Business Segment Information

For the year ended 31 March Lending Financial Leasing Investing in Equity Venture Capital Commercial Banking Other Unallocated Eliminations Total   2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Revenue   Interest income 6,614,618 7,536,486 801,717 992,373 -  -  46,368 78,169 4,235,229 3,212,690 192,563 235,486 -  -  (97,014) (56,271) 11,793,481 11,998,933 Other income 203,909 215,430 -  -  1,095,481 910,789 46,519 45,005 212,251 285,583 255,652 258,362 127,726 221,532 (649,167) (519,441) 1,292,371 1,417,260 Income from external customers 6,818,527 7,751,916 801,717 992,373 1,095,481 910,789 92,887 123,174 4,447,480 3,498,273 448,215 493,848 127,726 221,532 (744,995) (575,712) 13,085,852 13,416,193 Inter segment income -  -  -  -  -  -  -  -  -  -  -  -  - 111,159 - (111,159) -  -  Total income 6,818,527 7,751,916 801,717 992,373 1,095,481 910,789 92,887 123,174 4,447,480 3,498,273 448,215 493,848 127,726 332,691 (744,995) (686,871) 13,085,852 13,416,193                                       Percentage * 52 58 6 7 8 7 1 1 34 26 3 4 6 6  - -  100 100     Expense   Segment losses 223,897 308,117 131,828 190,827 -  11,303 -  30,000 233,571 287,213 -  -  -  589,296 827,460 Depreciation -  -  -  -  -  -  236 714 124,970 101,479 25,396 16,732 150,602 118,925 Other operating & interest expenses 3,965,377 968,675 425,814 98,524 -  -  16,504 31,124 3,291,677 2,666,872 217,799 298,971 (112,560) (56,271) 7,804,611 4,007,895 Inter segment expense -  -  -  -  -  -  -    17,551  3,950  29,075 46,034 (46,626) (49,984) -  -  4,189,274 1,276,792 557,642 289,351 -  11,303 16,740 61,838 3,667,769 3,059,514 272,270 361,737 (159,186) (106,255) 8,544,509 4,954,280 Result 2,629,253 6,475,124 244,075 703,022 1,095,481 899,486 76,147 61,336 779,711 438,759 175,945 132,111 4,541,343 8,461,913 Unallocated expenses 1,035,187 5,747,541 Value Added Tax on financial services 840,415 658,058 2,665,741 2,056,314 Associate companies profit before tax 1,085,261 1,066,101 Profit before tax 3,751,002 3,122,415 Income tax expense 1,067,232 1,054,844 Profit after tax 2,683,770 2,067,571 Minority interests 103,798 22,865 Profit for the year 2,579,972 2,044,706                                       Assets 33,625,936 37,887,730 3,465,729 4,804,430 2,248,527 2,168,420 - 828,166 31,335,584 24,804,733 2,645,439 2,624,287 11,321,320 6,755,382 (1,925,471) (36,378) 82,717,064 79,836,770                                       Percentage 41 48 4 6 3 3 - 38 31 3 3 14 8 (2) -  -  100 100       Investment in associate company 7,818,997 7,160,671 90,536,061 86,997,441 Liabilities 27,186,587 30,291,925 3,119,156 4,323,987 -  -  -  145,326 28,457,733 22,176,796 1,815,006 1,834,922 10,509,264 8,567,685 (1,925,471) (36,378) 69,162,275 67,304,263 Capital expenditure - additions               198 122,749 176,383 41,128 6,899 57,154 105,082     221,031 288,562