The total income for the third quarter rose by 40.25 per cent to Rs 357.15 crore from Rs 254.65 crore. The operating expenses during the quarter went up by 158 per cent to Rs 86.32 crore from Rs 33.44 crore, which includes an amount of Rs 10.53 crore incurred during the quarter on account of the credit card programme and data centres.

For the first nine months of the current fiscal, ICICI Bank has posted a 52.98 per cent increase in the net profit to Rs 110.70 crore from Rs 72.36 crore for the first nine months of the last fiscal. The total income of the bank rose by 42.48 per cent to Rs 993.40 crore from Rs 697.22 crore. A 148 per cent increase in net interest income to Rs 278.88 crore from Rs 112.30 crore and a 104 per cent increase in core fee income to Rs 90.98 crore from Rs 44.56 crore were the other highlights of the results.

For the first nine months of the current fiscal, the bank's operating profit increased by 43 per cent to Rs 186.67 crore as compared to Rs 130.62 crore in the corresponding period of the previous year. The operating profit is after absorbing about Rs 24 crore by way of operating expenditure on credit cards programme and on data centers.

ICICI Bank's total deposits have crossed the Rs 10,000-crore mark and stand at Rs 10,047.94 crore. The YoY growth had been 18.21 per cent. The retail deposits constitutes 57 per cent of total deposits as compared to 31 per cent as on March 31, 2000. Customer assets grew by 88 per cent to Rs 7,637.40 crore from Rs 4,057.92 crore. The ratio of net non-performing loans to net bank credit stood at 1.32 per cent on December 31, 2000. The bank's capital adequacy ratio stood at 14.61 per cent as at December 31, 2000.