CONSOLIDATED BALANCE SHEET

AS AT DECEMBER 31, 2009

ASSETS

Cash and balances with treasury banks

               44,886,018

               26,205,149

Balances with other banks

           2,595,452,561

           1,448,979,617

Lendings to financial institutions

           2,220,072,818

           1,185,000,000

Investments - net

           6,615,448,943

           8,289,122,648

Advances - net

           9,785,154,273

         11,992,943,499

Operating fixed assets

           2,473,565,207

           2,734,082,141

Goodwill

                           -  

                           -  

Deferred tax assets - net

             278,080,313

               66,135,757

Other assets - net

           1,714,896,630

           1,869,297,603

Investment property

             276,672,130

               21,239,393

         26,004,228,893

         27,633,005,807

LIABILITIES

Bills payable

Borrowings

         10,793,122,442

         13,724,387,470

Deposits and other accounts

           4,436,252,661

           4,399,029,622

Sub-ordinated loans

Deferred tax liabilities

Liabilities against assets subject to finance lease

Underwriting provision

             299,819,036

             401,257,708

Deferred liabilities

               71,645,385

               92,370,199

Other liabilities

             489,626,699

             434,123,468

         16,090,466,223

         19,051,168,467

NET ASSETS

           9,913,762,670

           8,581,837,340

REPRESENTED BY

Share capital

           6,000,000,000

           5,000,000,000

Reserves

           2,520,383,519

           2,405,924,590

Accumulated loss

            (800,718,601)

         (1,062,415,586)

           7,719,664,918

           6,343,509,004

Minority interest

             229,678,308

Deficit on revaluation of securities - net of tax

             (27,858,910)

            (195,719,234)

Surplus on revaluation of operating fixed assets

           2,118,957,161

           2,204,369,262

           9,913,762,670

           8,581,837,340

CONTINGENCIES AND COMMITMENTS

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