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Performance Review H1-2000-2001

Performance Review H1-2000-2001 Contents Snapshot Retail Banking Corporate Banking Performance Indicators US GAAP H1-2000 Snapshot Net Profit up 59% YoY Net interest income up 154% Cost of deposit < 8% Core Fee income doubles Customer accounts reach 1.2 mn (0.65 mn)

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Performance Review H1-2000-2001

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  1. Performance ReviewH1-2000-2001

  2. Contents • Snapshot • Retail Banking • Corporate Banking • Performance Indicators • US GAAP

  3. H1-2000 Snapshot • Net Profit up 59% YoY • Net interest income up 154% • Cost of deposit < 8% • Core Fee income doubles • Customer accounts reach 1.2 mn (0.65 mn) • NRI accounts cross 40,000 (23,400) • ATMs cross 310 (175) • Infinity accounts reach 2,66,000 (1,10,000) • PPA relationships increase to 2500 (950) • No. of credit cards reach 69000 (10,656) • Corporate assets relationships reach 968 (852) • CMS relationships reach 282 (254) (Figures in brackets are as of 31st March 2000))

  4. H1- 2000 Snapshot (contd.) • Higher infrastructure and new products expenditure for retail business • Decline in Trading Income • Cost to Income Ratio increases to 52% • Adverse Mark-to-market impact • Higher loan loss provisioning

  5. Business Levels Rs. million • Savings deposits up by 207% • Composition of demand deposits increases due to retail thrust • Retail deposits constitute 48% of total deposits • Customer accounts increases to 1.26 mn from 0.65 mn in March 2000

  6. Summary Ratios (Indian GAAP) *: Not annualised

  7. Contents • Snapshot • Retail Banking • Corporate Banking • Performance Indicators • US GAAP

  8. Growth in Customer accounts 1,245,000 637,000 95% growth 31.3..2000 30.09.2000

  9. Growth in Retail deposits Rs. 46,840 mn Rs. 30,570 mn 53% growth 31.3.2000 30.9.2000

  10. Share of Retail deposits in Total deposits Retail Corporate

  11. Channel Growth Branches ATMs Call Centre

  12. Growth in Registration for channels Telephone banking Mobile Banking

  13. New Product Launches

  14. NRI Services • 1,600 Money2India remittances received for total value of USD 6.50 million • 8,000 On line accounts opened • Total NRI deposits Rs. 5,380 mn Rs.8,020 mn 31.03.2000 30.09.2000

  15. Other initiatives • B2C initiatives • 24 billers registered till date across 11 cities • Tie up with 10 shopping malls • Third party distribution • 9% GOI Relief Bonds • Mutual Funds on the Net - Tie up with 6 Mutual Funds

  16. Contents • Snapshot • Retail Banking • Corporate Banking • Performance Indicators • US GAAP

  17. Initiatives taken • Revised Loan Policy put in place. • 90 % of Incremental Assets rated A & above. • Rating Exercise: • All new accounts approved only after rating. • 80% of asset Exposure re-rated under new rating model. • Entire CMS & Corporate treasury instruments relationships rated. • Bankers to NSE. • Capital Market Segment Launched. • Institutional Group, SBG, and ABG created. • Risk participation in L/Cs. • Entry into all major oil refinery accounts

  18. Initiatives taken(contd.) • Dividend warrant business added to suite of CMS services - 79 issues , value Rs.12,011 mn, average float Rs. 300 mn • Roll out of Corporate related agricultural funding products - 4 corporates, 5000 borrowers, Rs. 550 mn exposure approved. • Corporate Vendor/ Dealer funding products with 12 corporates, 215 dealers, Rs. 130 crores exposures approved. • Tie-up with 5 Vortals for B2B services.

  19. Incremental Market share in Assets

  20. Core Fee Income Rs. million

  21. Assets: Industry-wise - Top 10: Sept 30, 2000

  22. Contents • Snapshot • Retail Banking • Corporate Banking • Performance Indicators • US GAAP

  23. Balance Sheet: Liabilities Rs. million

  24. Balance Sheet: Assets Rs. million

  25. H1 Operating Profit Rs million • Net interest income up by 155% (YoY) • Core Fee income doubles • Operating Profit up by 62%

  26. H1 Profit Statement Rs. million • Net profit up by 59% • Operating Profit up by 62% YoY

  27. Q2 Operating Profit Rs. million

  28. Q2 Profit Statement Rs. million

  29. Interest Spread • 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

  30. Contents • Snapshot • Retail Banking • Corporate Banking • Performance Indicators • US GAAP

  31. Income Statement: US GAAP Rs. million Net income down due to MTM losses on Trading

  32. Reconciliation of net income - US GAAP Rs. million

  33. Thank You

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