1. Financial Results for the Quarter / Nine months ended December 2009

2. Milestone crossed… Deposits crossed Rs.8800 crs Advances around Rs.6100 crs Networth crossed Rs.810 crs Gross Profit - Rs.182 crs for 9 months period Gross NPA – 1.99% Net NPA – 1.09%

3. (Rs in Crs)31/12/200931/12/2008Quantum(%) DEPOSITS8857.117277.781579.3322% ADVANCES6096.735170.88925.8518% CD RATIO69%71% GROSS PROFIT182.21165.5516.6610% NET PROFIT117.9596.0221.9323% C.R.A.R. – Basel I13.69%13.43% – Basel II14.66%13.46% GROSS NPA121.46117.13 GROSS NPA (%)1.99%2.27% NET NPA65.6063.44 NET NPA (%)1.09%1.24% PERFORMANCE (YoY)

4. (Rs in Crs)31/12/200930/09/2009Quantum(%) DEPOSITS8857.118933.24-76.13-1% ADVANCES6096.735805.80290.935% CD RATIO69%65% GROSS PROFIT70.9064.056.8511% NET PROFIT40.6545.75-5.10-11% C.R.A.R. – Basel I13.69%13.16% – Basel II14.66%14.08% GROSS NPA121.46115.42 GROSS NPA (%)1.99% NET NPA65.6066.61 NET NPA (%)1.09%1.16% PERFORMANCE (Q3 10 – Q2 10)

5. NET WORTH (Rs in Cr)Dec-08Mar-09Sep-09Dec-09 Capital32.00 38.81 Reserves & Surplus630.88628.92706.22779.52 Net Worth662.88660.92738.22818.33 During the Third Quarter, we have issued 8 crores equity shares on rights basis to our Shareholders in the ratio of 1 : 4 (partly and fully paid up).

6. CAPITAL ADEQUACY (Rs in Crs)Dec-08Mar-09Sep-09Dec-09 Tier I Capital649.82644.45718.65797.93 Tier I Capital (%)12.18%11.30%11.99%12.62% Tier II Capital66.5467.8570.0267.85 Tier II Capital (%)1.24%1.19%1.17%1.07% CRAR – Basel I13.43%12.49%13.16%13.69% – Basel II13.46%12.69%14.08%14.66%

7. FINANCIAL RESULTS – QUARTER / NINE MONTHS Particulars (Rs in Crs) Q3 FY 10Q3 FY 09Growth 9M FY 109M FY 09 Growth Interest Income242.57206.4917%706.51585.0821% Other Income36.0140.16-10%111.2887.4127% Total Income278.58246.6513%817.79672.4922% Interest Expense167.29143.2617%515.85402.2228% Establishment Exp19.2119.130%59.7450.4618% Other Expenses21.1819.568%59.9954.2611% Total Expenses207.68181.9514%635.59506.9425% Net Int Income75.2863.2319%190.66182.864% Operating Profit70.9064.7010%182.21165.5510% Prov & Contingencies30.2532.57-7%64.2669.53-8% Net Profit40.6532.1327%117.9596.0223%

8. THANK YOU