During the quarter ended September 30, the bank received income tax orders related to matters under appeal, which resulted in a tax provision write-back for previous years of ₹222.9 crore (pre-tax of ₹297.8 crore). The bank utilised this write-back to create contingent reserves of 100 basis points on credit card and microfinance advances, of ₹252 crore. A basis point is a hundredth of a percentage point.