BALANCE SHEET

AS AT DECEMBER 31, 2009

ASSETS

Cash and balances with treasury banks

          44,578,637

          24,784,571

Balances with other banks

     2,538,195,884

     1,302,616,846

Lendings to financial institutions

     2,083,870,748

     1,335,000,000

Investments - net

     7,403,286,526

     8,602,574,102

Advances - net

     5,609,524,360

     6,304,576,549

Operating fixed assets

     2,282,313,203

     2,369,626,607

Deferred tax assets - net

        129,962,515

        117,296,940

Other assets - net

     1,119,387,316

     1,077,129,665

    21,211,119,189

    21,133,605,280

LIABILITIES

Bills payable

Borrowings

     8,160,658,100

    10,843,442,667

Deposits and other accounts

     2,635,847,714

     1,420,000,000

Sub-ordinated loans

Deferred tax liabilities

Liabilities against assets subject to finance lease

Deferred liabilities

          71,645,385

          80,563,586

Other liabilities

        264,020,066

        194,264,909

    11,132,171,265

    12,538,271,162

NET ASSETS

REPRESENTED BY

Share capital

     6,000,000,000

     5,000,000,000

Reserves

     2,520,383,519

     2,405,924,590

Accumulated loss

      (528,064,364)

      (918,583,349)

     7,992,319,155

     6,487,341,241

Deficit on revaluation of securities - net of tax

        (25,451,367)

        (89,311,430)

Surplus on revaluation of operating fixed assets - net of tax

     2,112,080,136

     2,197,304,307

    10,078,947,924

     8,595,334,118

CONTINGENCIES AND COMMITMENTS

The annexed notes 1 to 43 form an integral part of these financial statements.