Investor Presentaiton

P&L Summary P&L Q4'FY19 Q4'FY20 YoY FY19 FY20 YOY Interest Income 949 1,348 42% 3,576 4,841 35% Income from fees and services 913 959 5% 3,072 3,979 30% Service Charges 44 35 -20% 126 118 -6% Business development incentive income 74 87 18% 217 327 51% Insurance commission income 2 3 45% 9 11 30% Total Revenue from operations Total Other Income 1,983 93 2,433 23% 6,999 9,276 33% 77 -17% 288 476 65% Total Income 2,076 2,510 21% 7,287 9,752 34% Finance costs 273 334 23% 1,009 1,301 29% Employee benefits & Expenses 94 133 42% 379 468 24% Depeciation, amortisation & 16 29 74% 55 104 88% impairement Operating & Other expenses 877 1,047 19% 3,346 4,189 25% CSR Expenses 11 17 53% 14 20 40% Impairment losses & bad debts 352 838 138% 1,148 1,940 69% Net gain on fair value changes 68 -100% - Total expenses 1,691 2,398 42% 5,952 8,023 35% Profit before tax 385 112 -71% 1,335 1,730 30% Profit after tax 249 84 -66% 865 1,245 44% Figures in Cr SBI card 19

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