Results for the nine months ended 31 December 2007
	Bank
	For the quarter ended		For the nine months ended
For the nine months ended	31.12.07 Rs 000	31.12.06 Rs 000	31.12.07 Rs 000	31.12.06 Rs 000
Income	2,482,618	1,807,322	7,026,800	4,811,248
Interest income	2,214,675	1,572,909	6,312,343	4,242,524
Interest income on loans & advances	1,957,066	1,465,443	5,537,898	3,923,664
Interest income on other interest earning assets	257,609	107,466	774,445	318,860
Less : Interest expenses	1,465,969	923,140	4,274,627	2,468,617
Interest expense on deposits	434,468	137,791	1,423,478	396,215
Interest expense on other interest bearing liabilities	1,031,501	785,349	2,851,149	2,072,402
Net interest income	748,706	649,769	2,037,716	1,773,907
Non interest income	267,943	234,413	714,457	568,724
Foreign exchange income	(17,220)	6,964	(1,789)	8,666
Other income	285,163	227,449	716,246	560,058
Less : Non interest expenses	250,478	238,930	747,279	690,860
Personnel costs	97,768	104,102	341,274	304,003
Provision for staff retirement benefits	22,403	22,403	67,210	67,210
Premises, equipment & establishment expenses	61,456	51,165	152,618	149,883
Loss on trading /  investment securities	0	0	0	0
Other operating expenses	57,499	51,421	153,098	140,351
Amortisation of intangible assets
Software	11,352	9,839	33,079	29,413
Less : Provision for bad & doubtful debts and loans written off	(53,171)	3,174	71,011	(144)
Provisions - general	44,609	42,026	133,451	44,213
Provisions - specific	63,966	50,321	238,432	170,560
Recoveries	(175,835)	(89,190)	(315,483)	(215,709)
Loans written off	14,089	17	14,611	792
Less : Provision for fall in value of  dealing & investment securities losses	0	0	0	0
Operating profit on ordinary activities before taxes	819,342	642,078	1,933,883	1,651,915
Less : Value added tax on financial services	131,941	99,760	321,106	268,386
Operating profit on ordinary activities before corporate tax	687,401	542,318	1,612,777	1,383,529
Share of associate companies profit before tax	-	-	-	-
Operating profit before corporate tax	687,401	542,318	1,612,777	1,383,529
Less : Income tax on profit on ordinary activities	210,983	196,441	527,710	512,384
Profit for the period	476,418	345,877	1,085,067	871,145
Attributable to
Equity holders of the Bank	476,418	345,877	1,085,067	871,145
Minority interest	-	-	-	-
	476,418	345,877	1,085,067	871,145
Basic earnings per share - Rs	3.81	3.14	8.68	7.90
Diluted earnings per share - Rs	3.79	3.12	8.63	7.85