Notes:

1. For the purpose of segment reporting in terms of AS 17 issued by the Institute of Chartered Accountants of India and RBI guidelines thereon, the business of the bank has been classified into two segments, viz.

   (a) Treasury Operations, and
   (b) Other Banking Operations
    

2. Investment in SLR securities in excess of statutory requirements and investment in non-SLR securities have been considered as investment for Treasury Operations.
    
3. Since the Bank does not have any overseas branch, reporting under Geographical segment has not been made.
     
4. Expenses, assets and liabilities directly attributed to particular segment are allocated to the relative segment and wherever the items are not directly attributable to specific segment the same has been allocated in proportion to business managed.

Dated: 24th January, 2007