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RoA Attribution (Ex Insurance) * Q2FY17 FY16 FY15 Net Interest Income 5.8% 5.1% 5.5% Interest | 12.4% 12.8% 12.0% Treasury 2.0% 1.2% 2.2% Interest Cost -8.6% -8.8% -8.6% Non-interest income 3.5% 2.7% 2.9% Fee & commission | 2.9% 2.4% 2.7% Other income 0.6% 0.3% 0.2% Expenses -5.9% -5.2% -5.7% Employee cost -2.9% -2.5% -2.9% Depreciation & amortization | -0.3% -0.3% -0.3% Operating expenses -2.0% -1.7% -1.8% Provisions -0.7% -0.6% -0.6% PBT 3.4% 2.6% 2.8% Tax -1.2% -0.8% -1.0% PAT 2.2% 1.8% 1.9% 15

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