SCHEDULE 12 - CONTINGENT LIABILITIES				(Rs.000 omitted)
		As on 31.03.2005		As on 31.03.2004
I.(i)	Claims against the Bank not acknowledged as debts		1537013		2146862
(ii)	Disputed income tax and interest tax demands under appeals,references,etc.		839712		377472
II.	Liability for partly paid investments		1755		1755
III.	Liability on account of outstanding forward exchange contracts		266785466		195434700
IV.	Guarantees given on behalf of constituents:
	(a) In India		56879741		39950677
	(b) Outside India		8492587		11314548
V.	Acceptances, endorsements and other obligations		83263930		71679378
VI.	Other items for which the Bank is contingently liable		2212761		1394873
	TOTAL of I, II, III, IV, V, VI		430012965		322300265