Investor Presentaiton

Normalised salient features FY17 FY18 % % Diluted headline EPS growth 4 4 Dividend per share growth 4 4 Net asset value per share growth 5 4 Return on equity 16.5 16.8 Profit after regulatory capital charge (Rbn) 2.6 2.7 Net interest margin 4.83 4.64 Operating JAWS (3) (2) Cost to income ratio Credit loss ratio 56.7 57.7 0.87 0.73 21

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