REVIEWED FINANCIAL RESULTS FOR THE QUARTER ENDED 31 TH DECEMBER, 2011       Rs. in Lakhs

Sl. No.	Particulars	Quarter ended (Reviewed)			Nine Months ended (Reviewed)		Year Ended (Audited)
		31.12.2011	30.09.2011	31.12.2010	31.12.2011	31.12.2010	31.03.2011
01	Interest earned [(a)+(b)+(c)+(d)]	205826	199266	148251	583588	423528	584406
	(a) Interest/discount on advances/bills	156988	150255	103687	440321	301497	419190
	(b) Income from investments	47602	45833	42831	138068	118492	161101
	(c) Interest on balances with Reserve Bank of India and other inter bank funds	32	2	54	52	65	126
	(d) Others	1204	3176	1679	5147	3474	3989
02	Other Income	11566	10567	10189	38977	39030	53318
03	TOTAL INCOME (1+2)	217392	209833	158440	622565	462558	637724
04	Interest Expended	158366	147931	94619	442491	276684	389729
05	Operating Expenses (i) + (ii)	28852	27928	31161	83375	92203	143328
	(i) Employee costs	17045	16517	20820	50510	62336	101044
	(ii) Other operating expenses	11807	11411	10341	32865	29867	42284
06	TOTAL EXPENDITURE (4+5) (Excluding provisions and contingencies)	187218	175859	125780	525866	368887	533057
07	OPERATING PROFIT (3 –6) (Profit before provisions and contingencies)	30174	33974	32660	96699	93671	104667
08	Provisions (other than tax) and Contingencies	16724	9587	11480	49440	27712	43870
09	Exceptional items	-	-	-	-	-	-
10	Profit/(Loss) from Ordinary Activities before tax (7-8-9)	13450	24387	21180	47259	65959	60797
11	Tax Expenses	1023	4034	6000	7257	19000	8415
12	Net Profit/(Loss) from Ordinary Activities after tax (10-11)	12427	20353	15180	40002	46959	52382
13	Extraordinary Items (Net of Tax Expense)	-	-                       -	-	-	-	-
14	Net Profit/(Loss) for the period (12-13)	12427	20353	15180	40002	46959	52382
15	Paid up equity share capital (Face value of each share-` 10/-)	47267	47267	43352	47267	43352	47267
16	Reserves excluding Revaluation Reserves (As per Balance Sheet of previous accounting year)	285050	285050	222995	285050	222995	285050
17	Analytical Ratios
	(i)   Percentage of shares held by Government of India	57.69	57.69	53.87	57.69	53.87	57.69
	(ii) Capital Adequacy Ratio (%)
	Basel I	10.94	11.27	12.85	10.94	12.85	12.59
	Basel II	12.39	12.63	13.67	12.39	13.67	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)	2.63	4.31	3.09	8.46	9.83	9.89
	(b) Basic and Diluted EPS after Extraordinary Items for the period, for the            year to date and for the previous year	2.63	4.31	3.09	8.46	9.83	9.89
	(iv) NPA Ratios
	a) Amount of Gross Non Performing Assets	166717	138118	107290	166717	107290	125919
	b) Amount of Net Non Performing Assets	99710	76115	59854	99710	59854	74116
	c) Percentage of Gross Non Performing Assets	2.98	2.54	2.46	2.98	2.46	2.56
	d) Percentage of Net Non Performing Assets	1.81	1.42	1.38	1.81	1.38	1.52
	(v) Return on Assets (Annualised) (%)	0.55	0.95	0.86	0.62	0.88	0.72
18	Public share holding
	- Number of shares	200000000	200000000	200000000	200000000	200000000	200000000
	- Percentage of share holding	42.31	42.31	46.13	42.31	46.13	42.31
19	Promoters and Promoter Group Shareholding
	a) Pledged / Encumbered
	Number of Shares	Nil	Nil	Nil	Nil	Nil	Nil
	Percentage of shares (as a percentage of total shareholding of promoter and promoter group)	Nil	Nil	Nil	Nil	Nil	Nil
	Percentage of shares (as a percentage of total share capital of the company)	Nil	Nil	Nil	Nil	Nil	Nil
	b) Non-encumbered
	Number of Shares (in million)	272.66	272.66	233.52	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	100.00	100.00	100.00
	Percentage of shares (as a percentage of total share capital of the company)	57.69	57.69	53.87	57.69	53.87	57.69

(`in lakhs)
SEGMENT–WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER AND NINE MONTHS ENDED 31.12.2011
Sl. No.	Particulars	Quarter Ended 31.12.2011 (Reviewed)	Quarter Ended 30.09.2011 (Reviewed)	Quarter Ended 31.12.2010 (Reviewed)	Nine Months Ended 31.12.2011 (Reviewed)	Nine Months Ended 31.12.2010 (Reviewed)	Year Ended 31.03.2011 (Audited)
a)	Segment Revenue #
	i) Treasury Operations	51727	48692	46105	152501	133101	179960
	ii) Whole Sale Banking	107184	99079	62619	292623	172890	243502
	iii) Retail Banking	49804	51176	41068	147698	128607	175687
	iv) Other Banking Operations	8679	10886	8648	29745	27960	38575
	Total	217394	209833	158440	622567	462558	637724
b)	Segment Result
	i) Treasury Operations	7336	8069	9878	24345	27892	30839
	ii) Whole Sale Banking	15415	16475	13396	46714	36230	41728
	iii) Retail Banking	7055	8505	8823	23578	26950	30106
	iv) Other Banking Operations	1192	1810	1862	4749	5861	6610
	Total	30998	34859	33959	99386	96933	109283
c)	Unallocated Expenses	824	885	1299	2686	3262	4616
d)	Operating Profit	30174	33974	32660	96699	93671	104667
e)	Provisions & Contingencies	16724	9587	11480	49440	27712	43870
f)	Tax Expenses (including earlier years)	1023	4034	6000	7257	19000	8415
g)	Extraordinary Profit	-	-	-	-	-	-
h)	Net Profit	12427	20353	15180	40002	46959	52382
i)	Other Information						-
j)	Segment Assets
	i) Treasury Operations	2999787	2875782	2502484	2999787	2502484	2773703
	ii) Whole Sale Banking	4072388	3867561	2898197	4072388	2898197	3408843
	iii) Retail Banking	1891026	1918159	1737148	1891026	1737148	1815122
	iv) Other Banking Operations	24927	36056	27424	24927	27424	52984
	v) Unallocated Assets	139185	130746	99726	139185	99726	118040
	Total Assets	9127313	8828304	7264979	9127313	7264979	8168692
k)	Segment Liabilities
	i) Treasury Operations	2872530	2750894	2375563	2872530	2375563	2648410
	ii) Whole Sale Banking	3899629	3699603	2751206	3899629	2751206	3254860
	iii) Retail Banking	1810805	1834858	1649043	1810805	1649043	1733130
	iv) Other Banking Operations	23869	34490	26033	23869	26033	50591
	v) Unallocated Liabilities	520479	508459	463134	520479	463134	481701
	Total Liabilities	9127313	8828304	7264979	9127313	7264979	8168692
	# The Bank operates only in domestic segment

   

Place: Bangalore Date:  31st December, 2011

SHUBHALAKSHMI PANSE Executive Director

H. S. UPENDRA KAMATH Chairman & Managing Director