Standalone Highlights Q4FY22

Profit and Loss Account Ckotak cr Q4FY22 Q4FY21 Q3FY22 FY22 FY21 Notes for Q4FY22 Net Interest Income 4,521 3,843 4,334 16,818 15,340 Other Income 1,827 1,504 1,364 6,354 5,006 Fee and Services 1,697 1,378 1,496 5,781 4,331 Others 130 126 (132) 573 675 COVID-19 provision reversed: 453 cr, continue to carry: * 547 cr Additional provision over regulatory requirement on standard restructured book: 120 cr (10% of the book) Net Total Income 6,348 5,347 5,698 23,172 20,346 Employee Cost 1,123 869 1,200 4,582 3,729 Other Operating Expenses 1,885 1,516 1,797 6,539 4,855 Operating Expenditure 3,008 2,385 2,997 11,121 8,584 Operating Profit 3,340 2,962 2,701 | 12,051 11,762 Provision On Adv/Receivables 187 745 2161 1,513 1,874 (net) General provision - COVID related (453) (279) (732) 629 Provision On Investments (40) Customers (In (11) (68) (91) (44) 31-Mar-22 31-Mar-21 Growth mn) Provision & Contingencies (306) 734 (131) 690 2,459 As on 32.7 26.0 26% PBT 3,646 2,228 2,832 11,361 9,303 Net Additions 2.0 1.1 87% Provision For Tax 879 546 701 2,789 2,338 in Q4 PAT 2,767 1,682 2,131 ¦ 8,573 6,965 6

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