A : OTHER DISCLOSURES
 
 1.  Fixed Assets
 
 Premises of the Bank were revalued as on 31.03.2011 in accordance with
 the policy formulated by the Bank based on RBI guidelines in this
 regard. The revaluation was done by professionally qualified
 independent valuers empanelled by the Bank. The written down value of 
 the premises has been increased from Rs. 192.31 Crore to Rs. 326.18 
 Crore and the resultant appreciation in value amounting to Rs. 133.87 
 Crore has been credited to Revaluation Reserve.
 
 2.  Accounting for Employee Share Based Payments
 
 The Shareholders of the Bank approved Employees Stock Option Scheme
 (ESOS) 2008 on August 18, 2008.  Under the terms of the scheme, the
 Bank had granted Stock Options equivalent to 30,72,500 Equity Shares to
 the Employees of the Bank on 21–11–2009 and 510500 Equity Shares on
 21–10–2010. Compensation Committee of the Board (CCB) granted the
 options on November 21, 2009 and October 21, 2010 at a discount of 10%
 on the closing price of the shares quoted on NSE on November 20, 2009
 and October 20, 2010 respectively.  The Bank had elected to use
 intrinsic value method to account the compensation cost of ESOS.
 Intrinsic value is the amount by which the quoted market price of the
 underlying share exceeds the exercise price of the option.
 
 3.  Related party disclosure
 
 a) Key Management Personnel
 
 Dr. V. A. Joseph, Managing Director & Chief Executive Officer.
 
 b) Gross Remuneration paid Rs. 54.15 Lakh (Previous year Gross Rs.
 41.58 Lakh).
 
 4.  Employee Benefits
 
 a) Retirement Benefits
 
 The employee benefits on account of pension, gratuity and Leave have
 been ascertained on actuarial valuation in accordance with Accounting
 Standard – 15 (revised).
 
 During the year, the Bank had re-opened the pension option for those
 employees who had joined the Bank prior to 29th September, 1995 and had
 not opted for the pension scheme earlier. Consequently, 2217 employees
 had exercised their option for the pension scheme and the bank has
 incurred an extra liability of Rs. 135.13 Crore.  Further, during the
 year the limit of gratuity payable to the employees of the bank was
 also enhanced from Rs. 3.50 Lakhs to Rs. 10.00 Lakhs, pursuant to the
 amendment to the Payment of Gratuity Act, 1972. As a result, the
 gratuity liability of the Bank has increased by Rs. 21.40 Crore. The
 extra cost of pension and gratuity to employees works out to Rs. 156.53
 Crore.
 
 In terms of the requirements of the Accounting Standard (AS) 15,
 Employee Benefits, the entire amount of Rs. 156.53 Crore is required to
 be charged to the Profit and loss account of the current year. However,
 in accordance with the circular issued by Reserve Bank of India vide
 reference number DBOD.BP.BC.80/21.04.018/2010–11 dated February 9,
 2011, and made applicable to our bank vide DBOD
 No.BP.BC.15896/21.04.018/2010–11 dated April 8, 2011, the Bank would
 amortise the amount of Rs. 156.53 Crore over a period of five years.
 Accordingly, Rs. 31.31 Crore (representing one-fifth of Rs. 156.53
 Crore) has been charged to the profit and loss account of the current
 year and the balance amount of Rs. 125.22 Crore has been carried
 forward for write off in next four years.  The liability arising on
 account of retired employees who exercised option for pension amounting
 to Rs. 3.88 Crore has been charged to the Profit and Loss Account of
 the current year.
 
 Had the above circular been not issued by the RBI, profit of the Bank
 would have been lower by Rs. 125.22 Crore
 
 g) Assumptions used by the actuary in accounting for gratuity, Pension
 and Compensation for Absence
 
 *Not available
 
 Notes:
 
 (i) Discount rate is based on the prevailing market yields of Indian
 Government securities as at the balance sheet date for the estimated
 term of obligations.
 
 (ii) Expected rate of return on plan assets is based on the average
 long term rate of return expected on investments of the funds during
 the estimated term of the obligations.
 
 (iii) The estimates of future salary increases, considered in actuarial
 valuation, take account the inflation, seniority, promotion and other
 relevant factors.
 
 h) Compensation for absence on Privilege / Sick / Casual Leave
 
 The charge on account of compensation for privilege / sick / casual
 leave, has been actuarially determined and a provision of Rs. 0.69
 Crore (Previous year excess provision Rs. 3.57 Crore credited) has
 debited to Profit and Loss account.
 
 (Note: The above information is as certified by Actuary and relied upon
 by Auditors.)
 
 5. The Bank has not received any intimation from Suppliers regarding
 their status under the Micro, Small and Medium Enterprises Development
 Act, 2006 and hence disclosures, if any, relating to amounts unpaid as
 at the year end together with interest paid/ payable as required under
 the said Act have not been given.
 
 6.  Description of contingent liabilities
 
 Sl.  Contingent liability *    Brief Description
 No.
 
 1    Claims not acknowledged   This includes liability on account 
                                of Income Tax, Service tax, and other 
      as debts                  legal cases fled against the bank.
                                The bank is a party to various legal
                                proceedings in the ordinary course of 
                                business and these are contested
                                by the Bank and are therefore subjudice.
                                The bank does not expect the
                                outcome of these proceedings to have a 
                                material adverse impact on the
                                banks financial position.
 
 2   Liability on account of    The bank enters into foreign exchange
                                contracts with inter bank 
     outstanding forward        participants on its own account and for
                                its customers. Forward exchange 
     contracts                  contracts are commitments to buy or 
                                sell foreign currency at a future
                                date at the contract rate.
 
 3   Guarantees on behalf of    As a part of banking activities, the
                                Bank issues Letter of Guarantees 
     constituents in India      on behalf of its customers. Guarantees 
                                generally represent irrevocable
                                assurances that the bank will make 
                                payments in the event of customer
                                failing to fulfill its financial or 
                                performance obligations.
 
 4   Acceptances, endorsements  As a part of banking activities, the 
                                Bank issues documentary credit 
     and other obligations      on behalf of its customers. Documentary
                                credits such as letters of
                                obligations, enhancing the credit 
                                standing of the customers of the bank
                                which generally represent irrevocable
                                assurances that the bank will
                                make payments in the event of 
                                customer failing to fulfill its 
                                financial obligations.
 
 5   Other items for which the  These include amounts which may become
                                payable in respect of capital 
     bank is contingently 
     liable                     commitments.
 
 * Also refer schedule – 12
 
 7.  Previous years figures have been regrouped / given in brackets,
 wherever necessary to conform to the current year classification.