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					(Head Office : Bangalore - 2) UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER & HALF YEAR ENDED 30TH SEPTEMBER 2009
(Rupees in Lakhs)

SL. No.

PARTICULARS

1 INTEREST EARNED (a)+(b)+(c)+(d) (a) Interest/discount on advances/bills (b) Income on Investments (c) Interest on balances with Reserve Bank of India & Other Inter-Bank Funds (d) Others 2 Other Income 3 TOTAL INCOME (1+2) 4 Interest Expended 5 Operating Expenses (i)+(ii) (i) Employees Cost (ii) Other Operating Expenses 6 TOTAL EXPENSES ((4+5) excluding Provisions & Contingencies) 7 Operating Profit before Provisions and Contingencies (3-6) 8 Provisions (Other than Tax) and Contingencies 9 Exceptional items 10 Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 11 Tax expense 12 Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 13 Extraordinary items (net of tax expense) 14 Net Profit (+) / Loss (-) for the period (12-13) 15 Paid up Equity Share Capital (Face Value of each share-Rs.10/-) Reserves excluding Revaluation Reserves (As per Balance Sheet of 16 previous accounting year) 17 Analytical Ratios (i) Percentage of shares held by Government of India (ii) Capital Adequacy Ratio (iii) Earnings per Share (EPS) (Not Annualised) a) Basic and diluted EPS before Extraordinary items (net of tax expense) for the period, for the year to date and for the previous year b) Basic and diluted EPS after Extraordinary items for the period, for the year to date and for the previous year (iv) NPA Ratios (a) Amount of Gross Non Performing Assets (b) Amount of Net Non Performing Assets (c) Percentage of Gross Non Performing Assets (d) Percentage of Net Non Performing Assets (v) Return on Assets (Annualised) 18 Public shareholding - Number of Shares - Percentage of shareholding 19 Promoters and promoter group shareholding a) Pledged / Encumbered - Number of shares - Percentage of shares (as a % of the total shareholding of promoter and promoter group) - Percentage of shares (as a % of the total share capital of the Company) b) Non-encumbered - Number of shares - Percentage of shares (as a % of the total shareholding of promoter and promoter group) - Percentage of shares (as a % of the total share capital of the Company) Notes: 1 2

QUARTER ENDED (UNAUDITED) 30.09.2009 30.09.2008 470916 410920 350532 305374 113668 100269 6697 19 89294 560210 339549 78749 46213 32536 418298 141912 30860 0 111052 20000 91052 0 91052 41000 962961 73.17% 14.46% 22.21 22.21 234763 169414 1.60% 1.16% 1.63% 110000000 26.83% 5267 10 33877 444797 296023 71422 42176 29246 367445 77352 14409 0 62943 10000 52943 0 52943 41000 788563 73.17% 13.21% 12.91 12.91 143668 106498 1.20% 0.89% 1.13% 110000000 26.83%

HALF YEAR ENDED YEAR ENDED (UNAUDITED) (AUDITED) 30.09.2009 30.09.2008 31.03.2009 926754 783974 1711906 693006 575411 1281315 222239 198782 410078 11490 19 136651 1063405 666238 151122 92022 59100 817360 246045 64460 0 181585 35000 146585 0 146585 41000 962961 73.17% 14.46% 35.75 35.75 234763 169414 1.60% 1.16% 1.32% 110000000 26.83% 9762 19 70728 854702 567158 139833 84303 55530 706991 147711 68500 0 79211 14000 65211 0 65211 41000 788563 73.17% 13.21% 15.91 15.91 143668 106498 1.20% 0.89% 0.70% 110000000 26.83% 20475 38 231121 1943027 1240124 306526 187715 118811 1546650 396377 139135 0 257242 50000 207242 0 207242 41000 962961 73.17% 14.10% 50.55 50.55 216797 150725 1.56% 1.09% 1.06% 110000000 26.83%

NIL

300000000.00 100.00% 73.17%

300000000.00 100.00% 73.17%

300000000.00 100.00% 73.17%

The above Financial Results were approved by the Board of Directors at its meeting held on 26th October 2009 and have been subjected to Limited Review by the Statutory Central Auditors of the Bank. The financial results for the quarter ended 30th September 2009 have been arrived after considering provision for Loan Losses, Standard Assets, Depreciation on Investments and Fixed Assets on actual basis. Provision for Employees Benefit, Income Tax and Other Contingencies are on an estimated basis. 3 Number of Investors Complaints received and disposed off during the quarter ended 30.09.2009. i) Pending at the beginning of the quarter - Nil ii) Received during the quarter - 344 iii) Disposed off during the quarter - 344 iv) Lying unresolved at the end of the quarter - Nil Figures of the corresponding period have been reclassified /regrouped wherever considered necessary.

4

DATE: OCTOBER 26, 2009 PLACE: BANGALORE

H S UPENDRA KAMATH EXECUTIVE DIRECTOR

JAGDISH PAI K L EXECUTIVE DIRECTOR

A C MAHAJAN CHAIRMAN & MANAGING DIRECTOR

SEGMENT REPORTING FOR THE SECOND QUARTER & HALF YEAR ENDED SEPTEMBER 30, 2009 Lakhs] [Rs. in REVIEWED REVIEWED AUDITED BUSINESS SEGMENT Quarter ended Half year ended Year ended 30.09.2009 30.09.2008 30.09.2009 30.09.2008 31.03.2009 (1) Segment Revenue a Treasury Operations 158235 99393 269774 194045 472533 b Retail Banking Operations 218329 156433 386487 313796 626359 c Wholesale Banking Operations 152216 169015 338218 307471 731558 d Other Banking Operations 0 0 0 0 0 e Unallocated 31430 19956 68926 39390 112577 Total 560210 444797 1063405 854702 1943027 (2) Segment Results a Treasury Operations 27005 12242 45836 20653 79760 b Retail Banking Operations 30552 46452 67736 95595 127576 c Wholesale Banking Operations 82592 17634 126690 28772 181756 d Other Banking Operations 0 0 0 0 0 Total 140149 76328 240262 145020 389092 1763 1024 5783 2691 7285 (3) Unallocated Income/Expenses (4) Operating Profit 141912 77352 246045 147711 396377 30860 14409 64460 68500 139135 (5) Provisions and Contingencies 20000 10000 35000 14000 50000 (6) Income Tax 0 0 0 0 0 (7) Extraordinary Items (8) Net Profit 91052 52943 146585 65211 207242 (10) Segment Assets* a Treasury Operations 7979573 6938633 7979573 6938633 6821766 b Retail Banking Operations 5299140 5450477 5299140 5450477 4792635 c Wholesale Banking Operations 9885344 7222535 9885344 7222535 9991162 d Other Banking Operations 0 0 0 0 0 e Unallocated Assets 96315 48670 96315 48670 142201 Total Assets 23260372 19660315 23260372 19660315 21747764 (11) Segment Liabilities a Treasury Operations 2126032 1317488 2126032 1317488 2269400 b Retail Banking Operations 11298829 10928050 11298829 10928050 10195813 c Wholesale Banking Operations 6770457 4864863 6770457 4864863 6632499 d Other Banking Operations 0 0 0 0 0 e Unallocated Liabilities 1915492 1650990 1915492 1650990 1646091 f 1149562 898924 1149562 898924 1003961 Capital and Reserves * Total Liabilities 23260372 19660315 23260372 19660315 21747764 (* Excluding Revaluation Reserve) REVIEWED Quarter ended 30.09.2009 30.09.2008 551880 22498406 8330 761966 560210 23260372 436997 19191503 7800 468812 444797 19660315 REVIEWED Half year ended 30.09.2009 30.09.2008 1046668 22498406 16737 761966 1063405 23260372 840381 19191503 14321 468812 854702 19660315 AUDITED Year ended 31.03.2009 1912130 21070054 30897 677710 1943027 21747764

GEOGRAPHICAL SEGMENT (1) a b (2) a b a b Domestic Operations Revenue Assets International Operations Revenue Assets Total Revenue Assets


				
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