Significant Accounting Policies 17 Notes forming Part of Accounts 18 Schedules referred to above form an integral part of Balance Sheet

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1 B A L A N C E S H E E T AS AT 31st MARCH 2008 Rs.000s omitted SCH. Rs. Rs. CAPITAL AND LIABILITIES CAPITAL RESERVES AND SURPLUS DEPOSITS BORROWINGS OTHER LIABILITIES AND PROVISIONS TOTAL ASSETS CASH AND BALANCES WITH RESERVE BANK OF INDIA BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE INVESTMENTS ADVANCES FIXED ASSETS OTHER ASSETS TOTAL CONTINGENT LIABILITIES BILLS FOR COLLECTION Significant Accounting Policies 17 Notes forming Part of Accounts 18 Schedules referred to above form an integral part of Balance Sheet P.L.Gairola Bhaskar Sen Chandra Kishore M. G. Shinde Vilas Patil Chairman & Mg. Director Executive Director Director Director Director A.Gopalakrishnan V S Sivakumar M Surya Naik C.M. Dixit Anup Mehta Anil K Gupta Director Director Director Director Director Director R. K. Bansal D. Raju M.G. Sanghvi Chief Manager Asst. Gen.Manager General Manager As per our separate report of even date attached For Nripendra & Co. For RK Deepak & Co. For B Gupta & Co. For P Parikh & Associates For Jain Chowdhary & co. Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants N K Gupta Deepak Gupta Dipankar Sircar P N Parikh S. C. Jain Partner Partner Partner Partner Partner (M. No.10657) (M. No ) (M. No ) (M. No. 4770) (M. No.14871) Place: Mumbai Date:

2 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2008 Rs. '000s omitted SCHEDULE-1 CAPITAL Rs. Rs. AUTHORISED 150,00,00,000 EQUITY SHARES OF RS. 10/- EACH ISSUED, SUBSCRIBED AND PAID-UP ,68,23,200 EQUITY SHARES OF RS. 10/- EACH FULLY PAID UP of which, 14,68,20,000 shares are held by the Government of India TOTAL SCHEDULE-2 RESERVES AND SURPLUS I STATUTORY RESERVE OPENING BALANCE ADDITION DURING THE YEAR TOTAL - I II CAPITAL RESERVE OPENING BALANCE ADDITION DURING THE YEAR TOTAL - II III REVALUATION RESERVE OPENING BALANCE ADDITION DURING THE YEAR 0 0 DEDUCTION DURING THE YEAR TOTAL - III IV SHARE PREMIUM OPENING BALANCE ADDITION DURING THE YEAR 0 0 TOTAL - IV V REVENUE RESERVE OPENING BALANCE ADDITION DURING THE YEAR TOTAL - V VI SPECIAL INFRA RESERVE OPENING BALANCE 0 0 ADDITION DURING THE YEAR TOTAL - VI TOTAL ( I + II + III + IV + V +VI)

3 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2008 Rs. '000s omitted SCHEDULE-3 DEPOSITS Rs. Rs. A I DEMAND DEPOSITS i. FROM BANKS ii. FROM OTHERS II SAVINGS BANK DEPOSITS III TERM DEPOSITS i. FROM BANKS ii. FROM OTHERS TOTAL B (i)deposits OF BRANCHES IN INDIA (ii) DEPOSITS OF BRANCHES OUTSIDE INDIA 0 0 TOTAL SCHEDULE-4 BORROWINGS I BORROWINGS IN INDIA i. RESERVE BANK OF INDIA ii.other BANKS 0 0 iii. OTHER INSTITUTIONS AND AGENCIES II BORROWINGS OUTSIDE INDIA TOTAL SCHEDULE-5 OTHER LIABILITIES & PROVISIONS I BILLS PAYABLE II INTER OFFICE ADJUSTMENTS( NET) III INTEREST ACCRUED IV. CONTINGENT PROVISIONS AGAINST STANDARD ASSETS V OTHERS(INCLUDING PROVISIONS)* *Including Subordinated Debts Unsecured Redeemable Bonds forming part of TIER II Upper Tier II Bonds, Innovative Perpetual Bonds Tier I TOTAL of which, eligible part of Tier II capital

4 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2008 SCHEDULE 6 CASH AND BALANCES WITH RESERVE BANK OF INDIA I CASH IN HAND (INCLUDING FOREIGN CURRENCY NOTES) Rs.000s omitted II BALANCES WITH RESERVE BANK OF INDIA i. IN CURRENT ACCOUNTS ii. IN OTHER ACCOUNTS (UNDER LAF) 0 0 TOTAL SCHEDULE 7 BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE I IN INDIA i. BALANCES WITH BANKS a. IN CURRENT ACCOUNTS b. IN OTHER DEPOSIT ACCOUNTS ii. MONEY AT CALL AND SHORT NOTICE 0 a. WITH BANKS 0 0 b. WITH OTHER INSTITUTIONS 0 0 TOTAL - I II OUTSIDE INDIA i. IN CURRENT ACCOUNTS ii. IN OTHER DEPOSIT ACCOUNTS iii. MONEY AT CALL AND SHORT NOTICE 0 0 TOTAL - II TOTAL ( I + II )

5 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2008 Rs. 000s ommitted SCHEDULE-8 INVESTMENTS I INVESTMENTS IN INDIA IN i. GOVERNMENT SECURITIES* ii. OTHER APPROVED SECURITIES iii. SHARES iv. DEBENTURES AND BONDS v. SUBSIDIARIES AND/OR JOINT VENTURES vi. OTHERS a. VENTURE CAPITAL b. UNITS OF MUTUAL FUNDS c. RIDF DEPOSIT d. COMMERCIAL PAPER e. SECURITY RECEIPTS OF ARCs f. OIL BONDS g. CBLO TOTAL II INVESTMENTS OUTSIDE INDIA 0 0 TOTAL (I + II) GROSS INVESTMENTS LESS: PROVISION FOR DEPRECIATION NET INVESTMENTS *INCLUDES ENCUMBERED SECURITIES SCHEDULE-9 ADVANCES A..i. BILLS PURCHASED AND DISCOUNTED ii. CASH CREDITS, OVERDRAFTS AND LOANS REPAYABLE ON DEMAND iii. TERM LOANS TOTAL B.i. SECURED BY TANGIBLE ASSETS* ii. COVERED BY BANK/GOVT. GUARANTEES iii. UNSECURED TOTAL * includes advances against book-debts C. I. ADVANCES IN INDIA i. PRIORITY SECTOR ii. PUBLIC SECTOR iii. BANKS iv. OTHERS TOTAL II. ADVANCES OUTSIDE INDIA 0 0 TOTAL

6 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31 ST MARCH 2008 Rs. 000s omitted SCHEDULE-10 FIXED ASSETS A. TANGIBLE ASSETS I. PREMISES (i) AT COST AS AT 31 st MARCH OF THE PRECEEDING YEAR (Includes increase in the value on account of revaluation of certain premises in earlier years) (ii) ADDITION ON ACCOUNT OF REVALUATION 0 0 DURING THE YEAR (iii) ADDITIONS DURING THE YEAR (iv) DEDUCTIONS DURING THE YEAR (v) DEPRECIATION TO DATE (vi) BUILDING UNDER CONSTRUCTION TOTAL I II. OTHER FIXED ASSETS (INCLUDING FURNITURE AND FIXTURES) (i) AT COST AS ON 31 st MARCH OF THE PRECEDING YEAR (ii) ADDITIONS DURING THE YEAR (iii) DEDUCTIONS DURING THE YEAR (iv) DEPRECIATION TO DATE TOTAL II TOTAL( I + II) B. INTANGIBLE ASSETS I. COMPUTER SOFTWARE i. AT COST AS AT 31 st MARCH OF THE PRECEEDING YEAR ii. ADDITION DURING THE YEAR iii. DEDUCTION DURING THE CURRENT YEAR 0 0 IV. AMORTISED TO DATE TOTAL GRAND TOTAL (A+B) SCHEDULE-11 OTHER ASSETS I. INTER - OFFICE ADJUSTMENTS (NET) 0 0 II. INTEREST ACCRUED III. TAX PAID IN ADVANCE/TAX DEDUCTED AT SOURCE (Net of provision) IV. DEFERRED TAX ASSET (NET) V. STATIONERY AND STAMPS VI. NON BANKING ASSETS ACQUIRED IN SATISFACTION OF CLAIMS VII. OTHERS TOTAL

7 SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31 ST MARCH 2008 Rs. 000s omitted SCHEDULE-12 CONTINGENT LIABILITIES I. CLAIMS AGAINST THE BANK NOT ACKNOWLEDGED AS DEBTS II. LIABILITY ON ACCOUNT OF PARTLY PAID SHARES 0 0 III. LIABILITY ON ACCOUNT OF OUTSTANDING FORWARD EXCHANGE CONTRACTS IV. GUARANTEES GIVEN ON BEHALF OF CONSTITUENTS a) IN INDIA b) OUTSIDE INDIA 0 0 V. ACCEPTANCES,ENDORSEMENTS AND OTHER OBLIGATIONS VI. OTHER ITEMS FOR WHICH THE BANK IS CONTINGENTLY LIABLE TOTAL

8 SCHEDULES FORMING PART OF PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2008 Rs.000s omitted Year ended Year ended SCHEDULE 13 INTEREST EARNED Rs. Rs. I. INTEREST/DISCOUNT ON ADVANCES/BILLS II. INCOME ON INVESTMENTS III. INTEREST ON BALANCES WITH RESERVE BANK OF INDIA AND OTHER INTER BANK FUNDS IV. OTHERS TOTAL SCHEDULE 14 OTHER INCOME I. COMMISSION,EXCHANGE AND BROKERAGE II. PROFIT ON SALE OF INVESTMENTS LESS: LOSS ON SALE OF INVESTMENTS III. PROFIT/ LOSS ON REVALUATION OF INVESTMENT IV. PROFIT ON SALE OF LAND, BUILDINGS AND OTHER ASSETS (NET) V. PROFIT ON FOREIGN EXCHANGE TRANSACTIONS (NET) VI. INCOME EARNED BY WAY OF DIVIDENDS ETC. FROM SUBSIDIARIES / COMPANIES AND /OR JOINT VENTURES ABROAD/ IN INDIA VII. MISCELLANEOUS INCOME TOTAL SCHEDULE 15 INTEREST EXPENDED I. INTEREST ON DEPOSITS II. INTEREST ON RESERVE BANK OF INDIA/INTER BANK BORROWINGS III. OTHERS TOTAL SCHEDULE 16 OPERATING EXPENSES I. PAYMENTS TO AND PROVISIONS FOR EMPLOYEES II. RENT,TAXES AND LIGHTING III. PRINTING AND STATIONERY IV. ADVERTISEMENT AND PUBLICITY V. DEPRECIATION ON BANK'S PROPERTY VI. DIRECTORS' FEES,ALLOWANCES AND EXPENSES VII. AUDITORS' FEES AND EXPENSES (INCLUDING BRANCH AUDITORS) VIII.LAW CHARGES IX. POSTAGE,TELEGRAMS,TELEPHONES ETC X. REPAIRS AND MAINTENANCE XI. INSURANCE XII. OTHER EXPENDITURE TOTAL

9 PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2008 Rs 000s omitted Year ended Year ended SCH Rs. Rs. I INCOME INTEREST EARNED OTHER INCOME TOTAL II EXPENDITURE INTEREST EXPENDED OPERATING EXPENSES PROVISIONS & CONTINGENCIES TOTAL III PROFIT/LOSS NET PROFIT FOR THE YEAR NET PROFIT/LOSS BROUGHT FORWARD 0 0 TOTAL IV APPROPRIATIONS TRANSFER TO STATUTORY RESERVE TRANSFER TO SPECIAL INFRA RESERVE TRANSFER TO CAPITAL RESERVES TRANSFER TO REVENUE RESERVE PROPOSED DIVIDEND (INCL. DIVIDEND TAX) BALANCE CARRIED OVER TO BALANCE SHEET 0 0 TOTAL Significant Accounting Policies 17 Notes forming Part of Accounts 18 Schedules referred to above form an integral part of Profit and Loss Account P.L.Gairola Bhaskar Sen Chandra Kishore M. G. Shinde Vilas Patil Chairman & Mg. Director Executive Director Director Director Director A.Gopalakrishnan V S Sivakumar M Surya Naik C.M. Dixit Anup Mehta Anil K Gupta Director Director Director Director Director Director R. K.Bansal D. Raju M.G. Sanghvi Chief Manager Asst. Gen.Manager General Manager As per our separate report of even date attached For Nripendra & Co. For RK Deepak & Co. For B Gupta & Co. For P Parikh & Associates For Jain Chowdhary & co. Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants N K Gupta Deepak Gupta Dipankar Sircar P N Parikh S. C. Jain Partner Partner Partner Partner Partner (M. No.10657) (M. No.82153) (M. No ) (M. No. 4770) (M. No.14871) Place: Mumbai Date:

Annexure - XV (Paragraph ) Suggested format of Balance Sheet of UCBs

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