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									                        ANDHRA BANK::HEAD OFFICE::HYDERABAD

                            Segmentwise Results                       (Rs.lakhs)

                                                                      For the
                                                     For the                       For the Year
                                                                      Quarter
Part A              Business Segments             Quarter ended                       ended
                                                                       ended
                                                   30.06.2009                       31.03.2009
                                                                     30.06.2008
         1 Segment Revenue
           (a) Treasury                                     43256        25558            129537
           (b) Corporate/Wholesale Banking                  49081        37844            196261
           (c) Retail Banking                               73444        54846            246860
           (d) Other Banking Operations                       8489        9355             41342
           Total                                          174270        127603            614000
           Less: Inter Segment Revenue                                                         0
           Income from Operations                         174270        127603            614000
         2 Segment Results
           (a) Treasury                                     16094         -793             10258
           (b) Corporate/Wholesale Banking                    7007        7555             48411
           (c) Retail Banking                               10486        11587             60097
           (d) Other Banking Operations                       1213        2178             10037
           Total                                            34800        20527            128803
           Less :
           (i) Other Un-allocable Expenditure                 -322       12265             38998
           Total Profit Before Tax                          35122         8262             89805
           Income tax and other taxes paid                    9500         500             24500
           Net Profit                                       25622         7762             65305
         3 Segment Assets
           (a) Treasury                                  1786457       1593953           1691111
           (b) Corporate/Wholesale Banking               2419868       1043658           2410333
           (c) Retail Banking                            1974521       2328738           1920314
           (d) Other Banking Business                       41816        65640             83280
           (e) Unallocable Assets                         877838        733391            741883
           Total Assets                                  7100500       5765380           6846921
         4 Segment liabilities
           (a) Treasury                                     74572        60679             41608
           (b) Corporate/Wholesale Banking               1135055       1137980           1190141
           (c) Retail Banking                            4842361       3579558           4702039
           (d) Other Banking Operations                     59417        41618             47030
           e) Unallocable Liabilities                     598774        612854            501404
           Total                                         6710179       5432689           6482222
           Capital & Reserves                             390321        332691            364699
           Total Liabilities                             7100500       5765380           6846921
( Compiled by the Management and relied upon by the Auditors)

Part B
                         There is only one segment - Domestic Segment

Previous year's Figures have been regrouped /reclassified wherever necessary.
ANIL GIROTRA                                                 R.S. REDDY
Executive Director                                           Chairman & Managing Director
Place: HYDERABAD
Date: 25.07.2009
                                                     ANDHRA BANK

                                             HEAD OFFICE :: HYDERABAD
                         FINANCIAL RESULTS FOR THE QUARTER ENDED 30TH JUNE, 2009
                                                                                                               (Rs in Lacs)
S.N                                                                      QUARTER ENDED                     YEAR ENDED
                         PARTICULARS
 O
                                                                    30.06.2009      30.06.2008              31.03.2009
                                                                            (REVIEWED)                      (AUDITED)
                                                                         1               2                       3
 1 Interest Earned (a) + (b) + (c) + (d)                                150462.74       115736.09               537461.68
   (a) Interest / Discount on Advances/Bills                            121783.28        88009.83               421505.92
   (b) Income on investments                                              28094.44       27088.61               109898.48
   (c) Interest on balances with Reserve Bank of India and
   other inter bank funds                                                   585.02             637.65              3767.30
   (d) Others                                                                 0.00               0.00              2289.98
 2 Other Income                                                           23807.38           10875.58             76538.24
 3 TOTAL INCOME (1+2)                                                    174270.12          126611.67            613999.92
 4 Interest Expended                                                     106325.61           81110.97            374771.20
 5 Operating Expenses (i)+(ii)                                            33144.62           24973.57            110425.78
   (i) Employees cost                                                     21138.65           14064.93             62406.07
   (ii) Other operating expenses                                          12005.97           10908.64             48019.71
   Total Expenditure (4+5)
 6 (Excluding Provisions & Contingnecies)                                139470.23          106084.54            485196.98
   OPERATING PROFIT (3-6)
 7 (Before Provisions & Contingencies)                                    34799.89           20527.13            128802.94
 8 Provisions (other than tax) and Contingencies                           -322.21           12265.11              38997.82
 9 Exceptional Items                                                          0.00               0.00                  0.00
10 Profit from ordinary activities before tax (7-8-9)                     35122.10            8262.02              89805.12
11 Tax expense                                                             9500.00             500.00              24500.00
12 Net Profit from ordinary activities after tax (10-11)                  25622.10            7762.02              65305.12
13 Extraordinary items (net of tax expense)                                   0.00               0.00                  0.00
14 Net Profit for the period (12-13)                                      25622.10            7762.02              65305.12
   Paid up equity share capital
15 (Face value of each share Rs. 10/-)                                    48500.00           48500.00             48500.00
16 Reserves excluding Revaluation Reserves                               341821.45          276428.89            316199.34
17 Analytical Ratios
   (i) Percentage of shares held by Government of India                       51.55              51.55                51.55
   (ii)Capital Adequacy Ratio -BASEL-I (%)                                    13.50              12.13                12.37
   (iii)Capital Adequacy Ratio - BASEL-II (%)                                 14.75               0.00                13.22
   (iv)Earning per share in Rs.(* not annualised)
      Basic and diluted EPS before/after Extraordinary items
      (net of tax expense)                                                     *5.28              *1.60               13.46
   (iv) NPA Ratios
   a. Gross Non Performing Assets                                         35908.04           39282.35              36814.18
   b. Net Non Performing Assets                                            9961.63            3513.52               7922.75
   c. % of Gross NPAs                                                         0.80               1.15                  0.83
   d. % of Net NPAs                                                           0.22               0.10                  0.18
   e. Return on assets (Annualised)                                           1.48               0.56                  1.09
18 Public Shareholding
   Number of shares (in Lacs)                                                  2350               2350                 2350
   Percentage of shareholding                                                 48.45              48.45                48.45
19 Promoters and Promoter Group Shareholding
   (a) Pledged/Encumbered                                                          0                  0                     0
   Number of Shares (in Lacs)                                                      0                  0                     0
   Percentage of Shares (as a % of the total Shareholding of
   promoter and promoter group)                                                    0                  0                     0
   Percentage of Shares (as a % of the total Share Capital of
   the Company)                                                                    0                  0                     0
   (b) Non-encumbered
   Number of shares (in Lacs)                                                  2500               2500                 2500
   Percentage of Shares (as a % of the total Shareholding of
   promoter and promoter group)                                                 100                100                  100
   Percentage of Shares (as a % of the total Share Capital of
   the Company)                                                               51.55              51.55                51.55

      Notes:

 1) These unaudited financial results for the quarter ended 30th June,2009 have been compiled as per clause 41 of the
    listing agreement.

 2) The above financial results, subjected to " Limited Review " by Statutory Central Auditors, have been approved and
    taken on record by the Board of Directors of the Bank at the meeting held on 25.07.2009.

 3) The financial results for the quarter ended 30th June'2009 are based on the same set of accounting policies
      followed for the annual accounts for the year ended 31st March,2009. .

 4) The provision for standard and non-performing assets (NPA), depreciation on investments has been made on the basis
    of prudential norms issued by Reserve Bank of India (RBI) from time to time. Provision for taxation (including Deferred
    Tax), Employees' benefits, depreciation on fixed assets, interest on deposits and other usual expenses have been
    made on estimated basis, subject to adjustment at the year end.

 5) Employees cost for the quarter ended June 2009 includes an adhoc provision of Rs. 40.00 Crores towards wage
    revision pending outcome of negotiations.

 6) As per RBI guidelines bank has reckoned the floating provision on advances as part of Tier-II Capital for the quarter
    ended June 2009 instead of being netted off from gross NPAs hitherto.

 7). Previous quarter figures have been regrouped/re-classified whereever necessary.

 8) Status of Investor Complaints : No Investor complaints were pending as on 31st March, 2009.      Complaints received
    and disposed off during the quarter 09 . Pending as on 30th June, 2009 : Nil




      ANIL GIROTRA                                              R.S. REDDY
      EXECUTIVE DIRECTOR                                        CHAIRMAN & MANAGING DIRECTOR

      Hyderabad,
      25-07-2009

								
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