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Performance Highlights: Q3-FY01

Performance Highlights: Q3-FY01. 25th January, 2001. Snapshot. PAT up 53% YoY Net interest income up 148% Spread increases to 2.75% Cost of deposit < 8% 1 mn new customer accounts added (from 0.65 m to 1.68 mn) Retail deposits increase to 57% of total deposits (31%)

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Performance Highlights: Q3-FY01

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  1. Performance Highlights: Q3-FY01 25th January, 2001

  2. Snapshot • PAT up 53% YoY • Net interest income up 148% • Spread increases to 2.75% • Cost of deposit < 8% • 1 mn new customer accounts added (from 0.65 m to 1.68 mn) • Retail deposits increase to 57% of total deposits (31%) • NRI accounts doubled to 46,000 • ATMs cross 400 mark (175) Figures in brackets are as of 31st March 2000

  3. Snapshot • Infinity accounts reach 4,00,000 (1,10,000) • PPA relationships increase to 3000 (950) • No. of credit cards reach 130,000 (10,656) • Products launched: debit card, smart card and ATM VISA acquisition • Corporate banking relationships reach 1116 (852) • 90% of incremental exposure to clients rated A and above • B2B initiatives extended to 241 companies Figures in brackets are as of 31st March 2000

  4. Business Levels Rs. in crore 1 mn new customer accounts added SB Crosses Rs.1000 cr. Retail deposits reach 57% of total deposits

  5. Operating Profit Rs. in crore • Net interest income up by 148% (YoY) • Core Fee income doubles • Operating Profit up by 43%

  6. Profit Statement Rs. in crore • Net profit up by 53% YoY (9 months) and 43% YoY (Q3) • Operating Profit up by 43% YoY (9 mths) and 16% YoY (Q3)

  7. Q3 Operating Profit Rs. in crore

  8. Q3 Profit Statement Rs. in crore

  9. Interest Spread Rs. in crore • On advances • Increasing exposures to higher rated corporates • Increase in short-term loans based on tenor based PLR • Increase in exposure under Multi Currency credit • Reduction in yield due to interest derecognition • On deposits • Increase in demand deposit composition

  10. Non-interest income Rs. in crore • Commission income doubles • Trading income takes a severe beating in H1 but recovers in Q3 • Forex remuneration includes Rs.14.23 crore being the translation gain on ADR proceeds.

  11. Non Performing Assets Rs. in crore except percentages

  12. Income Statement:US GAAP Rs. in crore

  13. Thank You

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