Investor Presentaiton

Portfolio Quality Stage 3 ECL 17 17 3.4% 1.1% 9 14 4.3% 7.5% 22 8% 7.1% 7% 14 4.8% 6% 5% 3.8% 4% 10 10 3% 22 22 27 90+ 37 35 35 33 32 2 2.4% 1.9% 2% 4.7% 5 3.4% 1% Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Stage 3 ECL Stage 3 ECL % Own book data of Stage 3 ECL; Own + Off book data of 90+ Company has restructured *33 Cr portfolio 0% Capital Trust (in Crores) 18% 52 16% 15.3% 14% 12% 10% 29 8.7% 7.7% 7.5% 7.5% 6.4% 8% 7.5% 7.2% 6% 4.6% 11 4% 7 2.8% 2.1% 3 4 2.1% 5 2% 10.8% 0.1% 0% Companywide 90+ Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Capital Digital Initiative 90+ Companywide 90+% Capital Digital Initiative 90+% 30

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