NOTES :
                      
1.    Financial results have been prepared following generally the same Accounting Policies as those followed in preparation of financial statements for the year ended 31^st March 2004.
2.    The working results for the quarter ended 31.12.2004, have been arrived at after considering provision for (i)  NPAs  & Standard  Assets   (ii) Additional      provision for NPAs (iii)  terminal benefits   to  employees  (iv) diminution in the value of investments (v) amortisation  of VRS expenditure (vi) proposed wage revision, income tax, deferred tax and other contingencies etc., on estimated basis.
3.    Reconciliation of entries outstanding as on 31.12.2004 in Inter Bank/ Inter Branch and other accounts are in progress and in the opinion of the management, consequential impact thereof on revenue/assets/liabilities is not material.
4.     The position of Investors complaints for the quarter ended 31.12.2004 is  :  Complaints pending at the beginning of quarter  -   Nil,  received  & disposed off  during the quarter  - 44 ,  pending at the end of quarter  -   NIL .
5.    The  above results  have been taken on record by the Board  of  Directors  on 31st January,  2005.                               
6.    The above results for the quarter ended December 2004 have been reviewed by the Auditors of the Bank, as per the listing agreement with the stock exchanges.                   
7.    Corresponding  figures have been regrouped/ reclassified, wherever necessary, to make them comparable with current  results.