1.1.1 Revenue recognition
 
 Revenue is recognized to the extent it is probable that the economic
 benefits will fow to the Bank and the revenue can be reliably measured.
 
 - Interest income is recognized in the Profit and loss account on
 accrual basis, except in the case of non-performing assets.  Interest
 on non-performing assets is recognized upon realization as per the
 prudential norms of the RBI.
 
 - Revenue in certain structured transactions where interest income is
 partially receivable in advance is recognized when due.
 
 - Dividend income is recognized when the right to receive payment is
 established.
 
 - Commission on guarantees issued by the Bank is recognized as income
 on yearly basis over the period of the guarantee, except for guarantee
 commission not exceedingRs. 100 thousands, which is recognized at the
 time of issue of the guarantee.
 
 - Commission on Letters of Credit (LC) issued by the Bank is
 recognized as income at the time of issue of the LC.
 
 - Income on discounted instruments is recognized over the tenure of the
 instrument on a straight line basis.
 
 - Revenue from financial advisory services is recognized in line with
 milestones achieved as per terms of agreement with clients.
 
 - Other fees and commission income are recognized on accrual basis.
 
 1.1.2 Investments
 
 Classification and valuation of the Banks investments are carried out
 in accordance with RBI Circular DBOD no. B P. BC.  18- 21.04.141-
 2010-11 dated July 1, 2010 and Fixed Income Money Market and Derivative
 association (FIMMDa) guidelines FIMCIR-2010-11-72-March 11, 2011.
 
 a) Accounting and Classification
 
 Investments are recognized using the value date basis of accounting. In
 compliance with RBI guidelines, all investments, are categorized as
 Held for trading (HFT), available for sale (aFs) or Held to
 maturity (HTM) at the time of its purchase.  For the purpose of
 disclosure in the balance sheet, investments are classifed as disclosed
 in schedule 8 (Investments) under six groups (a) government
 securities (b) other approved securities (c) shares (d) bonds and
 debentures (e) subsidiaries and joint ventures and (f) others.
 
 b) Cost of acquisition
 
 Costs such as brokerage pertaining to investments, paid at the time of
 acquisition are charged to the Profit and loss account.
 
 c) Basis of Classification securities that are held principally for
 resale within 90 days from the date of purchase are classifed under the
 HFT category.  Investments that the Bank intends to hold till maturity
 are classifed under the HTM category. securities which are not
 classifed in the above categories are classifed under the aFs category.
 
 d) Transfer between categories
 
 ReClassification of investments from one category to the other, if done,
 is in accordance with RBI guidelines. Transfer of scrips from aFs - HFT
 category to HTM category is made at the lower of book value or market
 value. In the case of transfer of securities from HTM to aFs - HFT
 category, the investments held under HTM at a discount is transferred
 to aFs - HFT category at the aquisition price and investments placed in
 the HTM category at a premium is transferred to aFs - HFT at the
 amortized cost.
 
 Transfer of investments from aFs to HFT or vice a versa is done at the
 book value. Depreciation carried, if any, on such investments is also
 transferred from one category to another.
 
 e) Valuation
 
 Investments categorized under aFs and HFT categories are marked to
 market on a periodical basis as per relevant RBI guidelines.  net
 depreciation, if any, in any Classification mentioned in schedule 8
 (Investments) is recognized in the Profit and loss account.  The net
 appreciation if any, under each Classification is ignored, except to the
 extent of depreciation previously provided. The book value of
 individual securities is not changed consequent to periodic valuation
 of investments.
 
 Investments classifed under the HTM category are carried at their
 acquisition cost and any premium over the face value, paid on
 acquisition, is amortised on a straight line basis over the remaining
 period to maturity. amortization expense of premia on investments in
 the Held to Maturity (HTM) category is deducted from interest income.
 Where in the opinion of management, a diminution, other than temporary
 in the value of investments classifed under HTM has taken place,
 suitable provisions are made.
 
 Treasury Bills, Commercial Paper and Certifcates of deposit being
 discounted instruments, are valued at carrying cost.
 
 The market-fair value applied for the purpose of periodical valuation
 of quoted investments included in the aFs and HFT categories is the
 market price of the scrip as available from the trades-quotes on the
 stock exchanges and for subsidiary General Ledger (sGL) account
 transactions, the prices as periodically declared by Primary Dealers
 association of India jointly with FIMMDa.
 
 The market-fair value of unquoted government securities included in the
 aFs and HFT category is determined as per the rates published by
 FIMMDa. Further, in the case of unquoted fixed income securities (other
 than government securities), valuation is carried out by applying an
 appropriate mark-up (refecting associated credit risk) over the Yield
 to Maturity (YTM) rates of government securities. such mark up and
 YTM rates applied are as per the relevant rates published by FIMMDa.
 
 Quoted equity shares are valued at their closing price on a recognized
 stock exchange. Unquoted equity shares are valued at the book value if
 the latest balance sheet is available, else, at Re. 1 per company, as
 per relevant RBI guidelines.
 
 At the end of each reporting period, security receipts issued by the
 asset reconstruction company are valued in accordance with the
 guidelines applicable to such instruments, prescribed by RBI from time
 to time. accordingly, in cases where the cash fows from security
 receipts issued by the asset reconstruction company are limited to the
 actual realization of the financial assets assigned to the instruments
 in the concerned scheme, the Bank reckons the net asset value obtained
 from the asset reconstruction company from time to time, for valuation
 of such investments at each reporting date.
 
 Mutual Fund units are valued at their net asset value on the reporting
 date.
 
 f) Accounting for repos-reverse repos
 
 Pursuant to Reserve Bank of Indias circular - RBI- 2009-2010- 356
 IDMD- 4135-11.08.43- 2009-10 dated March 23, 2010 on Uniform accounting
 for Repo-Reverse Repo Transactions, effective april 1, 2010, securities
 sold under agreements to repurchase (Repos) and securities purchased
 under agreements to resell (Reverse Repos) are treated as
 collateralized borrowing and lending transactions respectively. The
 frst leg of the repo transaction is contracted at the prevailing market
 rates. The difference between consideration amounts of frst and second
 (reversal of frst) leg refects interest and is recognized as interest
 income- expense over the period of transaction.
 
 For the year ended March 31, 2010 repurchase (repos) and reverse
 repurchase (reverse repos) transactions were accounted for on outright
 sale and outright purchase basis respectively in line with then
 applicable RBI guidelines. The difference between the clean price of
 frst leg and the clean price of the second leg is recognized as
 interest income-expense over the period of transaction.
 
 In respect of repo transactions under Liquidity adjustment Facility
 (LaF) with RBI, money borrowed from RBI are credited to borrowing
 account and reversed on maturity of the transaction. Costs thereon are
 accounted for as interest expense. In respect of reverse repo
 transactions under LaF, money paid to RBI are debited to lending
 account and reversed on maturity of the transaction. Revenues thereon
 are accounted as interest income.
 
 18.4.3 Advances
 
 advances are classifed as performing and non-performing based on the
 relevant RBI guidelines. advances are stated net of specific loan loss
 provisions, interest in suspense, export Credit Guarantee Corporation
 of India Limited (eCGC) claims received, inter-bank participation
 certifcates issued and bills rediscounted. specific loan loss provisions
 in respect of non-performing advances are made based on managements
 assessment of the degree of impairment of the advances, subject to the
 minimum provisioning level prescribed in relevant RBI guidelines.  as
 per the RBI guidelines a general provision is made on all standard
 advances based on the category of advances as prescribed in the said
 guidelines. The Bank also maintains additional general provisions on
 standard exposure based on the internal credit rating matrix. These
 provisions are included in schedule 5 - Other liabilities and
 provisions - Others.
 
 In addition to the provisions required according to the asset
 Classification status, provisions are made for individual country
 exposures (other than for home country exposure) in accordance with RBI
 guidelines. Countries are categorized into seven risk categories namely
 insignificant, low, moderate, high, very high, restricted and off-credit
 and provisioning is done in respect of that country where the net
 funded exposure is one percent or more of the Banks total assets.
 
 In respect of restructured standard and non-performing assets,
 provision is made for the present value of principal and interest
 component sacrifced at the time of restructuring the assets, based on
 the RBI guidelines.
 
 Amounts recovered against debts written off in earlier years and
 provisions no longer considered necessary based on the current status
 of the borrower are recognized in the Profit and loss account.
 
 1.1.3 Securitization transactions
 
 The Bank enters into securitization transactions wherein corporate
 loans are sold to a special Purpose Vehicle (sPV). These
 securitization transactions are accounted for in accordance with the
 RBI guidelines on securitization of standard assets.  securitized
 assets are derecognized upon sale if the Bank surrenders control over
 the contractual rights that comprise the financial asset and fulfls
 other conditions as per the applicable extant RBI guidelines.
 
 Gain on securitization is amortized over the life of the securities
 issued by the sPV. Losses are recognized immediately.  sales and
 transfers that do not meet the criteria for surrender of control are
 accounted for as secured borrowings.
 
 1.1.4 Transactions involving foreign exchange
 
 Monetary foreign currency assets and liabilities are translated at the
 balance sheet date at rates notifed by the Foreign exchange Dealers
 association of India (FeDaI). Foreign exchange contracts outstanding
 at the balance sheet date are marked to market at rates notifed by
 FeDaI for specifed maturities, suitably interpolated for in-between
 maturity contracts as specifed by FeDaI, and are stated at net present
 value based on LIBOR-sWaP curves of the respective currencies for
 contracts of maturities over 12 months (long-term forex contract). The
 resulting Profits or losses are recognized in the Profit and loss
 account.
 
 Premia-discounts on foreign exchange swaps, that are used to cover
 risks arising from foreign currency assets and liabilities, are
 amortized over the life of the swap.
 
 Income and expenditure in foreign currency are accounted for at
 exchange rates prevalent on the date of the transaction.
 
 In accordance with as 11 The effects of changes in Foreign exchange
 Rates, contingent liabilities in respect of outstanding foreign
 exchange forward contracts, derivatives, guarantees, endorsements and
 other obligations are stated at the exchange rates notifed by FeDaI
 corresponding to the balance sheet date.
 
 1.1.5 Earnings per share
 
 The Bank reports basic and diluted earnings per equity share in
 accordance with as 20, earnings per share prescribed by the Companies
 (accounting standards) Rules, 2006. Basic earnings per equity share
 have been computed by dividing net Profit for the year by the weighted
 average number of equity shares outstanding for the period.
 
 Diluted earnings per equity share have been computed using the weighted
 average number of equity shares and dilutive potential equity shares
 outstanding during the period except where the results are anti
 dilutive.
 
 1.1.6 Accounting for derivative transactions
 
 Derivative transactions comprise of forward rate agreements, swaps and
 option contracts. The Bank undertakes derivatives transactions for
 market making-trading and hedging on-balance sheet assets and
 liabilities. all market making-trading transactions are
 marked-to-market on a periodic basis and the resultant unrealized
 gains-losses are recognized in the Profit and loss account.
 
 Derivative transactions that are undertaken for hedging are accounted
 for on accrual basis except for the transaction designated with an
 asset or liability that is carried at market value or lower of cost or
 market value in the financial statements.
 
 The Bank follows the option premium accounting framework prescribed by
 FeDaI sPL - circular dated December 14, 2007.  Premium on option
 transaction is recognized into Profit and Loss on expiry or early
 termination of the transaction. Mark to Market gain-loss (adjusted for
 premium received-paid on option contracts) is recorded under Other
 Income.
 
 The amounts received-paid on cancellation of Option contracts are
 recognized as realized gains-losses on options. Charges receivable-
 payable on cancellation- termination of foreign exchange forward
 contracts and swaps are recognized as income- expense on the date of
 cancellation- termination under Other Income.
 
 The requirement for collateral and credit risk mitigation on derivative
 contracts is assessed based on internal credit policy.  Provisions for
 overdues, if any, are made as per the relevant RBI guidelines.
 
 As per the RBI guidelines on Prudential norms for Off-balance sheet
 exposures of Banks a general provision is made on the current gross
 marked to market gain of the contract for all outstanding interest rate
 and foreign exchange derivative transactions.
 
 1.1.7 Fixed assets
 
 Fixed assets are stated at cost less accumulated depreciation and
 provision for impairment. Cost comprises the purchase price and any
 cost attributable for bringing the asset to its working condition for
 its intended use.
 
 Fixed assets are reviewed for impairment whenever events or changes in
 circumstances indicate that the carrying amount of an asset may not be
 recoverable. Recoverability of assets to be held and used is measured
 by a comparison of the carrying amount of an asset with future net
 discounted cash fows expected to be generated by the asset. If such
 assets are considered to be impaired, the impairment is recognised by
 debiting the Profit and loss account and is measured as the amount by
 which the carrying amount of the assets exceeds the fair value of the
 assets.
 
 1.1.7 Retirement and employee benefits
 
 Leave salary
 
 The employees of the Bank are entitled to carry forward a part of their
 unavailed-unutilized leave subject to a maximum limit.  The employees
 cannot encash unavailed-unutilized leave. The Bank has computed the
 leave compensated absence provision as per revised as 15 – employee
 benefits. The Bank accounts for the liability for compensated absence
 benefits using the Projected unit cost method based on annual acturial
 valuation.
 
 Gratuity
 
 The Bank provides for gratuity, a defned beneft retirement plan,
 covering eligible employees. The plan provides for lump sum payments to
 vested employees at retirement or upon death while in employment or on
 termination of employment for an amount equivalent to 15 days eligible
 salary payable for each completed year of service if the service is
 more than 5 years. The Bank accounts for the liability for future
 gratuity benefits using the projected unit cost method based on annual
 actuarial valuation.
 
 The Bank recognizes the actuarial gains and losses during the year in
 which the same are incurred.
 
 Provident fund
 
 In accordance with law, all employees of the Bank are entitled to
 receive benefits under the provident fund, a defned contribution plan in
 which both the employee and the Bank contribute monthly at a pre
 determined rate. The Bank has no liability for future provident fund
 benefits other than its annual contribution and recognizes such
 contributions as an expense in the year incurred.
 
 1.1.8 Leases
 
 Leases where the lessor effectively retains substantially all risks and
 benefits of ownership are classifed as operating leases.  Operating
 lease payments are recognized as an expense in the Profit and loss
 account on a straight line basis over the lease term.
 
 1.1.9 Income taxes
 
 Income tax expense comprises current tax provision (i.e. the amount of
 tax for the period determined in accordance with the Income Ta x act,
 1961 and the rules framed thereunder) and the net change in the
 deferred tax asset or liability in the year.  Deferred tax assets and
 liabilities are recognized for the future tax consequences of timing
 differences between the carrying values of assets and liabilities and
 their respective tax bases, and operating loss carry forwards. Deferred
 tax assets and liabilities are measured using the enacted or
 substantively enacted tax rates at the balance sheet date.
 
 Deferred tax assets are recognized only to the extent there is
 reasonable certainty that the assets can be realized in future. In case
 of unabsorbed depreciation or carried forward loss under taxation laws,
 deferred tax assets are recognized only if there is virtual certainty
 of realization of such assets. Deferred tax assets are reviewed at each
 balance sheet date and appropriately adjusted to refect the amount that
 is reasonably-virtually certain to be realized.
 
 1.1.10 Provisions and contingent assets-liabilities
 
 The Bank creates a provision when there is a present obligation as a
 result of a past event that probably requires an outfow of resources
 and a reliable estimate can be made of the amount of the obligation. a
 disclosure for contingent liability is made when there is a possible
 obligation or a present obligation that may but probably will not
 require an outfow of resources. When there is a possible obligation or
 a present obligation in respect of which the likelihood of outfow of
 resources is remote, no provision or disclosure is made.
 
 Provisions are reviewed at each balance sheet date and adjusted to
 refect the current best estimate. If it is no longer probable that an
 outfow of resources would be required to settle the obligation, the
 provision is reversed.
 
 Contingent assets are not recognized in the financial statements.
 However, contingent assets are assessed continually and if it is
 virtually certain that an infow of economic benefits will arise, the
 asset and related income are recognized in the period in which the
 change occurs.
 
 1.1.11 Employee Stock Compensation Cost
 
 Measurement of the employee share-based payment plans is done in
 accordance with the Guidance note on accounting for employee
 share-based Payments issued by Institute of Chartered accountants of
 India (ICaI) and seBI esop Guidelines 1999.  The Bank measures
 compensation cost relating to employee stock options using the
 intrinsic value method. Compensation cost is measured by the excess, if
 any, of the fair market price of the underlying stock (i.e. the last
 closing price on the stock exchange on the day preceding the date of
 grant of stock options) over the exercise price. The exercise price of
 the Banks stock option is the last closing price on the stock exchange
 on the day preceding the date of grant of stock options and accordingly
 there is no compensation cost under the intrinsic value method.
 
 1.2 Statutory disclosures as per RBI
 
 1.2.1 Capital
 
 1.2.1.1 Equity Issue
 
 During the financial year ended March 31, 2011, the Bank has issued
 7,479,855 shares pursuant to the exercise of stock option aggregating
 to Rs. 840,738 thousands.
 
 During the financial year ended March 31, 2011, the Bank has charged to
 share Premium account, an amount of Rs. 54,447 thousands on account of
 the possible disallowance of tax beneft on certain expenses incurred in
 the financial year ended March 31, 2006, in connection with the Initial
 Public Offering. In the financial year ended March 31, 2006, these
 expenses were charged net of taxes to the share premium account.
 
 During the financial year ended March 31, 2010 the Bank had issued
 38,362,709 equity shares of Rs. 10 each for cash pursuant to a Qualified
 Institutions Placement (QIP) at Rs. 269.50 aggregating to Rs. 10,338,750
 thousands. The Bank also issued 4,325,630 shares pursuant to the
 exercise of stock option aggregating to Rs. 279,355 thousands. The Bank
 accreted Rs. 10,045,157 thousands (net of share issue expenses of Rs.
 146,065 thousands) as premium, on the QIP and stock options excercised.
 
 1.2.1.2 Capital Reserve
 
 Profit on sale of investments in the HTM category is credited to the
 Profit and loss account and thereafter appropriated to capital reserve
 (net of applicable taxes and transfer to statutory reserve
 requirements). During the year Rs. 19,924 thousands (previous year: Rs.
 315,182 thousands) was transferred to capital reserve.
 
 1.2.1.3 Investment Reserve
 
 The Bank has transferred Rs. 137 thousands (Previous year: Rs. nil )
 towards Investment Reserve on provisions for depreciation on
 investments credited to Profit and loss account.
 
 1.2.1.2 Unhedged-uncovered foreign currency exposure
 
 The Banks foreign currency exposures as at March 31, 2011 that are not
 hedged-covered by either derivative instruments or otherwise are within
 the net Overnight Open Position limit (nOOP) and the aggregate Gap
 limit, as approved by the RBI.  nOOP at March 31, 2011 is Rs. 423,481
 thousands (March 31, 2010: Rs. 281,577 thousands).
 
 1.2.1.3 Exchange Traded Interest Rate Derivatives
 
 The Bank has not dealt in exchange traded interest rate derivatives
 during the financial year ended March 31, 2011 (Previous Year: nIL)
 
 1.2.1.4 Currency Futures
 
 The bank had dealt in exchange traded currency Forwards (Futures)
 during the financial year ended March 31, 2011. as at March 2011, there
 were nIL open contracts. as at March 31, 2010 the open contracts on the
 exchange were to the tune of eURO 6,000,000 (InR 365,535,000) and GBP
 337,000 (InR 22,997,722) for april 2010 expiry.
 
 1.2.1.5 Disclosures on risk exposure in derivatives as per RBI Master
 circular RBI DBOD.BP.BC.no. 3- 21.04.018- 2010-11 dated July 1, 2010,
 the following disclosures are being made with respect to risk exposure
 in derivatives of the Bank:
 
 a) Purpose: The Bank uses Derivatives including forwards and swaps for
 various purposes viz. hedging its currency and interest rate risk in
 its balance sheet, customer offerings and proprietary trading. The
 management of these products and businesses is governed by the Market
 Risk Policy, Investment Policy, Derivatives Policy, Derivatives
 appropriateness Policy, Hedging Policy.
 
 b) structure: The Board of Directors of the Bank have constituted a
 Board level sub-committee, the Risk Monitoring Committee (RMC) and
 delegated to it all functions and responsibilities relating to the risk
 management policy of the Bank and its supervision thereof.
 
 c) as part of prudent business and risk management practice, the Bank
 has also instituted a comprehensive limit and control structure
 encompassing Value-at-Risk (VaR), stop loss and portfolio credit limits
 for derivative transactions. The Bank has an elaborate internal
 reporting mechanism providing regular reports to the RMC.
 
 d) The Bank has an independent Middle Offce, which is responsible for
 monitoring, measurement and analysis of derivative related risks, among
 others. The Bank has a Credit Risk Management unit which is responsible
 for setting up counterparty limits and also a treasury operation unit
 which is responsible for managing operational aspects of derivatives
 control function and settlement of transactions. The Bank is subject to
 a concurrent audit for all treasury transactions, including
 derivatives, a monthly report of which is periodically submitted to the
 top management and audit and Compliance Committee of the Bank.
 
 e) In addition to the above, the Bank independently evaluates the
 potential credit exposure on account of all derivative transactions,
 wherein risk limits are specifed separately for each product, in terms
 of both credit exposure and tenor. as mandated by the Credit Policy of
 the Bank, the Bank has instituted an approval structure for all
 treasury-derivative related credit exposures.  Wherever necessary,
 appropriate credit covenants are stipulated as trigger events to call
 for collaterals or terminate a transaction and contain the risk.
 
 f) The Bank reports all trading positions to the management on a daily
 basis. The Bank revalues its trading position on a daily basis for
 Management and Information system (MIs) and control purposes and
 records the same in the books of accounts on a monthly basis.
 
 g) For derivative contracts in the banking book designated as hedge,
 the Bank documents at the inception of the relationship between the
 hedging instrument and the hedged item, the risk management objective
 for undertaking the hedge.
 
 h) Refer note 18.4.7 for accounting policy on derivatives.
 
 1.2.6 Asset quality
 
 1.2.6.1 Provision coverage Ratio
 
 The provision coverage ratio of the Bank as at March 31, 2011 computed
 as per the the RBI circular dated December 1, 2009 is 88.63% (previous
 year 78.43%) (excluding technical write-offs).
 
 1.2.6.2 Concentration of NPAs
 
 exposure (Funded + non Funded) of the Bank to top four nPa is Rs. 575,899
 thousands (previous year Rs. 473,980 thousands) and the Bank has provided
 for Rs. 520,468 thousands (previous year Rs. 382,114 thousands) for the
 same.
 
 1.2.7 Financial assets sold to Securitization-Reconstruction Company
 for Asset Reconstruction
 
 The Bank has not sold any financial assets to
 securitization-Reconstruction Company for asset reconstruction during
 year ended March 31, 2011 and March 31, 2010.
 
 1.2.8 Non-performing financial assets purchased- sold from- to other
 Bank
 
 The Bank has not purchased-sold any non performing financial assets
 from-to Bank during the year ended March 31, 2011 and March 31, 2010.
 
 1.2.9 Provisions for Standard Assets
 
 Provision on standard advances is Rs. 1,700,838 thousands and Rs. 1,179,863
 thousands as at March 31, 2011 and 2010 respectively.
 
 1.3.0 Asset Liability Management
 
 Maturity pattern of certain items of assets and liabilities
 
 In compiling the information of maturity pattern (refer 18.5.11 (a),
 (b), (c) and (d) below), estimates and assumptions have been made by
 the management.
 
 Assets and liabilities in foreign currency exclude off-balance sheet
 assets and liabilities.
 
 1.3.1 Exposures
 
 The Bank has lending to sectors, which are sensitive to asset price
 fuctuations. such sectors include capital market, real estate and
 commodities.
 
 1.4 Miscellaneous
 
 1.4.1 Disclosure of penalties imposed by RBI no penalties have been
 imposed by RBI on the Bank during the financial year 2010-11 (previous
 year: Rs. nil).
 
 The Bank does not have any bouncing of securitites general ledger and
 has not incurred any penalty for sGL bouncing in the financial year
 ended March 31, 2011.
 
 1.4.2 Fees- Remuneration received from bancassurance
 
 Bank has earned Rs. 128,171 thousands from bancassurance business during
 year ended March 31, 2011 (previous year: Rs. 112,293 thousands).
 
 1.4.3 Concentration of Deposits
 
 as at March 31, 2011 the deposits of top 20 depositors aggregated to Rs.
 86,204,381 thousands (previous year: Rs. 50,416,139 thousands) (excluding
 certifcate of deposits, which are tradable instruments), representing
 18.76% (previous year: 18.81%) of the total deposit base.
 
 1.4.4 Concentration of advances
 
 as at March 31, 2011 the top 20 advances aggregated to Rs. 105,461,474
 thousands (previous year Rs. 72,725,550 thousands), representing 14.06%
 (previous year 15.91%) of the total advances. For this purpose, advance
 is computed as per defnition of Credit exposure in RBI Master Circular
 on exposure norms DBOD. no. Dir. BC.14- 13.03.00-2010-11 dated July 1,
 2010.
 
 1.4.5 Concentration of exposures as at March 31, 2011 the top 20
 exposures aggregated to Rs. 126,910,027 thousands (previous year Rs.
 72,725,550 thousands), representing 15.29% (previous year 14.80%) of
 the total exposures. exposure is computed as per defnition of Credit
 and Investment exposure in RBI Master Circular on exposure norms DBOD.
 no. Dir. BC.14- 13.03.00-2010-11 dated July 1, 2010.
 
 1.4.6 Overseas assets, nPas and Revenue For the year ended March 31,
 2011 and March 31, 2010, the Bank does not have any overseas revenue.
 The Bank does not have any overseas assets or nPa as at March 31, 2011
 and March 31, 2010.
 
 1.4.7 sponsored sPVs
 
 The Bank has not sponsored any sPV and hence there is no consolidation
 in Banks books.