Performance Highlights Q 3 FY 01 25 th

Performance Highlights: Q 3 FY 01 25 th January, 2001

Snapshot é é é PAT up 53% Yo. Y 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) é Retail deposits increase to 57% of total deposits (31%) é NRI accounts doubled to 46, 000 é ATMs cross 400 mark (175) Figures in brackets are as of 31 st March 2000

Snapshot é é Infinity accounts reach 4, 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 é Corporate banking relationships reach 1116 (852) é 90% of incremental exposure to clients rated A and above é B 2 B initiatives extended to 241 companies Figures in brackets are as of 31 st March 2000

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

Operating Profit Rs. in crore l Net interest income up by 148% (Yo. Y) l Core Fee income doubles l Operating Profit up by 43%

Profit Statement Rs. in crore l Net profit up by 53% Yo. Y (9 months) and 43% Yo. Y (Q 3) l Operating Profit up by 43% Yo. Y (9 mths) and 16% Yo. Y (Q 3)

Q 3 Operating Profit Rs. in crore

Q 3 Profit Statement Rs. in crore

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

Non-interest income Rs. in crore l Commission income doubles l Trading income takes a severe beating in H 1 but recovers in Q 3 l Forex remuneration includes Rs. 14. 23 crore being the translation gain on ADR proceeds.

Non Performing Assets Rs. in crore except percentages

Income Statement: US GAAP Rs. in crore

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