1.  Capital commitments Rs. 249 Lakhs (Previous Year - Rs. 774 Lakhs).
 
 2.  Derivatives
 
 The bank uses forward exchange contract to hedge against its foreign
 currency exposures relating to the underlying transaction and firm
 commitments. The bank has not entered into any derivative instruments
 for trading/speculative purposes either in foreign exchange or domestic
 treasury operations.
 
 3.  Asset quality
 
 i) In terms of Agricultural Debt Waiver and Debt Relief Scheme 2008,
 framed by the Government of India, the bank had received Rs. 313 Lakhs
 from RBI on account of loans to small and marginal farmers out of the
 amount eligible for debt waiver of Rs. 435 Lakhs during FY 2010. The
 balance amount of Rs. 122 Lakhs had been shown as receivables and
 clubbed under the head Advances as on March 31, 2010. The amount of
 Rs. 122 Lakhs was also received from RBI during 2010-11 and hence
 receivable from RBI in this regard as at March 31, 2011 is Rs. Nil.
 
 The position with reference to Agricultural Debt Relief Scheme is as
 under:
 
 Claim pertaining, to Debt Relief Scheme arising till December 31, 2009
 of Rs. 16 Lakhs, which was pending receipt from Government of India,
 was subsequently received from Reserve Bank of India during 2010-11.
 
 Additional claim amount of Rs. 2.20 Lakhs pertaining to the extended
 period of the Debt Relief Scheme from January 1,2010 to June 30, 2010
 is due from Government of India under Agricultural Debt Relief Scheme
 2008 (clubbed under head advances)
 
 4.  Details of single borrower limit, group borrower limit exceeded by
 the bank
 
 The bank has not exceeded single borrower limit or group borrower limit
 during the year.
 
 5.  No penalty has been imposed during the year 2010-11 by RBI.
 
 6.  Disclosure of letter of comforts (Iocs) issued by the bank
 
 The Bank has not issued any Letter of Comfort during the year ended
 March 31, 2011.
 
 7.  Employee stock option plan
 
 On May 11, 2010, 20,000 options were issued at an exercise price of Rs.
 144.70 to new joiners in addition to 3,979,225 options granted on
 August 6, 2009 to employees under two different plans at a uniform
 option price of Rs. 118.35. Out of the above, 20,149 shares were
 exercised during the current year. Options granted to the employees
 under the first plan (Existing Employees - ESOP) shall vest at the
 rate of 30%, 30% and 40% on each successive anniversary of the grant
 date. Options granted to the employees under the second plan (Joining
 Employees - JESOP) shall vest after completion of 12 month Rs. from
 the date of grant. Further, all the option granted to Joining
 Employees under the scheme shall be subject to a lock in period of
 twenty four months from date of vesting of options under this scheme.
 
 Notes:
 
 a) The Compensation Committee has granted a total of 3,999,225 options
 convertible into 3,999,225 Equity Shares which represents 6.24% of the
 paid up share capital of the Bank. The fair market value one day before
 the date of grant is Rs. 118.35 which is also the exercise price of the
 Option.
 
 b) The Bank accounts for Employee Share Based Payments using the fair
 value method.
 
 8.  Employee benefits (Accounting Standard -15)
 
 The summarized position of various defined benefits recognized in the
 profit and loss account and balance sheet along with the funded status
 are as under:
 
 F.  Actuarial assumptions
 
 Note :-
 
 Consequent on the reopening of the pension option and enhancement of
 the gratuity limit following the amendments to payment of gratuity act
 1972, RBI has allowed amortization of the additional expenses over a
 period of five years beginning with the financial year ending March 31,
 2011 subject to a minimum of 1/5th of the total amount involved every
 year. Out of the total liability of 25.54 crores arising on account of
 above mentioned amendments, Rs. 5.11 crores has been charged to the
 Profit and Loss account in the current year and the balance
 unrecognized portion shall be amortized with in next four years
 
 9.  Segment reporting (AS-17)
 
 The Bank has recognized Business segments as primary reporting segment
 and Geographical segments as secondary segment in line with RBI
 guidelines on compliance with Accounting Standard 17.
 
 I.  Primary Segments: Business segments.
 
 a) Treasury Operations
 
 b) Corporate/Wholesale Banking
 
 c) Retail banking
 
 d) Other banking business operations
 
 II.  Secondary Segments: Geographical segments.
 
 Since the Bank is having domestic operations only, no reporting does
 arise under this segment.
 
 10.  Particulars of related party transactions (AS-18)
 
 Particulars                 March 31,2011           March 31, 2010
 
 a) Key Management personnel Mr. Amitabh Chaturvedi, Mr. Amitabh
                                                     Chaturvedi,
 
 b) Nature of transaction:   Managing Director and 
                             Chief                   Managing Director
                                                     and Chief 
 Remuneration (including     Executive Officer       Executive Officer
 perquisites)                Rs. 5,371,000           Rs. 3,600,000
 
 
 11.  Miscellaneous income under schedule 14 includes Rs. 3,000 Lakhs
 being Commitment Fee received from M/s. Bajaj Allianz Life Insurance
 Company with whom the Bank has entered into agency agreement for life
 and general insurance. (Previous Year Rs. 2,700 Lakhs)
 
 12.  The declaration of dividend is subject to RBI approval.
 
 13.  Previous Years figures are regrouped/rearranged wherever necessary
 to conform to current years classification.