(Rupees in lakh)

• For the purpose of segment reporting in terms of AS-17 of the ICAI, the business of the Bank has been classified into two segments a) Treasury Operations and b) Other Banking Operations
• Since the Bank does not have any Overseas branch, reporting under geographic segment has not been done.
• Expenses, assets and liabilities wherever directly related to segments have been accordingly allocated to segments and wherever not directly related have been allocated on the basis of average operating assets.

NOTES:

1. The above results have been subjected to limited review by the Statutory Central Auditors and were taken on record by the Board of Directors of the Bank at its meeting held on 22.01.2008.
2. Working results for the nine months ended 31.12.2007 have been arrived at after making necessary provisions. 
3. The Bank has adopted revised Accounting Standard 15 – ‘Employee Benefits’ issued by The Institute of Chartered Accountants of India, with effect from 01-04-2007. Transitional liability of Rs.4.76 crore on account of short term employee benefits up to 31-03-2007 has been adjusted against the opening Revenue Reserves of the Bank.
4. In accordance with the bank’s policy, the bank’s premises have been revalued as on 1 ^st April 2007 resulting in increase in value by Rs.333.87 crore, which has been given effect and credited to Revaluation Reserve during the period.
5. The figures of the previous period/year have been re-grouped and re-classified wherever necessary. 
6. The number of shareholders' complaints pending is Nil. Number of complaints received and resolved during the quarter are 590.