BALANCE SHEET AS OF 31st DECEMBER 2005   SCHEDULE 31st DEC., 2005 31st DEC., 2004   Nu.                ch Nu.                ch ASSETS Cash & Bank Balances 1 3,019,317,926.92 2,219,360,463.36 Investments 2 723,431,565.19 723,437,717.42 Loans 3 3,961,993,988.49 3,870,387,638.81 Other Assets 4 37,824,805.12 53,129,425.50 Fixed Assets (at cost, less depreciation) 5 71,782,119.15 55,292,014.58 Total Assets 7,814,350,404.87 6,921,607,259.67   LIABILITIES Share Capital 6 119,008,000.00 119,008,000.00 Reserves 7 638,856,207.44 570,523,439.17 Deposits 8 6,424,627,251.87 5,761,611,952.54 Current Liabilities 9 188,681,092.89 158,314,576.65 Provisions 10 359,872,252.67 252,645,291.31 Proposed Dividend   83,305,600.00 59,504,000.00 Total Liabilities 7,814,350,404.87 6,921,607,259.67   Significant Accounting Policies & Notes on Accounts 11

The Schedules referred to above form part of the Balance Sheet. This is the Balance Sheet referred to in our report of even date.

T K GHOSE & CO.
Chartered Accountants