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

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

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

7. Q3 Operating Profit Rs. in crore

8. Q3 Profit Statement Rs. in crore

9. 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 Rs. in crore

10. Non-interest income 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. Rs. in crore

11. Non Performing Assets Rs. in crore except percentages

12. Income Statement:US GAAP Rs. in crore

13. Thank You