PARTICULARS

Quarter Ended 31.12.2005 (Reviewed)

Quarter Ended 31.12.2004 (Reviewed)

Nine Months Ended 31.12.2005 (Reviewed)

Nine Months Ended 31.12.2004 (Reviewed)

Year Ended 31.03.2005 (Audited)

1.

Interest  Earned
(a) + (b) + (c) +(d)

94558.91

82175.51

272933.85

235498.15

318559.88

(a)

Interest/discount on advances/bills

56010.87

43712.48

155515.83

123627.57

168258.27

(b)

Income on investments

36394.57

37518.15

111648.74

109055.29

146210.32

(c)

Interest on balances with Reserve Bank of India and other inter bank funds

1761.38

929.42

4967.22

2794.03

4011.44

(d)

Others

392.09

15.46

802.06

21.26

79.85

2.

Other Income

14999.94

7604.39

43434.01

50135.22

63987.84

A.

TOTAL INCOME (1)+(2)

109558.85

89779.90

316367.86

285633.37

382547.72

3.

Interest Expended

55414.73

44412.81

161060.77

132573.15

182156.02

4.

Operating Expenses (e) + (f)

27789.78

21721.52

81773.92

67901.54

93130.19

(e)

Payments to and provisions for employees

16640.84

12001.49

46831.48

40603.96

54170.63

(f)

Other operating expenses

11148.94

9720.03

34942.44

27297.58

38959.56

B

TOTAL EXPENDITURE (3) + (4) (excluding Provisions and Contingencies)

83204.51

66134.33

242834.69

200474.69

275286.21

C.

OPERATING PROFIT (A - B) (Profit before Provisions and Contingencies)

26354.34

23645.57

73533.17

85158.68

107261.51

D.

Provisions and Contingencies

3085.50

10694.79

14454.54

35405.48

47555.15

---Of which Provisions for non-performing assets

300.00

3000.00

3580.00

(1500.00)

4000.00

E.

Provision for taxes

838.56

(2974.37)

3515.76

3505.65

5526.92

F.

Net Profit
(C - D - E)

22430.28

15925.15

55562.87

46247.55

54179.44

5.

Paid-up equity share capital

44670.00

34670.00

44670.00

34670.00

34670.00

6.

Reserves excluding revaluation reserves (as per balance sheet of previous accounting year)

138069.70

97410.65

138069.70

97410.65

138069.70

7.

Analytical Ratios

(i)

Percentage of shares held by Government of India (%)

55.23

71.16

55.23

71.16

71.16

(ii)

Capital Adequacy Ratio (%)

12.60

12.11

12.60

12.11

12.53

(iii)

Earning per share (Rs.)*

5.02

4.59

12.71

13.34

15.63

(iv)

(a) Amount of Gross Non-performing assets

125224.00

129779.00

125224.00

129779.00

128427.00

(b) Amount of Net Non-performing assets

22076.00

29363.00

22076.00

29363.00

27070.00

(c ) % of Gross NPAs

4.52

6.24

4.52

6.24

5.80

(d) % of Net NPAs

0.83

1.48

0.83

1.48

1.28

(v)

Return on Assets (annualised)

1.78

1.51

1.47

1.46

1.20

8

Aggregate of Non-promoter share holding

-- Number of shares

200000000

100000000

200000000

100000000

100000000

--Percentage of share holding

44.77

28.84

44.77

28.84

28.84

9

Number of investor complaints

------Received

1086

1062

3814

4385

5230

----- Disposed off

1086

1062

3814

4385

5230

-----Lying unresolved

NIL

NIL

NIL

NIL

NIL