Investor Presentaiton

A Highlights Income Statement (Rs. in Million) 7,000 2,031 6,000 1,128 702 313 -885 5,000 21% 12% 19% -21% 4,000 434% 3,000 2,000 2,985 1,000 4,018 PAT Mar'19 NII Non-Markup Non-Markup Provision Income Expense Reversal Taxation PAT Mar'20 PAT Fall Rise Particulars Mar' 20 Interest Income 32,071 Mar'19 24,344 QoQ 32% Interest Expense 20,454 14,759 39% Net Interest Income (NII) 11,616 9,585 21% Non Markup Income Gross Income 2,850 2,537 12% 14,466 12,122 19% Non Markup Expense 7,204 6,076 19% Profit Before Provisions 7,262 6,046 20% Provision Reversal 681 (204) -434% Profit Before Taxation 6,581 6,250 5% Current Year Taxation 2,563 2,430 5% Profit After Current Taxation 4,018 3,820 5% Prior Year Super Tax 835 100% Profit After Taxation 4,018 2,985 35% EPS 3.51 2.61 34% . • • Rate Variance along with volumetric growth in earning assets and effective duration management facilitated growth of 21% in Net Interest Income. Fee & Commission income increased by 11%. Capital Gains of Rs. 1,101 million recognized through sale of Fixed Income securities and equity portfolio. • Administrative cost growth restricted to 19% despite investment in Human Resource, significant increase in regulatory & FATE related compliance costs and cost of doing business. Compounding of systematic risks amidst COVID-19 outbreak led to recognition of net charge of Rs. 579 million for diminution in value of equity securities Profit after tax increased by 10%; EPS Increased to Rs 3.51 per share compared to Rs 2.61 in the corresponding period. 4

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