FINANCIAL RESULTS FOR THE THREE MONTHS/YEAR ENDED 31ST MARCH 2009 [Rs.

in Lakhs] Particulars 3 months ended 31.03.2009 47300 34491 9868 2941 3 months Year Ended Year Ended ended 31.03.2009 31.03.2008 31.03.2008 Audited Audited 35804 168692 129124 27307 7748 749 127090 35881 5721 96057 27271 5796

1. Interest earned (a) + (b) +(c) +(d) (a) Interest/discount on advances/bills (b) Income on investments (c) Interest on balances with Reserve Bank of India and other inter-bank funds (d) Others 2. Other Income 3. Total income (1+2) 4. Interest expended 5. Operating Expenses (i) + (ii) (i) Employees cost (ii) Other operating expenses 6. Total expenditure (4)+ (5) excluding provisions & contingencies 7. Operating Profit before provisions and contingencies (3) - (6) 8.Provisions (other than tax) and contingencies 9.Exceptional Items 10. Profit from Ordinary Activities before tax (7)-(8)-(9)

4429 51729 32496 9616 6951 2665 42112

3249 39053 25324 5329 3123 2206 30653

16427 185119 116404 32848 21418 11430 149252

14258 143382 91510 24537 14635 9902 116047

9617

8400

35867

27335

1445 8172

1635 6765

5730 30137

3890 270 23175

11.Tax expense - Current Tax - Deferred Tax - Fringe Benefit Tax 12.Net Profit from Ordinary Activities after tax (10)-(11) 13. Extra ordinary items (Net of Tax Expense) 14. Net Profit for the period (12+13) 15. Paid up equity share capital (Face Value Rs.10) 16. Reserves excluding revaluation reserves 17. Analytical Ratios i)Percentage of shares held by Goverment of India ii) Capital Adequacy Ratio (%) a) BASEL I b) BASEL II iii)Earning Per Share (EPS) (a) Basic & Diluted EPS - before extraordinary items (Not annualised) (Rs.) @ (b) Basic & Diluted EPS - after extraordinary items (Not annualised) (Rs.) @ iv) NPA Ratios (a) Gross NPA Net NPA (b) % of Gross NPA % of Net NPA (c) Return on Assets 18. Public Shareholding - No.of Shares (in lakhs) - Percentage of shareholding

1290 1828 27 5027 5027 11301

267 2014 0 4484 4484 9041

8856 1731 75 19475 19475 11301 117259

4730 3243 40 15162 15162 9041 105181

Nil 13.89 14.76 4.45 *

Nil 13.80 NA 3.97 *

Nil 13.89 14.76 17.23

Nil 13.80 NA 15.02 #

4.45 *

3.97 *

17.23

15.02 #

26056 13431 2.18 1.13 0.26 *

18848 3397 1.78 0.33 0.29 *

26056 13431 2.18 1.13 1.09

18848 3397 1.78 0.33 1.01

1130 100%

904 100%

1130 100%

904 100%

19. Promoters and promoter group 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] (b) Non 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 NIL NIL NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NIL

# weighted average * Not annualised for three months period @ After considering Bonus Issue of shares in the ratio 1:4 Notes: 1. The above financial results for the year ended March 31, 2009 reviewed by the Audit Committee of the Board have been taken on record by the Board of Directors at their meeting held on April 30, 2009. The Board has recommended a dividend @ Rs. 3 per share of face value Rs.10/2. The working results have been arrived at after providing for Standard/Non performing assets as per RBI norms, provision for taxes and other necessary provisions. 3. Pending finalisation of industry level settlement of wage revision, a sum of Rs. 375 lakhs has been provided on an estimated basis during the three months [Rs. 2125 lakhs during the year] towards arrears and included under Employees' Cost. 4. Details of Investor complaints received and disposed off:

Pending at the beginning of the Quarter Received during the Quarter Redressed during the Quarter Pending at the end of the Quarter

Number 0 7 7 0

5. Previous period's/year's figures have been regrouped, wherever necessary to conform to the current period's classification. Segmentwise Results [Rs. in Lakhs] 3 months ended 31.03.2009 1. Segment Revenue a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking d) Other Banking Operations Total Less : Inter segment -Revenue Income from Operations 2. Segment Results Profit(+)/Loss(-) before tax and after interest from each segment a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking d) Other Banking Operations Total Less: unallocated expenditure 1420 51729 -51729 39053 441 39053 -185119 2697 185119 -143382 788 143382 13933 15861 20515 3 months ended 31.03.2008 9816 -753 29549 Year Ended 31.03.2009 Audited 46886 50119 85417 Year Ended 31.03.2008 Audited 38562 22431 81601

-2473 3394 7087 1164 9172 1000

-584 -1654 8635 368 6765 0

-2759 4534 27144 2218 31137 1000

3020 -6621 26125 651 23175 0

Profit Before Tax 3.Capital Employed a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking d) Other Banking Operations Total

8172 607520 544989 640298 -1792807 --

6765 467672 395630 650045 -1513347

30137 607520 544989 640298 -1792807

23175 467672 395630 650045 1513347

By order of the Board DR. V. A. JOSEPH (MD & CEO) Thrissur April 30,2009