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Sr.

PARTICULARS

       YEAR ENDED

31.03.10

(AUDITED)

 YEAR ENDED

31.03.09

(AUDITED)

1

Interest Earned

22408.34

20910.91

2

Other Income

1638.33

1037.92

A) TOTAL INCOME (1+2)

24046.67

21948.83

3

Interest Expended

13058.61

11639.97

4

Operating Expenses

4478.58

3895.03

B) TOTAL EXPENDITURE (3+4)

 (Excluding Provisions & Contingencies)

17537.19

15535.00

C) OPERATING PROFIT (A-B)

     (Before transfer of Securities from   

     AFS to HTM and provisions &    

     contingencies)

6509.48

6413.83

5

Loss on transfer of securities from AFS to HTM

0

0

D) Operating profit (C-5)

6509.48

6413.83

6

Provisions & Contingencies

37.00

641.21

7

Provisions for Taxes

2135.00

2170.00

E) NET PROFIT AFTER TAX (D-6-7)

4337.48

3602.62

8

Paid up Equity Share capital

(Face Value of Rs.10/= each)

4500.00

3000.00

9

Reserves excluding revaluation reserves

19290.23

14340.29

10

Total paid up capital + Reserves

23790.23

17340.29

11

Analytical Ratios

i)    % of Shares held by Bank of

       Baroda

98.39

98.39

ii a)    Capital Adequacy Ratio (%) Basel-I

15.53

13.89

ii b)    Capital Adequacy Ratio (%) Basel-II

15.68

13.10

iii)   Earning per Share in Rs.

        (annualized)

11.41

12.01

iv) a) Amount of gross Non Performing Assets

2342.13

1898.14

      b) Amount of net Non Performing Assets

0

0

      c) % of gross NPAs to Gross Advances

1.81%

1.67%

      d) % of net NPAs to net Advances

0

0

v)   Return on Assets    (annualized)%

1.73

1.68

vi)    CD Ratio(Advances/Deposits)

51.74

53.29

vii)   Deposits Growth

17.31

19.40

viii)  Advances Growth

13.87

13.71