10, B.T.M.

Sarani, Kolkata - 700 001

Audited Financial Results for the Year Ended 31st March,

SL Quarter Ended
No. 31.03.2011
Particulars (Audited)
1 Interest Earned (a)+(b)+(c)+(d) 306849
    (a) Interest/discount on advances / bills 229755
    (b) Income on
(c) Interest on investments
balances with R.B.I & other 72757
inter-bank funds 1951
    (d) Others 2386
2 Other Income 29206
3 Total Income   (1+2) 336055
4 Interest Expended 222421
5 Operating Expenses (a) + (b) 55645
    (a) Employees Cost 38119
    (b) Other
Total Operating
Expenditure Expenses
(4+5) (excluding 17526
6 Provisions and Contingencies)
Operating Profit (Before Provisions and 278066
7 Contingencies)
Provisions (3-6)
(other than tax) and 57989
8 Contingencies 34077
  ...of which provision for NPA 9364
9  Exceptional Items from Ordinary Activities
Profit(+)/Loss(-) 0
10 before tax (7-8-9) 23912
11 Tax Expenses
Net Profit(+)/Loss(-) from Ordinary 1322
12 Activities after tax (10-11) 22590
13 Extraordinary items 0
14 Net Profit/(Loss) for the period (12-13) 22590
Paid-up Equity Share Capital (Face Value
15 Rs.10/- each) 62751.75
Reserves
 (As per BalanceexcludingSheetRevaluation Reserves
of previous accounting
16 year) 451793
17 Analytical Ratios
   (i) Percentage of shares held by Govt. of
India 68.13%
  (ii) Capital Adequacy Ratio:  Basel-I 11.87%
                                                 Basel-II 13.71%
  (iii) Earning Per Share (EPS) (in Rs.)
 (Not Annualised)
         Basic and Diluted EPS before and after
Extraordinary items  for the period, for the
year to date and for the previous year.
3.48
  (iv) NPA Ratios
      a) Gross NPA 315036
      b) Net NPA 182455
      c) % of Gross NPA 0.03
      d) % of Net NPA 0.02
      e) Return on Assets (Annualised) (%) 0.62%
18 Public Shareholding
   - No. of Shares  (in lakh) 2000
   - Percentage
Promoters andof Promoter
Shareholding
Group 31.87%
19 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) Nil
  b) Non-Encumbered
       Number of Shares (in lakh) 4275.17
       Percentage of Shares (as a % of the total
shareholding of promoter and promoter group)
100.00%
       Percentage of Shares (as a % of the total
share capital of the Company) 68.13%

SEGMENTWISE RESULT AS ON 31ST MARCH, 2011

PART : A      BUSINESS SEGMENT
Quarter Ended
Sl. 31.03.2011
No. Particulars (Audited)
1 Segment Revenue
i) Treasury Operations 81360
ii) Corporate/Wholesale Banking 216202
iii) Retail Banking 37612
iv) Other Banking Operations 881
 Total Revenue 336055
2 Segment Results
i) Treasury Operations 10238
ii) Corporate/Wholesale Banking 9183
iii) Retail Banking 3610
 iv) Other Banking Operations 881
Profit Before Tax 23912
Provision for Tax 1322
Net Profit 22590
3 Segment Assets
i) Treasury Operations 6138733
ii) Corporate/Wholesale Banking 7951598
iii) Retail Banking 2249514
iv) Other Banking Operations 0
Total Assets 16339845

4 Segment Liabilities
i) Treasury Operations 4901918
ii) Corporate/Wholesale Banking 8915675
iii) Retail Banking 2522253
iv) Other Banking Operations 0
Total Liabilities 16339845

PART : B    GEOGRAPHIC SEGMENT

Quarter Ended
Particulars 31.03.2011
(Audited)
Domestic
i) Revenue 329540
ii) Assets 15326846
International
i) Revenue 6515
ii) Assets 1012999
Global
i) Revenue 336055
ii) Assets 16339845

STATEMENT OF ASSETS AND LIABILITIES AS ON 31.03.2011

As on
31.03.2011

Particulars (Audited)
Capital & Liabilities
Capital  2450 52
Reserves and Surplus  4968 71
Deposits 145277 60
Borrowings  5474 77
Other Liabilities and Provisions  5226 85
Total 163398 45
Assets
Cash and Balance with RBI 10404 03
Balance with Banks and Money at call and
Short Notice  6576 41
Investments 42927 28
Advances 99070 81
Fixed Assets   738 87
Other Assets  3681 05
Total 163398 45
, Kolkata - 700 001

he Year Ended 31st March, 2011

(Rs. in lakhs)
Quarter Ended Year Ended
31.03.201
31.03.2010 1 31.03.2010
(Audited) (Audited) (Audited)
243591 1137080 952632
175134 850539 710685
60794 270013 218898
5013 12424 19887
2650 4104 3162
25409 92541 96593
269000 1229621 1049225
169198 752589 720220
43244 207536 158442
28778 148012 105762
14466 59524 52680
212442 960125 878662
56558 269496 170563
17685 175040 65647
20369 118065 35380
0 0 0
38873 94456 104916
893 3802 3698
37980 90654 101218
0 0 0
37980 90654 101218

54936 62751.75 54936

306212 451793 306212

63.59% 68.13% 63.59%

11.35% 11.87% 11.35%
13.21% 13.71% 13.21%
 6.68 14.29 17.47

166643 315036 166643

96628 182455 96628
1.99% 3.13% 1.99%
1.17% 1.84% 1.17%
1.22% 0.66% 0.87%

2000 2000 2000

36.41% 31.87% 36.41%

Nil

3493.6 4275.17 3493.6

100.00% 100.00% 100.00%

63.59% 68.13% 63.59%

31ST MARCH, 2011

S SEGMENT
Quarter Ended Year Ended
31.03.201
31.03.2010 1 31.03.2010
(Audited) (Audited) (Audited)

70576 306079 271084

146234 710316 490588
50071 207961 281274
2119 5265 6279
269000 1229621 1049225

-10232 33422 -3471

21035 37957 54514
25951 17812 47594
 2119 5265 6279
38873 94456 104916
893 3802 3698
37980 90654 101218

5270404 6138733 5270404

5514327 7951598 5514327
2947218 2249514 2947218
0 0 0
13731949 16339845 13731949

4674264 4901918 4674264

5902827 8915675 5902827
3154858 2522253 3154858
0 0 0
13731949 16339845 13731949

IC SEGMENT
Quarter Ended Year Ended
31.03.201
31.03.2010 1 31.03.2010
(Audited) (Audited) (Audited)

263293 1204233 1026458

12950493 15326846 12950493

5707 25388 22767

781456 1012999 781456

269000 1229621 1049225

13731949 16339845 13731949

(Rs. in
Lakh)
As on
31.03.2010

(Audited)

 1699 36
 3511 18
122415 55
 6263 84
 3429 56
137319 49

 7242 73

  861 60
43521 43
82504 53
  710 04
 2479 16
137319 49