ANNUAL REPORT
2007-08 : COVER PAGE
HIGHLIGHTS
BOARD OF DIRECTORS
DIRECTORS' REPORT
CORPORATE GOVERNANCE
BASEL-II DISCLOSURES
BALANCE SHEET

PROFIT & LOSS ACCOUNT

SCHEDULES (1-16)

PRINCIPAL ACCOUNTING POLICIES
(SCHEDULE-17)

NOTES ON ACCOUNTS
(SCHEDULE-18)

AUDITORS' REPORT

MANAGEMENT COMMITTEE

NOTICE TO SHAREHOLDERS

VIEW COMPLETE REPORT