Karnataka Bank Vishal Chopra 05110

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AN ORGANISATIONAL STUDY AT

KARNATAKA BANK LTD CHITRADURGA

Submitted in partial fulfillment of the requirements of MBA Degree course of Bangalore university

By VISHAL CHOPRAV

REGNO O5XQCM 6116 2005-2007

Under the Guidance amp supervision of

Prof BV RUDRAMURTHY RAMACHANDRAHKULKARNI MPBIM OFFICER

(Internal Guide) KARNATAKA BANK Ltd

MPBIRLA INSTITUTE OF MANAGEMENT Associate Bharatiya Vidya Bhavan

43 Race Course Road BANGALORE-56000

MPBIRLA INSTITUTE OF MANAGEMENT

id17861500 pdfMachine by Broadgun Software - a great PDF writer - a great PDF creator - httpwwwpdfmachinecom httpwwwbroadguncom

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EXECUTIVE SUMMARY The MBA course offered by Bangalore University has a unique syllabus which requires its MBA students to undertake an internship with any of the leading business houses for a period ranging from 6-8 weeks during the second semester The purpose of this internship is to enable the students to appreciate and understand the nuances of practical world vis-agrave-vis the theoretical input administered during regular academic sessions This helps in creating managers Who are equipped with the experience of linking the theoretical input with those of practical exposure and come out with creative solutions ideas in enhancing the business In partial fulfillment of MBA degree of Bangalore University I took up this organizational study Experience and knowledge I gained from KARNATAKA BANK LTD are elaborated in the following pages This report includes the history of Indian Banking sector and an overview of KARNATAKA BANK LTD and banks profile later pages elaborate various kinds

of products and services offered by Karnataka bank branch profile share prices at NSE share capital structure continuous improvement essentials records require in all branches as per RBI norms some important definitions risk categorization of customersetc

Vishal choprav

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DECLARATION I VISHAL CHOPRA hereby declare that internship training report entitled ORGANIZATIONAL REPORT AND MICROSCOPIC STUDY AT KARNATAKA BANK LTD has been undertaken and Completed under the valuable guidance of Prof BVRUDRAMURTHY (INTERNAL GUIDE) amp MR RAMACHANDRA H KULKARNI (OFFICER KARNATKA BANK LTD) AND in Partial fulfillment of MASTER OF BUSINESS ADMINISTRATION (MBA) PROGRAM and it is my original work and not submitted for any award Of any other degree diploma fellowship or any other similar title of Prizes Place BANGALORE Name VISHAL CHOPRAV Date regno05XQCM6116

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GUIDES CERTIFICATE This is to verify that the report entitled AN INTERNSHIP REPORT ON ORGANIZATIONAL STUDY at KARNATAKA BANK LTD done by VISHAL CHOPRAV bearing regno 05XQCM6116 is bonifide work Carried under my guidance during the academic year 20062007 In a partial fulfillment of requirement for the award of MBA DEGREE By BANGALORE UNIVERSITY To the best of my knowledge this Report has not formed the basis for the award of any other degree Place BANGALORE BVRUDRAMURTHY Date (PROFESSOR)

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Principals certifiate This is to certify that this report entitled AN INTERNSHIP REPORT ON ORGANIZATIONAL STUDY at KARNATAKA BANK LTD has been prerared by VISHAL CHOPRAV bearing regno 05XQCM6116 under the guidance and supervision of ProfBV RUDRAMURTHY of MPBIRLA INSTITUTE OF MANAGEMENT BANGALORE Place BANGALORE Name NSMALAVALLI Date (PRINCIPAL)

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ACKNOWLEDGEMENT I am happy to express my deep sense of gratitude toPROFBV RUDRAMURTHY (PROFESSOR MPBIRLA INSTITUTE OF MANAGEMENT) and RAMACHANDRAHKULKARNI (OFFICER KARNATAKA BANK) for their encouragement guidance and many variable ideas that are imparted to me for my project I extend my sincere thanks to various people at KARNATAKA BANK LTD Who have been instrumental in providing me the information required without which I couldnt have completed my internship I have gained a lot of knowledge both theoretical and practical throughout the course of carrying out this project I also learned a lot of intricacies of actual business world I would also like to sincerely thanks to all my lecturers and friends for the help in completing my project successfully (VISHAL CHOPARV) REGNO 05XQCM6116

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TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE

3 PRODUCTS amp SERVICES OFFERED BY KARNATAKA BANK

4 SHARE CAPITAL STRUCTURE AS ON 31-03-2006

5 PRESS RELEASE OF FINANCIAL STATEMENTS FOR QUARTER ENDING

30-06-2006

6 THE AIM OF CONTINOUS IMPROVEMENT

7 SHARE PRICE AT NSE FROM 20-07-2006 TO 31-08-2006

8 RISK CATEGORIZATION OF CUSTOMERS

9 BRANCH PROFILE

10 DISPLAY OF ITEMS amp MAINTANENCE OF RECORDS AS PER RBI NORMS

11 SOME ESSENTIAL DEFENITIONS

12 FAIR PRACTICE CODE

13 SWOT ANALYSIS

14 SUGGESTIONS RECOMMENDATIONS

13 BIBILOGRAPHY

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INDUSTRY-PROFILE BANKING SYTEM IN INDIA INTRODUCTION The Reserve Bank of India (RBI) is Indias Central Bank Though Public sector banks currently dominate the banking industry various private and foreign banks exist Indias government owned banks dominate the industry Their performance has been mixed Government is disinvesting some of its stake in these public banks

INDIAN ECONOMIC AND BANKING SECTOR

1 Indian banking system continued with its healthy trend during the fiscal 2004-05 notwithstanding an erratic monsoon and inflationary pressures primarily on account of a steep rise in international oil prices Despite the shortfall in contribution of Agriculture in our GDP both Industrial production and Service sector recorded higher growth in 2004-05 with overall GDP growth estimated at around 609

The year also witnessed robust growth in exports taking the countrys export earnings reach an all time-high level of US $ 80 billion The countrys foreign exchange reserve burgeoned to US $ 140 billion thanks to the continuing inflow of FDI and FII

What is more heartening in recent years is that the character of the Indian economy has started showing signs of getting transformed into a developed one with an ever increasing contribution of industries and the Service sector in GDP replacing the hitherto dominant Agriculture sector

The Capital market too during the fiscal maintained its buoyancy with the Sensex touching the peak level during March 2005 The banking scrip in the stock exchanges for the first time caught the fancy and imagination of the investing community with the result that banking share index reached the historical peak in March 2005

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Seeds of change have truly been sown during the year just concluded The regime of tightening of Prudential norms increased need of transparency and disclosures more and more adherence to the internationally accepted accounting standard and adoption of rigorous risk management practices have come to stay in the industry with inter-se competition amongst the banks getting more and more fierce Recent policy pronouncements and prescriptions for a phased autonomy to banking as an institution have added a new dimension to the competitive environment Basel II is at the doors the compliance of which is a sine qua non in globalised banking scenario BANK PROFILE

At Karnataka Bank we understand that all customers are different in unique ways which is why regardless of the size of your business or your aspirations we treat every one as individual and special This means offering you choices not only in relation to our products and services but also in the way you interact with us We understand the changes in your lifestyle recognize these changes and support you with a high standard of professionalism and service As a premier bank we have developed comprehensive range of customized products amp services suitable for every kind of market trade or perceived need - Business or Personal They include borrowing facilities deposits providing optimum returns on surplus funds or helping with overseas transactions

HISTORY

Karnataka Bank Ltd a premier private sector bank in India was incorporated on February 18th 1924 at Mangalore a coastal town of Dakshina Kannada district in Karnataka State The bank took shape in the aftermath of patriotic zeal that engulfed the nation during the freedom movement of 20th Century India Over the years the Bank grew with the merger of Sringeri Sharada Bank Ltd Chitladurg Bank Ltd and Bank of Karnataka

With over 82 years experience at the forefront of providing professional banking services and quality customer service we now have a national presence with a network in excess of 398 branches across 18 states and 2 Union Territories Managed by a dedicated amp professional management team we have over 4346 employees 93066 shareholders and over 26 million customers

Today we have emerged as a leading financial service institution in India

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TECHNOLOGY

We have throughout the years focused on one task one mission - To Give You The Best in Services and In Products Among other Banks it was Karnataka Bank who first realised the importance of having a centralised Banking system and was among the first to deploy the core banking system in the year 2000 This system enabled us to store and processes all the customers accounts from one single place the data center at bangalore

To ensure that you have the Best we have deployed the State-Of-Art technology from the best players in the Industry like Infosys Sun and Wipro These systems provide the highest reliability thus enabling us to offer to you Non-Stop services

We have taken a lead and implemented a Disaster Recovery Centre This centre will replicate the Banks Centralised Banking system and all its data This centre will also be the backup for the ATM operations In the event of a natural disaster at Bangalore this centre will immediately come into force and provide full continuous service Leaving nothing to chance

We have ensured your business is protected by Non-Stop Banking

Technology Initiatives

Your Bank has given due importance to technology in order to keep pace with other Banks who rely on technology enabled services to cater to the plethora of customer needs and expectations Now our customers have the advantage of Any time Anywhere Banking at over 276 offices nationwide The pact for mutual sharing of ATMs with Corporation Bank enables customers to withdraw their money round the clock at over 850 ATMs located countrywide The Bank has been offering a wide range of customer centric and customer friendly value-added products amp services like Multi-Branch Banking (MBB) Flexi Term deposit (K-Flexi) ATM Card linked credit facility (K-Power) collection of utility bills etc

You will be delighted to know that your Bank launched Moneyplant International Debit Card which can be used anywhere in India and abroad where VISAVISA Electron sign is displayed The card holder can access his account at 13000 Visa ATMs in India and over 87 lakh ATMs globally The card can be used for purchases at 117000 merchant locations nationally and over 13 million international locations

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A pact has already been inked for other banks networkshared viz network Cash Tree and NFS for greater access

The Bank is all set to launch Internet Banking shortly Introduction of Demat Services distribution of Mutual Fund products are on the cards A product called Money Quick for customer to customer remittance through RTGS is launched today at all our networked branches

Your Bank plans to bring more number of branches under the Core Banking Solution (CBS) and also launch a range of new products and delivery channels in the near future

MISSION STATEMENT Our mission is to be a technology savvy customer centric

progressive bank with a national presence driven by the

highest standards of corporate governance and guided by

sound ethical values

Monetary Policy

Bank rate kept unchanged at 600 per cent

In view of the prevailing macro economic and overall monetary conditions the fixed reverse repo rate by 25 basis points under liquidity adjustment facility (LAF) of the Reserve Bank has been increased to 500 per cent from 475 per cent with effect from April 29 2005

The minimum maturity period of certificates of deposit (CDs) reduced from 15 days to 7 days

RBI will persist with its efforts to ensure quality of banking services in particular to small individual depositors

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Services and Products The Bank provide various products amp services to its customers It has a wide range of products and services Following are some of its services

1 K-flexi deposit 2 Savings bank account 3 Fixed deposit 4 Abhyudaya cash certificate 5 Ready money deposit 6 Soulabhya deposit 7 Cumulative deposit 8 Senior citizen deposit scheme 9 NRI schemes 10 Vidyanidhi education loan scheme 11 Scheme for financing Salaried Persons 12 Udyog mitra loan scheme for professionals 13 Varthak loan for the traders 14 Vahana mitra finance for commercial vehicle 15 K-Power personal loans 16 Easy ride for two wheelers 17 Car finance for new and second hand cars 18 Niveshan loan for house sites 19 Apna ghar home loan 20 Insta cash for consumption purposes 21 Lease amp Encash for property owners 22 Swarna nidhi for resident women 23 Ravi kiran for solar lighting amp heating 24 Krishik Sinchana for irrigation 25 Krishik sarathi for farm mechanization 26 MBB ACCOUNT Some of them are explained below

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K-flexi deposit It is a Savings Bank (SB) Ac Linked term deposit which combines the benefits of high interest of a term deposit and liquidity of SB account to give you the best returns for your moneyAny individual other than a minor can open this account All existing resident SB Account holders are eligible to opt for this scheme by giving a simple mandate But none of the account holders should be minors In case of existing account just sign a simple mandate Requesting for the facility If not just walk into any of our designated branches (list of which is furnished) and open a new SB Privileged Account For the amount held in term deposit a higher Interest is paid depending on the period for which deposit is keptrun For the amount held in SB Ac interest is paid as per SB rules You will decide on the period of deposit It can be for a minimum of 30 days and maximum of 36months First at the time of opening the account You have the privilege of changing the period option once in every quarter thereafter In the absence of any specific instructions the deposit will be renewed for the same period as initially made at the interest rate prevailing on the due date You can operate your account just like any other SB Ac and issue cheques withdraw the amount etcWhenever balance in the SB account goes beyond the stipulated level (at present Rs10000-) the amount beyond stipulated level will get transferred to term deposit account in multiples of Rs5000- for a period specified by you earlier and earn interest applicable to term deposits of that period If you issue cheques in your SB Account we will transfer amounts in units of Rs1000- from your term deposit account to SB Ac to the extent required All this happens automatically thus we take care of your banking giving you the flexibility of using that time the way you want to It will continue to earn interest at contracted rates we take care of your interest by following the intelligent concept of Last in first out (LIFO) so that your interest loss is always minimum You can

thus optimize your earnings with minimum interest loss with the benefit of high liquidity All other benefits of operating your account at anyother linked branches under Multi Branch Banking facility is also available to you without additional cost All your transactions are routed through your K-Flexi SB account Hence no hassle of keeping track of multiple account Except maintaining minimum balance of Rs1000- and quarterly average balance of Rs5000- in your SBAc All these facilities come to you absolutely FREE

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K-power K-Power ATM cards offer a special facility to valued customers like you The card enables you to draw cash from any Money plant ATM of Karnataka Bank and also of Corporation Bank even if there is no balance in your account You can draw from Rs5000- to Rs15000- (depending on the limit) which is treated as a personal loan Any individual SB account holder with a satisfactory operation for past six months is eligible You could be a salaried employee a professional or even someone receiving regular income from rent pension etc Your account should show a regular deposit of at least Rs5000- per month over the past six months to make you eligible for a K-Power ATM card Depending on the limit set by your Branch Manager you can draw upto Rs15000- in multiple of Rs100- The withdrawal can be made only through Moneyplant ATM of Karnataka Bank and of Corporation Bank and not over the counter Interest at PLR+3 is charged on daily balance outstanding at monthly intervals No further withdrawals under this facility will be allowed if the amount withdrawn is not repaid within 45 days of its withdrawal you can have advantage of K-Flexi and Multi branch banking along with K-Power If you are an account holder who meets the criteria you can apply for an ATM Card and the K-Power linkage simultaneously You will need - Proof of residence - Income proof such as salary certificate Form 16 or IT returns - The ATM Card will be issued immediately and the K-Power limit sanctioned within 7 days after processing and verification - If you already have an ATM Card you need to apply for K-Power limits with the above mentioned documents so the limits may be activated The limits sanctioned on the K-Power ATM Card are Independent of other limits However the limit is valid for a period of 12 months and need to be renewed thereafter Please note that the facility can be withdrawn at the discretion of the Branch Manager

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Salaried personyour dreams Permanent employees of established reputed companies firms institutions Govt undertakings schools colleges and universities aged not more than 55 years and with a minimum remaining service of 3 years a) Purchase of household articles consumer durables b) Childrens education c) Marriage and thread ceremony of self dependants d) Medical expenses of self dependants e) Obsequies expenses f) Repair of own house Maximum 10 times of monthly gross salary of which 50 can be availed as over draft Upto 5 years On reducing balance method Co-obligation of third party co-employee who should be a Permanent employee of established reputed companies firms institutions government undertakings schoolscolleges universities etc Car-finance a) An individual who is an income tax assessese b) A company firm availing the loan in its name or in the name of its executive managing director managing partner Purchase of new vehicle second hand vehicle not older than 3 years from the date of registration of the vehicle Upto 85 of the invoice value excluding vehicle tax and insurance in case of new vehicles amp not exceeding Rs300 lakhs in the case of second hand vehicleUpto 60 months (new vehicle) and 34 months (second hand vehicle) a) Hypothecation of vehicle to be purchased b) Third party co-obligation guarantee in case of individualsOn reducing balance

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Vidyanidhi Any student representing himself herself if major or a minor student represented by parent or guardian of Indian nationality who has secured admission to a professional technical other course in India or abroad Graduate Courses - BA BSc BCom BCA BBM Post Graduate Courses - Masters and PhD Diploma in Engineering Professional Courses - Engineering Medical Agriculture Veterinary Law Dental Management Computer Pharmacy Physiotherapy Hotel Management ICWA CACFA Courses conducted by IIM IIT XLRI NIFT Courses offered in India by reputed foreign universities Evening Courses of approved Institutes Other Courses leading to Diploma Degree conducted by Colleges Universities approved by UGC Govt AICTE AIBMS ICMR Courses offered by National Institutes and other reputed private Institutions Graduation - Only for job oriented professional Technical courses offered by the reputed Universities Post Graduation - MCA MBA MS Courses conducted by CIMAA in London CPA in USA For studies in India - a maximum of Rs750lakh For studies abroad - a maximum of Rs1500lakh Tuition Fees Hostel Fees and Boarding and Lodging Fees if resident outside HostelStudies in India Studies Abroad Examination Laboratory and Library Fees Purchase of BooksStudy material Equipment And Uniforms Caution Deposit Building Fund Refundable Deposits (supported by Receipts issued by the Institution ) Travel expensespassage money for study abroad Purchase of Computer if certified as essential for completion of course other expenses like Project Work Study Tour and Thesis which are necessary for completion of course Upto Rs2 lakh - nomargin required Above Rs2 lakh - 25 for studies in India and abroad Scholarship Assistantship may be reckoned as part of margin Margin may be brought in on year -to-year basis as and when Disbursements are madeo n a pro-rata basis For loans up to Rs2 lakh Loan shall be given jointly with Parent Guardian A Guarantor with networth not less than loan amount shall join the transaction in addition to Parent Guardian For loans above Rs2 lakh Loan shall be given jointly with Parent Guardian and collateral equal to 100 of the loan is required In case land and buildings are already mortgaged the same can be used as security on II charge basis provided adequate security cover of100of the loan amount is available Computers purchased with the loan would have to behypothecated to the Bank

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For loans up toRs4 lakh 12pa at present For loans aboveRs4 lakh 1250 at present The loan shall be repaid in 5 to 7 years after commencement of repayment If the student secures employment during the gestation period the repayment schedule should be advanced to commence immediately The completion of the course includes internship or apprenticeship if compulsory for award of Degree If the student does not complete the course within the scheduled time a maximum time limit of 2 years is permitted If the student is unable to complete the course for reasons beyond his control then extension may be granted if deemed necessary to complete the course The accrued interest during the repayment holiday will be added to the principal and repayment in equated monthly installments (EMI) shall be fixed There is a holiday on repayment for the duration of the Course extending up to 6months or 1 year after getting a job whichever is earlier Simple interest will be charged during the loan repayment holiday Compounded interest rates will apply after the loan holiday with monthly rests Penal interest at 2 will be charged for loans above Rs2 lakh for the overdue amount and overdue period Easy-ride

1 Individuals possessing a valid two wheeler driving licence who are-

a) Within the age limit of 21 to 55 years in case of salaried persons and 21 to 60 years in case of businessmen professionals self employed persons b) Confirmed employees having put in minimum service of 34 years c) Having a gross monthly salary of Rs4500- gross monthly income of Rs3500- II A company firm availing the loan in its name or in the name of executive managing director managing partner-

Upto 15 times the net take home salary (in the case of salaried persons) or equivalent of declared annual gross income (in the case of professionals businessmen self employed persons) not exceeding 90 of the invoice value of the vehicle Road tax and insurance are excluded Upto 60 months Repayment by equated monthly instalments On reducing balance method a) Hypothecation of vehicle purchased b) Third party solvent co-obligantguarantor (Can be waived subject to conditions) c) Depending on the period of loan security deposit equivalent of one to five monthly instalments

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a) Proof of income (Salary certificate income tax returns assessment orders audited financial statements etc) b) Proof of residence c) Bank pass book statement of account Udyog-mitra Doctors Regd Medical Practitioners (having passed qualified examination from a recognised university in allopathy homeopathy ayurvedic sciences) Lawyers Engineering consultants i Purchase of medical equipments machineries computers ii Furnishing the office purchase of furniture books etc iii Payment of advance rent for setting up an office a) Upto 90 of the cost of the assets to be purchased in case of purpose (i)mentioned above b) Upto 80 of the cost in case of purposes (ii) and (iii) mentioned above subject to a maximum of Rs75000 in rural areas Rs100000 in semi-urban areas Rs150000 in urban areas and Rs200000 in metropolitan areas Upto 5 years for purposes (i) and ( ii) Upto 24 months for purpose (iii) a) Hypothecation of assets to be purchased (purposes-i and ii) b) LIC Policies (SV) NSCs (FV) term deposits of the bank atleast to the extent of 25 of loan amount OR Equitable mortgage of immovable property of the value not less than 50 of the loan amount c) Third party solvent co-obligant guarantee Upto Rs 2 Lakhs 11 Above Rs 2 Lakhs 12

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Nivesana loan Finance for the purchase of House sites(converted land only) a) Individuals who are residents of India b) Salaried persons aged 21 years and above who are in confirmed service with a minimum service of 3 years and a minimum gross monthly salary of Rs 6000- c) BusinessmenProfessionalsself employed persons aged 21 years and above with a minimum experience of 3 years and a gross annual income of Rs60000 d) Non-Resident Indians are also eligible 75 of the Registration Value of the site or Rs15 lakh whichever is less The Maximum period available for the loan is 7 years a) Mortgage of site property to be acquired b) Guarantee of the spouse or third party guarantee Upto 5 years 850 Between 5 to 7 years9 In equated monthly installments (EMIs) Terms and conditions and interest rates are subject to change from time to time Sanctions at the sole discretion of the Bank a) Constructionpurchase of houseflat b) Renovationremodelingrepair to existing house flat a) Individuals who are residents of India b) Salaried persons aged 21 years and above who are in confirmed service with a minimum service of 3 years and a minimum gross monthly salary of Rs6000- c) BusinessmenProfessionals self employed persons aged 21 years and above with a minimum experience of 3 years and a minimum gross annual income of Rs 60000- a) 60 times of latest monthly take home (net) salary in case of salaried persons b) 5 times of latest annual net income + depreciation provided if any as per PL Ac in case of traders professionals self employed persons c) Rs 50 lakh Whichever is lower Upto Rs 10 lakh or 40 of the value of the houseflat whichever is lower Upto 15 years Repayment holiday upto 18 months considered Repayment period within 70 years Of For purchaseconstruction For renovation repairs a) Mortgage of house property to be constructedpurchased repaired remodeled renovated b) Guarantee of the spouse wherever applicable in the absence of which third party solvent guarantor c) Third party guarantee not mandatory In equalequated monthly installments (EMIs)- 25 of the total cost in case of houseflatup to 5 years old more than 5 years old and up to 20 years old - Reduction in margin by and up to 10 considered on special conditions

- 30 of the cost for renovationrepair

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Up to 5 years 850 Above 5 years to 10 years 875 Above 10 years to 15 years for loans up to Rs 15 lakh9 Above Rs 15 lakh 10 Interest calculated on daily reducing balance ensuring lowest EMI - One time processing fee 05 of loan amountminimum 500- up to Rs 2 lakh Above Rs 2 lakh025 of loan amount- mInimumRs 1000- - No penalty for foreclosure - No administration or documentation charges - Option of single premium Life Insurance cover Terms and conditions and interest rates are subject to change from time to time Sanctions at the sole discretion of the Bank Vahana mitra Finance for the purchase of new Autorickshaw Jeep Carmaxi cab traveler TATA Sumo TOYOTA Qualis Bus Lorry etc Any individual Hindu Undivided Family Partnership Firm or any registered Company A maximum amount of up to 85 of the invoice value for a new vehicle ex cluding vehicle Tax and Insurance Permit etc For body building charges up to 75 of the quotation furnished by the vehicle body builders vehicles are to be purchased will be hypothecated andwould be requiredThe vehicle to be purchased will be hypothecated and equitable mortgage of property valued at not less than 50 of the loan amount acceptable to the Bank Liquid securities like NSCs KVPs LIC Policies with SV and Deposits equivalent to not less than 35 of the loan amount or more On reducing balance method For Buses and Trucks a maximum repayment period of 84 months (including holiday period) is allowed while for all other vehicles it is 60 months of equated monthly installments which are to be registered as Public Transport Vehicles only For loans up to Rs10 lakh For loans over Rs10 lakh or third party solvent co-obligation guarantee

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Multi Branch Banking Account Multi Branch Banking is a special facility that allows you to operate your Savings or Current Account in any city through a Network of branches other than the branch where you have your account At present this facility is available at 332 networked branches across the country covering 166 cities This Multi Branch Banking account has many features including Cash Withdrawal up to Rs100000- Unlimited cash deposit Transfer of funds Collection of BSNL MTNL Telephone bills at Goa Bangalore and Mumbai as well as CellOne bill payments all over Karnataka and Immediate credit of local outstation cheques up to Rs15000 amongst others Scheme of the Product

Cash Withdrawal up to Rs 100000- per day and only for self cheques Unlimited Cash Deposit Balance Enquiry Transfer of Funds Remittances Issue of Pay order or Demand Draft

Empowered with anywhere banking for both deposits and withdrawals within the network Instance remittance of funds across centers

One can enjoy 7 days of banking No need to carry DDPay order Faster collection of cheques K Flexi option can be availed by Multi Branch banking account holder K Power facility with free Visa Debit International Card with credit facility up to Rs 15000-

Collection of BSNL Telephone Bills at Goa and Bangalore and Cellone Bills all over Karnataka

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Multi City Cheques All Multi Branch Banking Current account holders are eligible for Multi City Cheque (At par Cheque) facilities wherein the cheques repayable at centers mentioned on the reverse of the cheques book On demand the MBB account holders may be provided with specially designed Multi City Cheques with 16 digits account number specified on it Money Pearl Money Ruby Money Sapphire and Money Diamond account holders are eligible for Multi City Cheque facility Centers identified for payable at par are 106 in

numbers at present Along with these services bank also provides Customer-centric value added products like -

1 Multi Branch Banking 2 Multi City Cheques 3 Flexi term Deposits 4 ATM card linked with Credit Facility ie K-POWER 5 Collection of utility Bills 6 Visa International Debit Card 7 Internet Banking 8 Cash-Tech for Fast Collection of Cheques 9 Demat Accounting 10 Booking of Tickets of Railways amp Airlines Mobile top-Up Services 11 Donations To Temple amp Undertaking distribution 12 Insurance tie Ups with Bajaj Allianz amp Met-Life Insurance Bank has a network of nearly 400 branches amp have 75 own ATMs I t has 900 amp Above ATMs sharings with Corporation bank Karnataka bank Accounts Can be accessed at over 7500 ATMs under NFS amp Cash Tree Bank has also tied-up with Visa International which enables its card holder to access at over 945000 ATMs amp over 22 million POS Globally under the Visa Network

The bank also avails locker facility the requirement for this service are that one should hold an SB ac in the branch The locker charge are to be paid on monthly basis based upon the size of the locker The rent varies on its size from RS 550- to RS 1500-

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Share Capital structure as on 31-03-2006

--------------------------------------------------------------------------------------------------------------------------

Authorised Share Capital 150000000 Equity Shares of RS 10- Each 1500000000- Issued Capital 121396376 Equity Shares of RS 10- Each 1213964000- Subscribed Capital 121276898 Equity Shares of RS 10- Each 1212769000- Called-Up Capital 121260348 Equity shares of Rs 10- Each 1212603000- + Forfeited Shares 98000- ------------------------------------------------------------ --------------------- 1212701000- ---------------------

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PRESS RELEASE

KARNATAKA BANK POSTS FIRST QUARTER PROFIT OF RS 41 CRORES

Mangalore-based premier private Sector Bank Karnataka Bank Limited has

posted a net profit of Rs4103 crore for the first quarter ended June 06 The total

business turnover of the Bank stands at Rs20786 crore

On an year on year basis the deposits grew by 2811 to reach Rs 12984 crore from Rs10136 crore and advances grew by 2586 to touch Rs7802 crore from Rs 6199 crore Compared to the first quarter of the previous year the Gross income of the Bank

rose from Rs28838 crore to Rs 33704 crore The operating surplus rose from

Rs8794 crore to Rs9458 crore The net interest income rose from Rs 90crore

to Rs 10173 croreThe capital adequacy ratio stands at 1128 as against the

RBI stipulation of 9 after taking into account the market risk as per Basel

accordThe Bank which has 398 branches at 19 States and 2 Union Territories

has plans to increase the number of branches to 415 during the year The Bank

plans to concentrate opening of branches in Northern and North Eastern part of

the country at places like Silguri Allahabad Agra Kanpur Bilaspur Bhopal

Jodhpur Panipath etc during the current year The ATM outlets will be

increased to 125The Bank has networked 328 offices under Core Banking

Solution with business coverage of 96The Bank has envisaged to achieve a

total business turnover of Rs25000 crore comprising of deposit of Rs15000

crore and advances of Rs10000 crore for the year ending 31st March 2007

The Bank proposes to launch tie up with Ms Franklin Templeton Asset Management (I) Private Limited for distribution of their mutual fund products during 1st week of August 2006

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KARNATAKA BANK LIMITED Regd amp Head Office Mangalore 575002

AUDITED FINANCIAL RESULTS FOR THE YEAR ENDED

31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount

on advancesbills 16753 11143 61470 45920

b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108

3 Interest expended 16979 12309 65207 52304

Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions

amp Contingencies 2024 -481 5920 10046

E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil

ii) Capital Adequacy

Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes

1 The net profit for the year ended 31-03-2006 is arrived at after making

necessary provision for taxes NPAs Standard Advances Investments Gratuity

Pension etc

2 The Board of Directors have recommended a dividend of 30 on the equity

shares

3 The Bank has identified two business segments viz Treasury and Banking

operations and the Geographic Segments consist of the Domestic Segment only

as the Bank does not have any foreign branch The segment results are annexed

4 Status of the shareholders complaints is as under

Complaints pending at the beginning of the

quarter

Complaints received during the quarter

Complaints redressed during the quarter

Complaints redressed after the quarter

Nil 48 48 Nil

5 Previous years figures have been regroupedrearranged wherever necessary to

conform to the current years classifications

6 The Board of Directors have taken the above financial results for the year

ended 31st March 2006 on record at their meeting held on 25th May 2006

28

SEGMENTWISE RESULTS

PART A BUSINESS SEGMENTS

For the year ended 31032006 RS IN CRORES

Treasury Other Banking

Operations Total

Year ended Year ended Year ended

Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025

Income tax 9306 9310

Extraordinary

profitloss 000 000

Net profit 17603 14715

Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated

Liabilities 30447 27495

Total


PART B GEOGRAPHIC SEGMENTS There is only Segment ie Domestic Segment

29

Continuous improvement Continuous improvement is the only business strategy that can provide you with a clear competitive edge and keep you ahead of the fierce competition We understand the dynamics of competition in todays fast changing world We understand the growth need of every business irrespective of the size We offer a variety of carefully drafted tailor made Banking products to help your business get that edge in this competitive environment We provide Working Capital Finance Term Loans and Infrastructure Finance to help your Business grow With providing these type of finances to start an industry to financing your working capital we have Business Finance Products both fund based and non-fund based suited to all sectors of Industry Contact our nearest Branch and we shall be happy discuss how we can help you achieve more in your business In conformity with our endeavour to become a financial supermarket and to provide total financial solutions to our customers we have diversified into the marketing of life insurance products of MetLife India Insurance Co Pvt Ltd an affiliate of MetLife the 136 year old largest life insurance company in the USA We offer a wide range of solutions to help you plan for your various financial needs like your childrens education amp wedding your retirement protection of your housing loan repayments protection for your family etc For further details please click the link wwwmetlifeindiacom We have also entered into a memorandum of understanding with Bajaj Allianz General Insurance Co Ltd (BAGICL) for distribution of their general insurance products through our branches You can now get your assets insured against fire burglary and a host of other eventualities You can also cover yourself as well as your near and dear ones against the contingencies of accidental death hospitalization etc For further details please click the link www bajajallianzcoin At Karnataka Bank we look at Insurance as a means to the total protection of your family and your assets

30

DEPOSIT RATE OF INTEREST 7 to 14 days -gt Domestic - 450 Senior Citizens - 450 Single Deposit of Rs1 Crore amp Above - 450| 15 days to 45 days -gt Domestic - 450 Senior Citizens - 450 Single Deposit of Rs1 Crore amp Above - 450 | 46 days to 90 days -gt Domestic - 500 Senior Citizens - 500 Single Deposit of Rs1 Crore amp Above - 500 | 91 days to 179 days -gt Domestic - 525 Senior Citizens - 525 Single Deposit of Rs1 Crore amp Above - 525 | 180 days to less than 1 year -gt Domestic - 550 Senior Citizens - 550 Single Deposit of Rs1 Crore amp Above - 550 | 1 year to 3 years -gt Domestic - 600 Senior Citizens - 700 Single Deposit of Rs1 Crore amp Above - 575 | Above 3 years -gt Domestic - 575 Senior Citizens - 675 Single Deposit of Rs1 Crore amp Above - 575 Note For the Purpose of ceiling of Rs1 crore all the deposits of one partyinstitution including Senior Citizens made on a single day at all our branches shall be considered as single bulk deposit

31

The fastest way to receive money worldwide 1 Western Union Financial Services

Western Union Financial Services International has a legacy of public trust built through more than 150 years of extra ordinary continuous service This international money transfer system facilitates quick secure reliable and convenient transfer of funds all over the world Neither the sender nor the receiver has to have a Bank account with us and the receiver pays no fee The person who remits you the money will fill in a prescribed form giving details of beneficiary and deposit the money along with the requisite service charges (fee) at its agent abroad The remitter will give one Test Question and its answer for identification of beneficiary The remitter then gets a receipt with Money Transfer Control Number (MTCN) which he will inform to you as the beneficiary of the transfer The amount so deposited will be available to you within 10 seconds You walk into any of the branches of our Bank offering this facility in India fill in the form giving information available with you including MTCN test question etc along with proof of identification like ration card driving licence voter identity cardcredit card etc The paying branch will access the Western Union System for authorisation and make payment Note Available at Designated Money Transfer Branches 2 Real Time Gross Settlement ( RTGS ) System RTGS is a payment system in which both processing and final settlement of fund transfer instructions take place on real time basis It is a gross settlement system where fund-transfers are settled individually ie without netting debits against credits RTGS effects final settlement continuously and the settlements are immediate final and irrevocable Each Bank branch participating in the RTGS is identified by a unique Indian Financial System (IFSC) Code to get the IFSC code for your Branch With the advancement of the Technological changes in the Banking industry the RTGS introduction has become a boom in settling the Interbank funds instantaneously The Customer can avail this facility and make instantaneous transfer of funds to beneficiary`s account Karnataka Bank became a member of Real Time Gross Settlement (RTGS) System from 16th July 2004 and has been settling Inter-Bank transactions in Mumbai since then

32

Money Quick services can be accessed by customers which uses RTGS service This MONEY QUICK facility provides INTERBANK funds transfer Minimum amount that can be transferred The minimum amount for interbank funds transfer facility for customers under Money Quick is fixed at Rs 50000 (Rupees Fifty thousand only) Charges for transfer of funds Service Charges equal to DD Commission for equivalent amount as per the existing circular plus Rs 100 No concession in service charges is allowed even though the Customer is enjoying concession in DD or any of the charges TO BE READ AS Service charges for outward remittance is Rs 2- per thousand plus Rs 100- (fixed) with service tax (1224) for the total amount No concession in service charges is allowed even though the customer is enjoying concession in DD or any of the charges Service charges for inward receipt Rs 100- fixed + Servicetax 1224

33

Karnataka Bank Share Price From 20-7-2006 To 31-8-2006

Series Date Prev Close0 Open High Low Close Total Trd Qty Turnover in Lacs

EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34

Risk Categorization of Customers by the Bank The Bank Categorizes its Customer into Three Level -

1 High-Risk Customers 2 Medium-Risk Customers 3 Low-Risk Customers

They are Broadly defined below

1 High Risk Customers- The High-Risk Customers are Classified Below

A Trusts Charities NGOs Organizations receiving Donations B Companies having Family Share holdings Beneficial Ownership C Firms with Sleeping Partners D Accounts Under Foreign Contribution amp Regulation Act E PEPs of Foreign Origin F Clients Accounts opened by Professional Intermediaries G Those with Dubious Reputation as per public Information available H Accounts of non Face-to-face I Non Resident customers residing in high risk rated countries J Persons Engaged in certain Professions where money Laundering

possibilities are high Eg- Antique dealers Money Service ETC K Customers whose annual Turnover is Above Rs50lakhs

Medium Risk Customers Following are the customers who comes under into this categoty

A Customers whose annual Turnover is Above 10lakhs amp upto 50lakhs

B Non Resident Customers residing in Medium Risk rated Countries

Low Risk Customers Following are the customers who comes under this category

A Salaried persons Government Owned Companies Regulatory amp Statutory bodies

B Customer Whose annual turnover is upto RS 10lakhs C All others not included under above two categories

35

BRANCH PROFILE The KARNATAKA Bank branch at CHITRADURGA is one of the oldest branch It is opened on 30-12-1964 The branch has completed 42 successful years The branch has 4000 Deposit accounts having total of 1722crores 5700 savings bank accounts having total of 538crores 250 current accounts having total of 242crores 50 MBB accounts having total of 075crores The branch also provides loans for various purposes 400 Term loan account worth Rs 272crores 14 overdraft account worth Rs 325crores 95 demand loan account worth Rs 095crores The branch has also involved in money transfer It has transfered 2103710674 Rs Through Western Union Money Transef The branch position as on 08-08-2006 Total Deposits 25890448721 Total Inter bank Deposits ---------------------- (current account+ SB account + term deposit) Total advance 13354812767 Total income 571532950 Total expenditure -412639446 Net profit 158893504 Total turnover 39245261488 The branch also issues bonds like Abyudaya cash certificate (Re-Investment plan) present rate is 8 Normal Fixed Deposit Present rate is 8 Cumulative Deposit (Monthly at fixed amount 8)The interest is calculated cumulatively

Gold Mortgage

36

The bank also undertakes the Gold Mortgage The person who want to mortgage the Gold to the bank should have an account in the branch where he want to mortgage it The banker then sends the Gold Ornaments to its Gold Appraisal who values it Then the bank will give 75 of the valued amount or RS 450- per gram whichever is less After the valuation of its Quality the bankers pays the amount to the account holder And after paying the amount and gold is found ungenuine the appraisal has to make good for it from his pocket The Party has to sign few documents and has to sign a Bond Paper of required amount of the appropriate amount The amount will be calculated 5 on the valued amount What happens if party fails to pay the sum In case if the party fails to pay the amount amp take back its securities The bank will then give notice to them before the due date even after receiving the notice and parties doesnt respond to it then the bank will sell off the securities

through the auction amp the notice regarding Auction should be given in the Newspaper Bank will then auction the securities amp amount from auction should be used to set-off the securities value amp if it is found that money is excess than the securities the excess amount will be paid to the Party

DISPLAY OF ITEMS amp MAINTANENCE OF RECORDS AS PER RBI

1 Display of copy of RBI license 2 Display of time norms of various types of transactions 3 Display of notice of banking ombudsman scheme-2002

37

4 Display of minimum balance requirement in SB amp CA 5 Display of latest balance sheet amp profit or loss account of bank 6 Display of weekly holiday working amp business hours 7 Display of trilingual broucherspamphlets containing customer useful

information 8 Display of changes in interest rates 9 Display of changes in service charges 10 Display of holiday list 11 Display of loss of token 12 Display of notice of facility of exchange of foiled mutilated notes 13 Display of notice of Auction sale of securities fixed assets 14 Display of registration amp enrollment certificate under respective state

governments 15 Display of notices covering strike by employees 16 Display of termination of appointments of employees 17 Provision of compliant suggestion box along with slips 18 Having counter ENQUIRY or MAY I HELP YOU 19 Follow clean note policy of RBI 20 Provision of cheque drop box facility amp facility for acknowledgement of

cheque at regular collection center 21 Issue of cheque books on request only to depositor his authorized

representative 22 Maintenance of form D register under equal remuneration act 23 Display of notice of issuing receipt to the tenderor for the forged notes

detected in case so tendered 24 Display of statement in table F us 223 of companies act 1956 25 Display of bankers fair practice code 26 Display of deposit policy of bank 27 Implementation of GOIPORIA committee recommendations 28 Conduct of periodical customer meet 29 Implementation of KYC norms

KNOW YOUR CUSTOMER The concept of Know Your Customer is introduced to avoid the dangers of Operational Legal amp Reputation risks involved including the consequential losses arising out of banking operations by adhering to the various systems amp procedures laid down for Opening amp conduct of bank accounts

38

The Know Your Customer (KYC) guidelines go beyond merely establishing the identity of the person amp satisfying about his credentials by obtaining an introductory reference from a known person KYC guidelines are applicable to all types of accounts including Borrower accounts the responsibility of the bank doesnt end with the opening of account

amp monitoring the transactions during few initial months after opening of an account but goes throughout the life of the account Objectives of KYC

1 To obtain protection US 131 of Negotiable Instrument Act 2 To minimize frauds 3 To check misappropriations 4 To weed out undesirable customers 5 To prevent Money Laundering 6 To minimize risk on account of any inadvertent Overdrafts 7 To satisfy that the proposed customer is not an undischarged insolvent 8 To avoid opening of accounts with fictitious names amp addresses

FAIR PRACTICE CODE FOR LENDERS The working group of lenders liability laws constituted by the government of India recommended for the introduction of FAIR PRACTICE CODE for lenders

39

Reserve Bank of India in consultation with government selected banks amp financial institutions has examined the feasibility of introducing the fair practice code for lenders Reserve Bank of India has finalized the guidelines amp advised Banks amp financial institutions to adopt the broad guidelines amp frame the fair practice code duly approved by their Board of Directors To fall in line with Reserve Bank of India guidelines the bank has evolved Fair practice code approved by Board of Directors Guidelines 1 Application for loans amp processing 2 Loan appraisal amp terms amp conditions 3 Disbursement of loans amp changes in terms amp conditions 4 Post disbursement supervision 5 General Dispute Resolution

1 The respective regional heads are empowered to dispose off disputes in regard to sanction of loans amp advances coming under powers of branch heads

2 In regard to sanction coming under power of regional heads deciding authority shall be respective deputy general manager general manager

3 In regard to sanctions coming under power of deputy general manager at head office General manager shall be deciding authority

4 In respect of sanctions coming under the power of general manager chief general manager EC Board chairman shall be deciding authority

MONEY LAUNDERING It is estimated that the size of Money Laundering Worldwide through the balancing channel is more tan 500 US Billion dollars to 1 million Dollars annually A record estimate has projected that Worldwide Money Laundering not only economically destabilizes a country but also exposes it to the terrorist attacks threatening its integrity and sovereignity

40

It conceals the huge illegal profits generated by unscrupulous organized criminal group in various fields The culture of these group is criminogenic and are regulatory resistant The speed amp ease of modern electronic finance have contributed a lot to the growth of this crime The emerging technologies associated with stored value smart cards digital cash amp electronic commerce will pose on unprecedented challenge to regulators generally amp law enforcement What is Money Laundering Illegal Money Money Laundering refers to Conversion Laundering of money which is illegally obtained so as to make it appear to originate from a legitimate source It is Invested transfer of money flowing from racketeering drug transactionamp illegal sources into legitimate channels so that its original source cannot be traced Multiple Transactions Money Laundering generally involves a series of Multiple transactions used to disguise a source of financial assets So that these assets may be used without compromise the criminals who are seeking to use the funds These transactions fall into 3 stages

- Placement - Layering - Integration

Objectives of Money Laundering

- Concealing the true Ownership of illegally obtained money through placement layering amp integration of such funds

- Financing cross-border terrorism

41

Disposal of Proceedings of Crime

- Cash deposits in fictitious names - Bogus trading - Smurfing - Purchase of bank drafts Payorders bankers cheques Etc - Use of Banks Loans - Benami Transactions - Stock Exchange operations - Real Estate Transactions - Use of Lottery tickets - Use of Gold Precious stones Etc - Hawala operations - Import amp export transactions

Across the world Banks have become a major target of Money Laundering Operations amp Financial crime because they provide a variety of services amp instruments that can be used to conceal the source of money Banks amp Financial Institutions are liable for Prosecution if their employees become involved in Money Laundering Activity At the Same time norms for record keeping reporting account opening amp transactions monitoring are being introduced by the central banks across the globe for checking incidence of Money Laundering

42

Preventive Measures

- Account Opening - Monitoring of transctions - Operation under Dormat accounts - Collection of Cheques Demand drafts Etc - Compliance with provision of law - Technology Related services

Cash Cash may be handled by a single cash clerk more depending on the necessity When there is more than 1 cash clerk responsibility of single lock cash box amp transfer from amp to the double lock cash closing of cash amp writing of cash register will be entrusted to anyone of them Closing of cash

- Cash clerk entrusted with the responsibility of writing the cash register amp holding single lock cash box key

- The particulars are to be labeled amp signed packets of notes amp cash should be entered in cash register

43

- The cashier should make good any shortage in cash on the same day amp if excess found it should be credited on the sundry liabilities suspense account by preparing a slip

Clearing There are different types of clearing Each type of clearing is governed by the guidelines issued by RBI Concerned authorities from time to time regarding the mode of conduct of clearing admission of bank branches minimum amount of instrument accounting procedures returning of unpaid instruments number of clearing per day Etc Clearing consists of two parts

- The cheque drawn on clearing house member banks received for collection amp presented by bank to other banks are OUTWARD

CLEARING CHEQUE - Cheques drawn on the bank amp presented by other clearing house

member banks at the clearing house are INWARD CLEARING

CHEQUES

44

Bills for Collection Bills for collection handled by the banks are of two types - Inward bills Inward bills are those which are received by bank branch for collection from outstation parties or branches other outstation banks amp drawn on parties residing within the area of its operation local parties - Outward bills Outward bills are those which are drawn on outstation parties amp tendered by local parties banks for collection

45

Safe Deposit Lockers amp Safe Custody of Articles Safe Deposit Lockers

- Introduction - Letting Out Lockers - Operation of Lockers - Renewal Termination of agreement - Collection of rent - Loss of Key - Miscellaneous

Safe Custody of Articles

- Introduction - Accepting Articles for Safe Custody - Accepting Securities for Safe Custody amp Collection of Interest - Withdrawal - Returning Articles by Post - Delivery of an article to an agent

46

- Issue of Duplicate Receipt - Miscellaneous

BANKS FAIR PRACTICE CODE Introduction As directed by the Reserve Bank of India the bank has adopted Fair Practice Code for Lenders as approved by the Board of Directors GUIDELINES

1 APPLICATIONS FOR LOANS AND THEIR PROCESSING Loan application forms in respect of priority sector advances up to Rs200 lakhs will include all information about the feescharges if any payable for processing prepayment options

All loan applications will be acknowledged and time schedule within which loan application up to Rs200 lakhs will be disposed off will be indicated in the acknowledgement of such applications The loan applications will be verified within 7 days of receipt and will intimate the borrower the additional detailsdocuments required if any immediately In the case of borrowers seeking loans up to Rs200 lakhs the Bank will convey in writing the main reasonreasons for rejecting of the loan application within 15 days of receipt of completed application

47

2 LOAN APPRAISAL AND TERMS AND CONDITIONS Bank ensures that there is proper assessment of credit application of borrowers

The bank will convey to the borrower the sanctioned credit limit along with the terms and conditions with due acceptance of the borrowers

Terms and conditions and other covenants governing the credit facilities given by the Bank shall be arrived after negotiation and shall be reduced in writing A copy of the loan agreement with copy of each of all enclosures quoted thereof will be furnished to the borrowersCredit facilities are considered solely at the discretion of the Bank and the Bank does not have any obligations to approvedisapprove the facilities allow drawings beyond the sanctioned limits honouring cheques issued for the purpose other than specifically agreed to in the credit sanction disallowing drawings for non compliance of terms and conditions of sanctions or its classification of the facility into non-performing asset Further the Bank does not have any obligation to meet further requirements of the borrower on account of growth in business without proper review and overall view of credit limits and its utilisation

In the case of Lending under consortium arrangement the participating member Banks shall evolve procedures to complete appraisal of proposals in the time bound manner to the extent feasible and communicate their decisions within a reasonable time

3DISBURSEMENT OF LOANS INCLUDING CHANGES IN TERMS AND CONDITIONS

The Bank will ensure timely disbursement of loan sanctioned in conformity with the terms and conditions governing such sanction The Bank will give notice of any change in the terms and conditions including interest rates and charges are effected only prospectively

4 POST DISBURSEMENT SUPERVISION

Post disbursement supervision by the Bank particularly in respect of loans up to Rs200 lakhs will be constructive with a view to taking care of any lender-related genuine difficulty that the borrower may face

The Bank will give notice of a reasonable period to the borrower if the Bank decides to recall accelerate payment or performance under the agreement or seeking additional securities

The bank will release all securities on receiving payment of loan subject to any legitimate right or lien for any other claims by the bank may have against borrowersIf such right of set off is to be exercised borrowers shall be given notice about the

48

same with full particulars about the remaining claims and the documents under which the bank is entitled to retain the securities till the relevant claim is settledpaid

Cheque Collection Policy

Immediate Credit of Local outstation cheques Bank will accord immediate credit in respect of outstation cheques up to a specified limit ( presently up to Rs15000=) subject to certain conditions as advised by RBI from time to time Time frame for collection of local outstation instruments At present for collection of outstation cheques in the four metropolitan centers having MICR cheque clearing system in respect of state capitals amp centers with more than 100 bank offices is 7 days under the National clearing Scheme and in the case of local cheques is 2nd or 3 rd working day depending on the distance of the branch from the clearing house Interest payment for delayed collection Bank will pay interest for delayed credit of outstation cheques as per RBI rules and regulations Interest will be paid at the rate as applicable for appropriate tenor of fixed deposit for the period of delay beyond 10 14 days in collection of outstation instruments Further Bank will pay penal interest at the rate of 2 above the fixed deposit rate applicable for abnormal delay ( ie delay of more than 90 days beyond the normal collection period) caused by the branch in collection of outstation instruments In respect of cheques lost in transit or in the clearing process or at the paying bank`s branch the bank should immediately bring the same to the notice of the account holder so that account holder can inform the drawer to record stop payment and can also take

49

care that other cheques issued by him are not dishonoured due to non-credit of the amount of the lost cheques instruments The onus of such loss lies with the collecting banker and not the account holder The banks should reimburse the account holder related expenses for obtaining duplicate instruments and also interest for reasonable delays occurred in obtaining the same

If the cheque instrument has been lost at the paying bank`s branch the collecting banker should have a right to recover the amount reimbursed to the customer for the loss of the cheque instrument from the paying banker

II TO RESOLVE ANY DISPUTES ARISING IN THIS REGARD

Respective Regional Heads are empowered to dispose off disputes in regard to sanction of loans and advances coming under the powers of Branch Heads

In regard to sanctions coming under the powers of Regional Heads deciding authority shall be respective Deputy General Managers

In regard to sanctions coming under the powers of Deputy General Managers General Manager shall be the deciding authority

In respect of sanctions coming under the power of General Managers Chief General Managers EC Board Chairman shall be the deciding authority

50

FAIR PRACTICE CODE FOR COLLECTION OF DUES AND REPOSSISSION OF SECURITY

Preamble

Fair Practice Code for collection of Dues and Repossession of Security (CDRS code) is a non-statutory code adopted for implementation by the Bank with immediate effect on voluntary basis

Applicability

This code will be applicable with immediate effect on the declaration to the Public at large by putting up a notice on the notice board at all the offices of the Bank and also hosting it in Banks website

Objective

1) Adoption of fair practices which are legal ethical and just especially with regard to collection of dues and repossession of security

2) Fostering customer confidence and long-term relationship

51

Guidelines on Dues Collection Policy

1 Bank will always maintain dignity and respect to its customers

2 Bank will not follow unduly coercive methods in collection of dues

3 Courtesy fair-treatment and persuasion will be the guiding principle in collection of dues

Guidelines on Security Repossession Policy

1 Assets HypothecatedMortgaged to the bank may be repossessed only with an aim at recovery of banks dues in the event of default and is not aimed at whimsical deprivation of the assets

2 The policy guidelines recognizes fairness and transparency in repossession valuation and realization of security

General Guidelines

Members of the staff or any person authorized to represent our bank in collection of dues and or security repossession will follow the following guidelines

1 Customer would be contacted ordinarily at the place of his choice and in the absence of any specified place at the place of his residence in the case of retail customers and in the place of business or residence as the case may be in the case of other customers

2 Identity and authority to represent would be made known to the customer at the first instance

3 Customer privacy would be respected

4 Interaction with the customer would be in acceptable business language

5 Customer calling time would be between 0700 hrs and 1900 hrs unless the special circumstances of the borrowers business or occupation demands otherwise

6 Customer requests to avoid calls at a particular time or at a particular place would be honoured unless and until it is found that such requests are not genuine and in the intention of avoiding the calls

52

7 Gist of the discussions with date and place would be documented

8 Customer would be provided with all the information regarding dues and necessary notice would be given for enabling discharge of dues

9 Reasonable notice would be given to resolve disputes or differences in a mutually acceptable and in an ordinary manner if any as regards dues

10 During visits to customers place for dues collection decency and decorum would be maintained

11 Inappropriate occasions such as bereavement in the family or such other calamitous occasions would be avoided for making callsvisits to collect due

12 Demeanor that would suggest criminal intimidation or threat of violence would be scrupulously avoided

Grievance Redressal

1 Complaints for redressal may be made to any of our Branches Regional office or directly to the Head Office

2 All such letters shall be addressed to the Chief Manager Vigilance Department Karnataka Bank Limited Head Office Mangalore 02

3 Complaints can be handed over to the Branch Regional Office for onward delivery to the Vigilance Department

4 All complaints will be duly acknowledged by the receiving Branches ROs

5 Receiver of the complaint shall immediately forward the same to the Chief Manager Vigilance Department with hisher remarkscommentsclarifications

6 The Vigilance Department will keep a record of all such complaints received and will follow it up until disposed as per the extant guidelines in place

7 Responses to your complaint whether positive or negative or requiring more time for redressal would be given within a maximum period of 4 weeks from the date of

53

complaint unless the nature of the complaint is such that it requires verification of voluminous facts and figures

FAIR PRACTICE CODE FOR DEBIT CARD OPERATIONS-

About this code

This is a voluntary Code The purpose of this Code is to have a benchmark service standard in our dealings while issuing and dealing in Debit Cards and will guide our staff in dealing with our customers The code is expected to help the Debit Card holder customers in knowing their rights and also measures they should take to protect their interests We

propose to place this code on our web site and make copies available to our customers on demand

12 Though a voluntary document adoption of this Code is expected to promote customer confidence in our Debit Card products and bring about better understanding between the Bank and its Customers and thereby encourage achievement of higher operatingservice standards to benefit our customersof brevity and clarity in this Code

a) Debit Card shall mean and denote the Debit Card Issued by the Karnataka Bank Ltd either independently or in association with any othe like Visa International etc

b) We us our Bank shall mean and denote the Karnataka Bank Ltd

54

c) You shall mean and denote the Customers of the Karnataka Bank Ltd who hold or have applied for Karnataka Bankacircs Debit Card

d) Code means and shall denote The Fair Practice Code for Debit Card Operations - being these covenants

e) Tariff Charges Fees Interest or Commission shall mean and denote only those TariffChargesFeesInterest or Commission prescribed by the Karnataka Bank ltd and it will be independent of and will not include the TariffChargesFees whatsoever that may be charged or levied by other Acquirer Host for using their sitenetwork and which charges will be passed on to our customers in addition to our charges All such charges will be levied and debited to the account of the Debit Card Holder Customeracircs account

14 The standards of the Code shall be governed by the four key commitments detailed in section 2 written hereunder

15 Unless stated otherwise all parts of this Code apply to all the Debit card products and services whether we provide them across the counter over the phone on the internet or by any other method

16 Commitments outlined in this Code are applicable under normal operating environment In the event of force majeure (ie under circumstances beyond our control) we may not be able to fulfill the commitments detailed under this Code

Key commitments-

We promise to

21 Act fairly and reasonably in all our dealings with you by

meeting the commitments and standards in this Code for the products and services

we offer and in the procedures and practices our staff agents follow

making sure our products and services meet relevant laws and regulations

ensuring that our dealings with you will rest on principles of integrity and transparency

Not engaging in any unlawful or unethical consumer practice

22 Help you to understand how our Debit card products and services work by giving you the following information in a simple language

what are the benefits to you how you can avail of the benefits

55

what are their financial implications whom you can contact for addressing your queries and how

23 Deal quickly and effectively with your queries and complaints by

offering channels for you to route your queries listening to you patiently accepting our mistakes if any correcting mistakes implementing changes to address your queries communicating our response to you promptly telling you how to take your compliant forward if you are not satisfied with the

response

24 Publicize this code by making it available for public access on our website and make copies available for you on request

3 Information (To help you to choose products and services which meet your needs

31 Before you become a Debit card customer we will

give you information explaining the key features of our Debit card products including applicable fees and charges advise you what information documentation we need from you to enable us to issue

Debit card to you We will also advise you what documentation we need from you with respect to your identity address employment etc and any other document that may be stipulated by statutory authorities (eg PAN details) in order to comply with legal and regulatory requirements While you apply for Debit card we will explain the relevant terms and conditions such as fees and charges renewal and termination procedures and any other information that you may require with regards to the Debit Cards and its operations

32 We will advise you of the turn around time that may be required by us to respond to you while you are availingapplying for a service

56

33 We will make available to you a service guidebrochurebooklet giving detailed terms and conditions fees and charges applicable and other relevant information with respect to the usage of your Debit card along with your first Debit card

34 We will advise you our contact details such as contact telephone numbers postal address website e-mail address to enable you to contact us whenever you need to

35 If you do not recognize a transaction which appears on your Bank account statement on account of usage of Debit card we will try to provide you more details on such transaction if you ask us However we may need you to give us confirmation or evidence that you have not authorized such a transaction

36 We will inform you through our service guidebrochurebooklet of the losses on your account that you may be liable if your card is lost misused

4 Tariff (FeesCharges etc) You may ascertain our chargesfee etc by

Referring to the service guide booklet Branch Notice Board Calling up on customer service numbers Visiting our website or Asking our designated staff

42 When you become our Debit Card holder customer and if you apply for and if you are sanctioned with our K-power overdrawing facility we will provide you information on the K-Power facility and the maximum extent to which you may overdraw your account how and when you have to repay or regularize such over drawings and the interest rates applicable on your over drawings and we will charge the same interest for over drawings in your account

43 If you ask us we will also explain how we apply interest to you account

Changes in our tariff

57

44 When we changerevise our tariff on our Debit card products we will update the information on our telephone help-line website

45 As regards the chargesfees etc of any of acquirer host for using their network we expect you to independently enquire and ascertain from time to time the ChargesFees etc whatsoever that may be charged or levied by other Acquirer Host on your using their network However we also will try to update you on such charges

Marketing Ethics

Field Personnel

Debit Cards are normally issued by us through our staff working at respective Branches However in case we engage any salesmarketing representatives such representatives will identify themselves when they approach you for selling our card products In the event of receipt of any compliant from you that our representatives hashave engaged in any improper conduct we shall take appropriate steps to redress your compliant

Telemarketing

If our staff agents contact you over phone for selling any of our Debit card products or with any cross sell offer the caller will identify himself herself and advise you that he she is calling on our behalf Please note that such phone calls if any will be restricted to provide you productsacirc information or to convey you more about ourselves and we

request you not to divulge or converse on any confidential information related to your account and Debit Card

Issuance of Debit Card PIN

61 Our Debit Cards are delivered to you personally by our Officials at the branch where you have submitted your application for the Debit Card Officials from our branch which maintains your account and where you have submitted application for Debit Card may also visit your place at the address provided by you and deliver the Debit Card to you

62 Debit Cards are issued in deactivated (not ready to use) mode and after issuing the Debit Card to you the card needs to be activated in the system which will be done within a reasonable time You can start using the Debit Card only after the Card is activated

63 We expect you to read the `User Manualacirc and strictly follow all the safety measures required to be followed by you as regards safety of the Debit Card and security aspect regarding its operation

58

Account Operations

Debit card statements

71 All your purchases and cash withdrawals using the Debit Card will be debited to your account instantly and your Bank account statementpass book will contain all your transactions using the Debit Card However on some very rare occasions due to certain exceptional delayed responses owing to switch or connectivity related problems debits representing your transactions using the Debit Card may not occur instantly but with some delay We advise you to obtain your Bank account statementspass books at regular intervals and peruse the same As and when we launch Internet Banking facility you may also avail of the same and you may access your account online and inter alia check details of your purchases cash drawings using the Debit card

72 We will let you know notify changes in schedule of fees and charges and terms and conditions through our web site andor displaying it on the Notice Boards at our Branches Normally changes (other than interest rates and those which are a result of regulatory requirements) will be made with prospective effect giving notice of at least 15 days

Protecting your Debit Cardaccount

73 We will advise you what you can do to protect your Debit card from misuse This information is normally available in the `User Manualacirc

74 In the event your Debit card has been lost or stolen we will on your duly notifying us take immediate steps and try to deactivate the card to prevent it from being misused subject to operating regulations and laws in force

Processing activities at our end

75 We may allow processing of Debit cards related activities including operations and cross selling to third party agencies that we consider appropriate for these purposes

Confidentiality of Account Details

59

81 We will treat all your personal information as private and confidential We will not reveal transaction details of your accounts to any third party including other entities if any in our group except in the following four exceptional circumstances

if we have to give the information by law if there is a duty towards the public to reveal the information if our interests require us to give the information (for example to prevent fraud) but

we will not use this as a reason for giving information about you or your accounts (including your name and address) to anyone else including any other companies if any in our group for marketing purposes

if you ask us to reveal the information or if we have your permission to provide

such information to our group associate entities or companies when we have tieacircup arrangements for providing other financial service products

Redressal of your complaints internally

We have our `Customer Care Centreacirc at Bangalore with a toll free telephone line

You will seek redressal of your grievances if any first from our Customer Care Center If you are not happy about the outcome you are requested to post your suggestioncomplaint to our Deputy General Manager PampD Head Office Mahaveera Circle Mangalore - 575002

Banking Ombudsman Services

If you do not get a satisfactory response from us within 60 days of lodging a compliant and you wish to pursue other avenues for redressal of your grievances you may approach Banking Ombudsman appointed by Reserve Bank of India under Banking Ombudsman Scheme 2002

Termination of Debit Card

60

111 You may terminate your Debit card by giving notice to us and by following the procedure laid down by us in our service guide member booklet after clearing outstanding dues if any

112 We may terminate your Debit card if in our opinion you are in breach of the Cardholder Agreement

Feedback and Suggestions

Please help us to serve you better by providing feedback on our services Your suggestions will help us to improve our services

SWOT ANALYSIS

STRENGTH

ITS MAJOR STRENGTH IS ITS LOYAL CUSTOMERS IT HAS AROUND 22MILLION POS AND AROUND 945000 ATMS (OWN AND ON

SHARING BASIS) AND 420 BRANCHES IT ENJOYS GOOD REPUTATION AND HAS BUILD GOODWILL AROUND THE

STATE AND NOW IT IS MAKING ITS PRESENCE IN NATIONAL SCENARIO TIMINGS OF THE IS VERY CONVENIENT TO THECUSTOMERS FOR AVAILING

THEIR SERVICES THE MANAGEMENT HAS EFFECTIVE MAN POWER IN THE BRANCH THE BRANCH IS FULLY COMPUTERISED WHICH HELPS IT TO PROVIDE

QUICK SERVICES AND NO DELAY IN TRANSACTIONS THE LOCATION OF THE BRANCH IS SO CONVENIENT AND IT IS IN THE

CENTER OF THE CITY

61

THE ATM IS LOCATED JUST OPPOSITE TO THE BRANCH WHICH ENABLES 24 HOUR SERVICE TO CUSTOMER FOR WITHDRAWALS

OTHER THAN BANKING SERVICES IT ALSO PROVIDES VARIOUS SERVICES LIKE ONLINE RAILWAYAIRLINES TICKET BOOKINGSCYBER KID BANKINGMBB AC FACILITY ETC

THE PROCEDURES FOR PERFORMING ANY TRANSACTION I THE BANK IS VERY CONVENIENT

THE BRANCH IS FOLLOWING RBIS GUIDELINES FOR MAINTANENCE AND

DISPLAY OF RECORDS

WEAKNESS

LACK OF BASIC INFRASTRUCTURE IMPROPER TRAINING FACILITY TO EMPLOYEES FOR HANDLING THE

COMPUTRES WHICH CREATES DELAY IN TRANSACTIONS ATMs ARE NOT SETUP AT ALL PLACES BRANCHES ARE FEWER IN NUMBER COMPARED TO NATIONAL BANKS

OPPORTUNITIES-

BASIC INFRASTRUCTURE CAN BE IMPROVED AND CUSTOMERS CAN BE EASILY ATTRACTED

62

PROPER TRAINING CAN BE GIVEN TO THE EMPLOYEES WHICH HELPS IN QUICKER TRANSACTION

HAS TO OPEN MORE AND MORE BRANCHES AT METROPOLITIAN AND OTHER CAPITALS AND MAJOR TOWNS AT VARIOUS PLACES

THREATS-

FROM VARIOUS INTERNATIONAL BANKS SUCH AS HDFCHSBC ABN AMRO AND NATIONAL BANKS

FROM FOREIGN BANKS PROVIDING ONLINE TRANSACTIONS LOOSING POTENTIAL CUSTOMERS BECAUSE OF COMPETITIVE

INTEREST RATES BY OTHER BANKS

SUGGESTIONSRECOMMENDATIONS

KARNATAKA BANK HAS AROUND 415 BRANCHES AND 125 OWN ATMs ON SHARING BASIS WITH VARIOUS BANKS IT HAS AROUND 901 ATMs HOWEVER BASED ON ANALYSIS FOLLOWING SUGGESTIONS CAN BE CONSIDERED

THE ROLE TO EACH EMPLOYEE SHOULD BE SPECIFIED SO THAT HE CAN PERFORM IT BETTER

THE TRAINING TO THE EMPLOYEES SOULD BE GIVEN ON REGULAR BASIS

ALL BRANCHES HAS TO BE COMPUTERISED SO TRANSACTIONS CAN BE QUICK

63

BIBILOGRAPHY

WEBSITE-

WWWKARNATAKABANKLTDCOM

WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64

BANKS BEST PRACTICE CODE

BANKS BROUCHERS

KARNATAKA BANKS ANNUAL REPORT

2

EXECUTIVE SUMMARY The MBA course offered by Bangalore University has a unique syllabus which requires its MBA students to undertake an internship with any of the leading business houses for a period ranging from 6-8 weeks during the second semester The purpose of this internship is to enable the students to appreciate and understand the nuances of practical world vis-agrave-vis the theoretical input administered during regular academic sessions This helps in creating managers Who are equipped with the experience of linking the theoretical input with those of practical exposure and come out with creative solutions ideas in enhancing the business In partial fulfillment of MBA degree of Bangalore University I took up this organizational study Experience and knowledge I gained from KARNATAKA BANK LTD are elaborated in the following pages This report includes the history of Indian Banking sector and an overview of KARNATAKA BANK LTD and banks profile later pages elaborate various kinds

of products and services offered by Karnataka bank branch profile share prices at NSE share capital structure continuous improvement essentials records require in all branches as per RBI norms some important definitions risk categorization of customersetc

Vishal choprav

3


4


5


6


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


3


4


5


6


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


4


5


6


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


5


6


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


6


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


7

TABLE OF CONTENTS

1 INDUSTRY PROFILE

2 COMPANY PROFILE




30-06-2006




9 BRANCH PROFILE




13 SWOT ANALYSIS


13 BIBILOGRAPHY

8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


8







9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


9



HISTORY




10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


10

TECHNOLOGY








11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


11








Monetary Policy





12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


12



13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


13



14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


14


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


15


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


16


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


17





18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


18


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


19



20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


20


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


21






22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


22





23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


23


--------------------------------------------------------------------------------------------------------------------------


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


24

PRESS RELEASE




















25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


25



31032006

Rs in Crore

AUDITED

Quarter

ended

3132006

Quarter

ended

31032005

Year ended

31032006

Year ended

31032005

1

Interest

Earned

(a+b+c+d)

27088 20672 101804 83993

a) InterestDiscount


b) Income on

Investments 9521 8498 37225 35682

c)

Interest on

balances with

Reserve Bank of

India and other

inter bank funds

753 654 3106 2010

d) Others 061 377 003 381

2 Other Income 3719 3854 16680 22115

A TOTAL INCOME

(1+2) 30807 24526 118484 106108


Operating

expenses (e+f) 4147 5203 20448 19733

e)

Payments to and

provisions for

employees

1631 3079 11614 12516

26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


26

f) Other operating

expenses 2516 2124 8834 7217

B

TOTAL

EXPENDITURE

(3+4)

(Excluding

provisions amp

Contingencies)

21126 17512 85655 72037

C

OPERATING

PROFIT (A-

B)(Profit before

provisions amp

contingencies)

9681 7014 32829 34071

D Other Provisions


E Provisions for

taxes 2556 3470 9306 9310

F NET PROFIT (C-D-

E) 5101 4025 17603 14715

5 Paid up equity

share capital 12127 12125 12127 12125

6

Reserves

excluding

revaluation

reserves

98986 85679

7 Analytical Ratios

i)

Percentage of

shares held by

Government of

India

Nil Nil Nil Nil


Ratio () 1178 1416 1178 1416

iii)

Earning per share

(Rs)

Not Annualised

Weighted Average

421

809

1452

3406

8

Aggregate of Non-

promoter Share

holding

-No of shares

-Percentage of

share holding

121260348

100

121240348

100

121260348

100

121240348

100

27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


27

Notes



Pension etc


shares






quarter




Nil 48 48 Nil





28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


28

SEGMENTWISE RESULTS




Operations Total


Business

Segment

s

31032006 31032005 3132006 3132005 31032006 31032005

Particulars

Revenue 21980 29507 96504 76601 118484 106108

Result 1150 8180 28412 18329 29562 26509

Unallocated

expenses 2653 2484

Profit before

tax 26909 24025


Extraordinary

profitloss 000 000


Other information

Segments

Assets 261602 221582 1219497 1019617 1481099 1241199

Unallocated

Assets 14228 11473

Total Assets 1495327 1252672

Segments

Liabilities 254632 211703 1210248 1013474 1464880 1225177

Unallocated


Total



29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


29


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


30


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


31



32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


32


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


33



EQ 20-Jul-2006 8025 8125 8390 8125 8255 161610 13382

EQ 21-Jul-2006 8255 8150 8250 8070 8140 65643 5335

EQ 24-Jul-2006 8140 8180 8710 8180 8610 420931 35908

EQ 25-Jul-2006 8610 8700 9325 8700 9065 772375 69819

EQ 26-Jul-2006 9065 9110 9290 9000 9220 419873 38410

EQ 27-Jul-2006 9220 9295 9650 9200 9540 822730 77860

EQ 28-Jul-2006 9540 9690 9800 9450 9510 415694 39900

EQ 31-Jul-2006 9510 9600 9625 9475 9500 252282 24006

EQ 01-Aug-2006 9500 9305 9595 9305 9520 186815 17762

EQ 02-Aug-2006 9520 9650 9930 9525 9795 761798 74139

EQ 03-Aug-2006 9795 9920 9985 9770 9840 397612 39398

EQ 04-Aug-2006 9840 9940 9940 9550 9620 425248 41251

EQ 07-Aug-2006 9620 9600 9695 9410 9470 214018 20331

EQ 08-Aug-2006 9470 9550 9825 9550 9760 135832 13246

EQ 09-Aug-2006 9760 9510 9950 9505 9875 159092 15712

EQ 10-Aug-2006 9875 9900 9990 9655 9840 98415 9700

EQ 11-Aug-2006 9840 9875 10250 9875 10015 345664 34749

EQ 14-Aug-2006 10015 10090 10390 10090 10310 393414 40498

EQ 16-Aug-2006 10310 10450 10695 10400 10555 454386 47907

EQ 17-Aug-2006 10555 10600 10850 10370 10775 670871 71236

EQ 18-Aug-2006 10775 10800 10865 10540 10620 242157 25775

EQ 21-Aug-2006 10620 10700 10980 10510 10685 229994 24636

EQ 22-Aug-2006 10685 10710 11090 10710 11020 719452 79096

EQ 23-Aug-2006 11020 11050 11275 11000 11115 654605 72944

EQ 24-Aug-2006 11115 11150 11190 10960 11140 508464 56187

EQ 25-Aug-2006 11140 11350 11350 10960 11030 258840 28740

EQ 28-Aug-2006 11030 11090 11420 11000 11300 674639 76136

EQ 29-Aug-2006 11300 11225 11400 11140 11205 182523 20643

EQ 30-Aug-2006 11205 11230 11340 11175 11220 313891 35262

EQ 31-Aug-2006 11220 11325 11325 11000 11040 283793 31628

34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


34













35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


35


Gold Mortgage

36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


36





37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


37








38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


38





39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


39







40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


40






41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


41




42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


42

Preventive Measures





43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


43






CHEQUES

44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


44


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


45





46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


46





47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


47











48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


48




49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


49








50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


50


Preamble


Applicability


Objective



51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


51








General Guidelines








52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


52







Grievance Redressal








53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


53



About this code






54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


54







Key commitments-

We promise to









55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


55




response







56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


56










57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


57



Marketing Ethics

Field Personnel


Telemarketing







58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


58

Account Operations










59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


59












60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


60





SWOT ANALYSIS

STRENGTH






CENTER OF THE CITY

61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


61





DISPLAY OF RECORDS

WEAKNESS



OPPORTUNITIES-


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


62



THREATS-









63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


63

BIBILOGRAPHY

WEBSITE-


WWWKTKBNKLTDCOM

WWWYAHOOCOM

WWWWESTERNUNIONCOM

WWWGOOGLECOM

WWWNSEINDIACOM

WWWBSEINDIACOM

BOOKS-

64


BANKS BROUCHERS


64


BANKS BROUCHERS


Karnataka Bank Vishal Chopra 05110

Documents

Transcript of Karnataka Bank Vishal Chopra 05110