44,417.03 37,733.27 35,112.76
Total Assets ### ### ###

Contingent Liabilities ### ### ###

COMPARATIVE BALANCE SHEET
ch 08-09 %ch 08-09 ch 09-10 %ch09-10

3.41 0.54001 0 0
3.41 0.54001 0 0
0 #DIV/0! 0 #DIV/0!
0 #DIV/0! 0 #DIV/0!
8911.63 18.41201 8001.5 13.9611
0 #DIV/0! 0 #DIV/0!
8915.04 18.18184 8001.5 13.80814
204669.2 38.0848 62043.1 8.36078
1986.27 3.839879 49297.92 91.77908
206655.5 35.07799 111341 13.99131
27335.27 32.79093 -30360.87 -27.42686
242905.8 33.66555 88981.65 9.226326
#VALUE! #VALUE! #VALUE! #VALUE!
0 #DIV/0! 0 #DIV/0!
#VALUE! #VALUE! #VALUE! #VALUE!
0 #DIV/0! 0 #DIV/0!
0 #DIV/0! 0 #DIV/0!
4011.55 7.784185 5744.7 10.34221
32925.91 206.6689 -13964.65 -28.58233
125735 30.16905 89410.95 16.48118
86452.69 45.62117 9836.11 3.564403
1414.71 15.73937 1428.57 13.73221
979.52 16.74642 885.25 12.96376
435.19 13.863 543.32 15.20027
29.18 12.45625 31.74 12.04828
-6683.76 -15.04774 -2620.51 -6.944826
242905.8 33.66554 88981.66 9.226327
0 #DIV/0! 0 #DIV/0!
-121484 -16.50403 -184686.1 -30.04964
0 #DIV/0! 0 #DIV/0!
0 #DIV/0! 0 #DIV/0!
COMMON SIZE BALANCE SHEET

PARTICULARS Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 631.47 634.88 634.88
Equity Share Capital 631.47 634.88 634.88
Share Application Money 0 0 0
Preference Share Capital 0 0 0
Reserves 48,401.19 57,312.82 65,314.32
Revaluation Reserves 0 0 0
Net Worth 49,032.66 57,947.70 65,949.20
Deposits 537,403.94 742,073.13 804,116.23
Borrowings 51,727.41 53,713.68 103,011.60
Total Debt 589,131.35 795,786.81 907,127.83
Other Liabilities & Provisions 83,362.30 110,697.57 80,336.70
Total Liabilities 721,526.31 964,432.08 1,053,413.73
Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Assets
Cash & Balances with RBI 51,534.62 55,546.17 61,290.87
Balance with Banks, Money at Call 15,931.72 48,857.63 34,892.98
Advances 416,768.20 542,503.20 631,914.15
Investments 189,501.27 275,953.96 285,790.07
Gross Block 8,988.35 10,403.06 11,831.63
Accumulated Depreciation 5,849.13 6,828.65 7,713.90
Net Block 3,139.22 3,574.41 4,117.73
Capital Work In Progress 234.26 263.44 295.18
Other Assets 44,417.03 37,733.27 35,112.76
Total Assets 721,526.32 964,432.08 1,053,413.74

Contingent Liabilities 736,087.59 614,603.47 429,917.37

Bills for collection 93,652.89 152,964.06 166,449.04
Book Value (Rs) 776.48 912.73 1,038.76
08 change 09 change 10 change
0.08751863809374 0.065829415379878
0.08751863809374 0.065829415379878
#DIV/0! #DIV/0!
#VALUE! #VALUE!
6.70816702442909 5.94264968871629
#DIV/0! #DIV/0!
6.79568566252283 6.00847910409616
74.4815445468648 76.9440529186877
7.1691647668399 5.5694621854553
81.6507093137047 82.513515104143
11.5536050237725 11.4780057917609
100 100
#VALUE! #VALUE!
0 0
#VALUE! #VALUE!
0 0
#DIV/0! #DIV/0!
7.14244492148256 5.75946934490192
2.20805805116021 5.06594824178806
57.7620231511444 56.2510529512871
26.2639441898668 28.6131046159311
1.24574111170331 1.07867212380575
0.81066065614904 0.708048823925475
0.43508045555428 0.370623299880278
0.03246728407635 0.027315557566273
6.1559819467154 3.91248598864526
100 100
#DIV/0! #DIV/0!
102.018120420056 #DIV/0!
12.9798300358606 #DIV/0!
0.10761630982498 #DIV/0!
0.060268817646795
0.060268817646795
0
0
6.20025334205583
#DIV/0!
6.26052215970263
76.3343221281158
9.77883589954728
86.1131580276631
7.6263198126343
100
#VALUE!
0
#VALUE!
0
#DIV/0!
5.81830933779163
3.31237183217299
59.9872705286719
27.1298976981257
1.12317027495768
0.732276379839131
0.39089389511855
0.028021278704795
3.33323542941447
100
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
COMPARATIVE P&L ACCOUNT

------------------- in Rs. Cr. -------------------

PARTICULARS Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Income
Interest Earned 48,950.31 63,788.43 70,993.92
Other Income 9,398.43 12,691.35 14,968.15
Total Income 58,348.74 76,479.78 85,962.07
Expenditure
Interest expended 31,929.08 42,915.29 47,322.48
Employee Cost 7,785.87 9,747.31 12,754.65
Selling and Admin Expenses 4,165.94 5,122.06 7,898.23
Depreciation 679.98 763.14 932.66
Miscellaneous Expenses 7,058.75 8,810.75 7,888.00
Preoperative Exp Capitalised 0 0 0
Operating Expenses 14,609.55 18,123.66 24,941.01
Provisions & Contingencies 5,080.99 6,319.60 4,532.53
Total Expenses 51,619.62 67,358.55 76,796.02
Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Net Profit for the Year 6,729.12 9,121.23 9,166.05

Extraordionary Items 0 0 0
Profit brought forward 0.34 0.34 0.34
Total 6,729.46 9,121.57 9,166.39
Preference Dividend 0 0 0
Equity Dividend 1,357.66 1,841.15 1,904.65
Corporate Dividend Tax 165.87 248.03 236.76
Per share data (annualised)
Earning Per Share (Rs) 106.56 143.67 144.37
Equity Dividend (%) 215 290 300
Book Value (Rs) 776.48 912.73 1,038.76
Appropriations
Transfer to Statutory Reserves 5,205.69 6,725.15 6,495.14
Transfer to Other Reserves -0.1 306.9 529.5
Proposed Dividend/Transfer to Govt 1,523.53 2,089.18 2,141.41
Balance c/f to Balance Sheet 0.34 0.34 0.34
Total 6,729.46 9,121.57 9,166.39
Absolute change Percentage change Absolute change
08 to 09 08 to 09 09 to 10

14,838.12 30.3126170191772 7,205.49

3,292.92 35.0369157401821 2,276.80
18,131.04 31.0735758818442 9,482.29
0.00 #DIV/0! 0.00
10,986.21 34.4081633420067 4,407.19
1,961.44 25.1923034933797 3,007.34
956.12 22.9508826339314 2,776.17
83.16 12.2297714638666 169.52
1,752.00 24.8202585443598 -922.75
0.00 #DIV/0! 0.00
3,514.11 24.0535129418771 6,817.35
1,238.61 24.3773359128831 -1,787.07
15,738.93 30.4902089554321 9,437.47
#VALUE! #VALUE! #VALUE!
0.00 #DIV/0! 0.00
#VALUE! #VALUE! #VALUE!
0.00 #DIV/0! 0.00
2,392.11 35.5486304301305 44.82
0.00 #DIV/0! 0.00
0.00 0 0.00
2,392.11 35.5468343670963 44.82
0.00 #DIV/0! 0.00
483.49 35.6120088976621 63.50
82.16 49.5327666244649 -11.27
0.00 #DIV/0! 0.00
37.11 34.8254504504504 0.70
75.00 34.8837209302326 10.00
136.25 17.5471357922934 126.03
0.00 #DIV/0! 0.00
1,519.46 29.1884457199718 -230.01
307.00 -307000 222.60
565.65 37.1275918426286 52.23
0.00 0 0.00
2,392.11 35.5468343670963 44.82
Percentage change
09 to 10

11.2959199654232
17.9397778802097
12.3984274013341
#DIV/0!
10.2695100044763
30.8530250910251
54.200263175363
22.213486385198
-10.4730017308402
#DIV/0!
37.6157464882921
-28.2782138110007
14.0107974414532
#VALUE!
#DIV/0!
#VALUE!
#DIV/0!
0.491381096628412
#DIV/0!
0
0.491362780749363
#DIV/0!
3.44893137441273
-4.54380518485668
#DIV/0!
0.487227674531925
3.44827586206897
13.8080264700404
#DIV/0!
-3.42014676252573
72.5317693059629
2.50002393283489
0
0.491362780749363
COMMON SIZE P&L ACCOUNT

PARTICULARS Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Income
Interest Earned 48,950.31 63,788.43 70,993.92
Other Income 9,398.43 12,691.35 14,968.15
Total Income 58,348.74 76,479.78 85,962.07
Expenditure
Interest expended 31,929.08 42,915.29 47,322.48
Employee Cost 7,785.87 9,747.31 12,754.65
Selling and Admin Expenses 4,165.94 5,122.06 7,898.23
Depreciation 679.98 763.14 932.66
Miscellaneous Expenses 7,058.75 8,810.75 7,888.00
Preoperative Exp Capitalised 0 0 0
Operating Expenses 14,609.55 18,123.66 24,941.01
Provisions & Contingencies 5,080.99 6,319.60 4,532.53
Total Expenses 51,619.62 67,358.55 76,796.02
Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths

Net Profit for the Year 6,729.12 9,121.23 9,166.05

Extraordionary Items 0 0 0
Profit brought forward 0.34 0.34 0.34
Total 6,729.46 9,121.57 9,166.39
Preference Dividend 0 0 0
Equity Dividend 1,357.66 1,841.15 1,904.65
Corporate Dividend Tax 165.87 248.03 236.76
Per share data (annualised)
Earning Per Share (Rs) 106.56 143.67 144.37
Equity Dividend (%) 215 290 300
Book Value (Rs) 776.48 912.73 1,038.76
Appropriations
Transfer to Statutory Reserves 5,205.69 6,725.15 6,495.14
Transfer to Other Reserves -0.1 306.9 529.5
Proposed Dividend/Transfer to Govt 1,523.53 2,089.18 2,141.41
Balance c/f to Balance Sheet 0.34 0.34 0.34
Total 6,729.46 9,121.57 9,166.39
CHANGE08 CHANGE09 CHANGE10

83.89265989 83.41 82.587494694

#DIV/0! #DIV/0! #DIV/0!
182.7448207 178.21 181.651659
0 0.00 0
766.4315857 837.85 599.15297478
1145.014559 1,277.26 1367.556237
59.01809811 58.13 100.12969067
#DIV/0! #DIV/0! #DIV/0!
48.31599878 48.61 31.626626187
0 0.00 0
28.30231993 26.91 32.476956488
#VALUE! #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
#VALUE! #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
#VALUE! #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
1979152.941 2,682,714.71 2695897.0588
0 0.00 0
#DIV/0! #DIV/0! #DIV/0!
495.6660725 495.43 481.26374925
0 0.00 0
#DIV/0! #DIV/0! #DIV/0!
155.6587838 172.64 163.99528988
0 0.00 0
13.72347002 15.74 13.898301821
#DIV/0! #DIV/0! #DIV/0!
14.91598616 13.57 15.992880831
0 0.00 0
341.6860843 321.90 303.31136961
-29.4117647 90,264.71 155735.29412
22.6397066 22.90 23.361541457
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
TREND ANALYSIS

PARTICULARS Mar '08 Mar '09

12 mths 12 mths

Capital and Liabilities:

Total Share Capital 631.47 634.88
Equity Share Capital 631.47 634.88
Share Application Money 0 0
Preference Share Capital 0 0
Reserves 48,401.19 57,312.82
Revaluation Reserves 0 0
Net Worth 49,032.66 57,947.70
Deposits 537,403.94 742,073.13
Borrowings 51,727.41 53,713.68
Total Debt 589,131.35 795,786.81
Other Liabilities & Provisions 83,362.30 110,697.57
Total Liabilities 721,526.31 964,432.08
Mar '08 Mar '09

12 mths 12 mths

Assets
Cash & Balances with RBI 51,534.62 55,546.17
Balance with Banks, Money at Call 15,931.72 48,857.63
Advances 416,768.20 542,503.20
Investments 189,501.27 275,953.96
Gross Block 8,988.35 10,403.06
Accumulated Depreciation 5,849.13 6,828.65
Net Block 3,139.22 3,574.41
Capital Work In Progress 234.26 263.44
Other Assets 44,417.03 37,733.27
Total Assets 721,526.32 964,432.08

Contingent Liabilities 736,087.59 614,603.47

Bills for collection 93,652.89 152,964.06
Book Value (Rs) 776.48 912.73
Mar '10 Amount08 AMOUNT09 AMOUNT10

12 mths

634.88 100 100.5400098184 100.540009818

634.88 100 100.5400098184 100.540009818
0 #DIV/0! #DIV/0! #DIV/0!
0 #DIV/0! #DIV/0! #DIV/0!
65,314.32 100 118.4120059858 134.94362432
0 #DIV/0! #DIV/0! #DIV/0!
65,949.20 100 118.1818404304 134.500555344
804,116.23 100 138.0847952101 149.629760809
103,011.60 100 103.8398790892 199.143162204
907,127.83 100 135.077994067 153.977178434
80,336.70 100 132.7909258742 96.3705415997
1,053,413.73 100 133.6655457512 145.997965064
Mar '10 #VALUE! #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
12 mths #VALUE! #VALUE! #VALUE!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
61,290.87 100 107.7841846898 118.931448413
34,892.98 100 306.668897018 219.015774819
631,914.15 100 130.1690484063 151.622448642
285,790.07 100 145.6211665494 150.81169113
11,831.63 100 115.7393737449 131.632947093
7,713.90 100 116.7464221175 131.881151556
4,117.73 100 113.8629978147 131.170481839
295.18 100 112.4562451976 126.005293264
35,112.76 100 84.95225817665 79.0524715408
1,053,413.74 100 133.6655438987 145.997964426
#DIV/0! #DIV/0! #DIV/0!
429,917.37 100 83.49596954895 58.4057353827
166,449.04 100 163.3308486262 177.729742243
1,038.76 100 117.5471357923 133.778075417