sep 03 0 depfa bank plc investor presentation first half year 2003 1 the new investment ltd 30 staff deutsche pfandbriefbank ag 100 branches & rep offices york 10 tokyo 110 acs head office dublin listing frankfurt stock exchange securities isin ie 007 255 999 4 codes reuters depf de bloomberg dep gr 98 2 group entities financials 3 jan jun 02 abs change m total net interest income 180 incl in trading result 175 132 43 32 6 commission 36 from sale of assets 52 70 18 25 7 35 which derivatives valuation fas 133 5 48 revenues 298 212 86 40 personnel expenditure 31 27 14 8 other administrative 21 50 depreciation on fixed 54 11