Banks Reports - July 2008

An Analysis on the behaviour of Payment Gateways during the month Jul-08 Total Transactions Total Booked Successfully % Contribution on Total attempted Payment Gateways / BANKS Txns Amt( in Rs) Succesful Attempted Txns Amt( in Rs) Txns Txns Total % Total % CREDIT / DEBIT CARDS ICICI PYMNT GATEWAY 1017973 994355051 772581 76% 730777419 73% 23.26% 21.94% CITIBANK PYMNT GATEWAY 331749 376869339 188030 57% 203478912 54% 5.66% 7.15% AMEX PYMNT GATEWAY 44648 59314742 36173 81% 44633870 75% 1.09% 0.96% CITIEMI 16951 21312000 6738 40% 8162174 38% 0.20% 0.37% ICICI EMI 22961 24980463 16460 72% 17612426 71% 0.50% 0.49% HDFC PG 441096 445552594 303838 69% 297158932 67% 9.15% 9.51% UTI PG 63957 69515499 40719 64% 42680384 61% 1.23% 1.38% TOTAL 1939335 1991899688 1364539 70% 1344504117 67% NET BANKING / DEBIT CARDS HDFC 274705 232528267 203484 74% 165518825 71% 6.13% 5.92% ICICI BANK 361984 288678510 243833 67% 186276165 65% 7.34% 7.80% IDBI BANK 19001 15625507 12909 68% 10143756 65% 0.39% 0.41% CITI DEBIT 112289 89688826 68235 61% 49788360 56% 2.05% 2.42% OBC 4041 3321560 1081 27% 927972 28% 0.03% 0.09% UTI 140530 117743676 95713 68% 77524152 66% 2.88% 3.03% STATE BANK OF INDIA 194137 164064693 110137 57% 91410359 56% 3.32% 4.18% PUNJAB NATIONAL BANK 35647 30089359 19835 56% 17138155 57% 0.60% 0.77% ABN AMRO 31528 27367436 22032 70% 17557835 64% 0.66% 0.68% CORPORATION BANK 8781 7031028 3768 43% 2812861 40% 0.11% 0.19% FEDERAL BANK 6877 5176260 3134 46% 2290647 44% 0.09% 0.15% SYNDICATE BANK 12792 10431854 7214 56% 5682921 54% 0.22% 0.28% UNION BANK 13823 12011957 8685 63% 7387069 61% 0.26% 0.30% INDUSIND 10947 9132451 8201 75% 6923008 76% 0.25% 0.24% SBI DEBIT CARD 242323 195315056 160883 66% 126781836 65% 4.84% 5.22% KARNATKA BANK 3782 2830837 2346 62% 1785651 63% 0.07% 0.08% ANDHRA BANK 12287 9227218 8398 68% 5998269 65% 0.25% 0.26% RAJASTHAN BANK 880 814555 303 34% 322152 40% 0.01% 0.02% BANK OF INDIA 10856 9646804 5470 50% 5055315 52% 0.16% 0.23% SBI ASSOCIATES 25879 20379452 13060 50% 10083251 49% 0.39% 0.56% EPOS 131 107093 3 2% 254 0% 0.00% 0.00% CANARA BANK 18980 13925387 11992 63% 8510354 61% 0.36% 0.41% INDIAN BANK 19260 12940108 12635 66% 8124006 63% 0.38% 0.42% CBOP 5294 5369088 3793 72% 3832982 71% 0.11% 0.11% BANK OF BARODA 10038 8738055 4128 41% 3630774 42% 0.12% 0.22% TOTAL 1576792 1292185037 1031272 65% 815506929 63% CASH CARDS ITZ CASH CARD 571674 532951217 482708 84% 441899211 83% 14.53% 12.32% DONE CARD 463624 427704941 366467 79% 335197509 78% 11.03% 9.99% TRANS I CARD 31123 27735127 25739 83% 22570108 81% 0.77% 0.67% TOTAL 1066421 988391285 874914 82% 799666828 81% REDEEM PG 0 0 0 0% 0 0% 0.00% 0.00% RDS 57539 51993957 50650 88% 45054250 87% 1.52% 1.24% GRAND TOTAL 4640087 4324469967 3321375 72% 3004732124 69%

*N

Avg Time taken for Refunds (in days) 1.87 2.76 2.39 2.44 1.79 2.14 NA

2.2 NA NA 2.78 7.06 2.89 2.13 NA 2.46 3.01 2.88 2.34 3.4 NA 2.03 1.8 NA NA NA 1.78 NA 1.24 2.49 NA 3.29

1.66 2.34 1.28 NA NA

* NA - Not Available