AUDITED FINANCIAL RESULTS FOR THE YEAR ENDED 31ST MARCH 2012 3 months ended 31.03.2012 31.12.

2011 99386 80327 16439 2620 8250 107636 70930 20403 12806 7597 91333 16303 1233 15070 4475 (1600) 12195 12195 11337 94361 75296 16115 2950 5986 100347 67017 15430 8931 6499 82447 17900 2219 15681 5769 (312) 10224 10224 11301 [` in Lakhs] Year Ended 31.03.2012 31.03.2011 Audited Audited 358343 244601 286808 193002 62111 48151 9424 6048 76419 48208 12892 7589 5303 61100 15319 2641 12678 3783 718 8177 8177 11301 40165 11337 190949 Nil 11.64 14.00 1.08 1.06 26716 7651 0.97 0.28 1.27 11337 100%
* *

Particulars 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) 11.Tax expense - Current Tax - Deferred Tax (net) 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 ` 1) 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 EPS - before and after Extraordinary items (`) (b) Diluted EPS - before and after Extraordinary items (`) iv) NPA Ratios (a) Gross NPA Net NPA (b) % of Gross NPA % of Net NPA v) Return on Assets (Annualised) 18. Public Shareholding - No.of Shares (in lakhs) - Percentage of shareholding 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] * Not annualised

31.03.2011 70371 55666 13236 1469

3448 19669 264270 165492 46254 28982 17272 211746 52524 7975 44549 14650 643 29256 29256 11301 158053 Nil 13.17 14.01 2.59 2.58 23034 6002 1.11 0.29 1.05 11301 100% -

24707 383050 256169 61729 37411 24318 317898 65152 7918 57234 19728 (2659) 40165

Nil 10.91 12.03 0.90 0.90 23422 5813 0.94 0.24 1.11 11301 100%
* *

Nil 13.17 14.01 0.72 0.72 23034 6002 1.11 0.29 1.08 11301 100%
* *

Nil 11.64 14.00 3.55 3.50 26716 7651 0.97 0.28 1.12 11337 100%

NIL NIL NIL NIL NIL NIL

NIL NIL NIL NIL NIL NIL

NIL NIL NIL NIL NIL NIL

NIL NIL NIL NIL NIL NIL

NIL NIL NIL NIL NIL NIL

Segmentwise Results
31.03.2012 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 Profit Before Tax 3. Capital Employed a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking d) Other Banking Operations e) Unallocated Total Notes: 1. Statement of Assets and Liabilities as on 31st March 2012 is given below: [` in Lakhs] As at 3103.2012 31.03.2011 Audited Audited CAPITAL AND LIABILITIES Capital Share application money received pending allotment Employees Stock Option Outstanding Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions Total ASSETS Cash and Balances with Reserve Bank of India Balances with Banks and money at call & short notice Investments Advances Fixed Assets Other Assets Total 157184 106870 939987 2728074 37750 67140 4037005 182819 63793 892377 2048873 35685 58476 3282023 11337 1 290 205411 3650053 58819 111094 4037005 212 173215 2972108 29035 96152 3282023 11301 3 months ended 31.12.2011 31.03.2011 [` in Lakhs] Year Ended 31.03.2012 31.03.2011 Audited Audited 78438 133803 166022 4787 383050 383050 57366 88208 114794 3902 264270 264270

20564 39187 46633 1252 107636 107636

20522 34477 43581 1767 100347 100347

16487 25868 32832 1232 76419 76419

1412 (3490) 15889 1259 15070 15070 57209 71537 63303 24701 216750

605 1383 12428 1265 15681 15681 57657 64408 65692 24211 211968

(2337) 6016 9526 973 14178 1500 12678 56651 51138 53954 22773 184516

(1187) 7725 46781 3915 57234 57234 57209 71537 63303 24701 216750

(3848) 14275 32987 3135 46549 2000 44549 56651 51138 53954 22773 184516

2. The above audited financial results for the year ended March 31, 2012 reviewed by the Audit Committee and have been approved the Board of

Directors at their meeting held on May 07, 2012.

3. The financial results have been arrived at after providing for Standard/Non performing assets as per RBI norms, Taxes and other necessary

provisions.
4. The Reserve Bank of India vide its letter dated April 8, 2011 has permitted the bank to amortize over a period of five years, beginning with the

financial year ended March 31, 2011, the additional liability of ` 156.53 Crores on account of reopening of pension option and enhancement in gratuity limit to its existing employees. Accordingly, the results for the quarter/year ended March 31, 2012 are after considering a provision of `12.12 Crore/ ` 40.91 Crores being the proportionate charge for the quarter/year towards the deferred pension and gratuity costs and the balance unamortized deferred expenditure is ` 84.31 Crores.
5. The Board of Directors have recommedned a dividend of ` 0.60 per share (60%) for the year ended March 31, 2012 (Previous year ` 0.50 per

share (50%)), subject to Approval of the members in the ensuing Annual General Meeting.
6. The Provision coverage ratio as on 31.03.2012 stands at 71.36%. 7. Details of Investor complaints received and disposed off:
Complaints at the beginning of the quarter 0 Received during the quarter 37 Redressed during the quarter 37 Unresolved as on March 31, 0

8 Previous period's/year's figures have been regrouped, wherever necessary to conform to the current period's classification.

Kochi May 7, 2012

DR. V. A. JOSEPH (MD & CEO)