Investor Presentaiton

CREDIT QUALITY - PORTFOLIO COMPOSITION Personal loan cross sell portfolio 3.00% 4th Bucket 5th Bucket 1st Bucket 2nd Bucket 3rd Bucket 97.06% 97.14% 97.28% 97.21% 97.21% 97.81% 97.29% 97.18% Salaried personal loan portfolio 0.60% 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 99.58% 99.53% 99.53% 99.50% 99.43% 99.47 % 99.52% 99.50% 2.50% 2.00% 1.50% 1.00% 0.50% 0.50% 0.40% 0.30% 0.20% 0.10% 4th Bucket 5th Bucket 98.70% 98.44% 98.21% 0.00% 0.00% SEP 15 DEC 15 MAR 16 JUN 16 SEP 16 DEC 16 MAR 17 JUN 17 SEP 15 DEC'15 MAR 16 JUN 16 SEP 16 DEC 16 MAR 17 JUN 17 Small business loan portfolio 1st Bucket 2nd Bucket 3rd Bucket 99.03% 98.92% 98.80% 98.53% 98.58% Loan against property portfolio. 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket ■5+ Bucket 98.67% 98.29% 98.19% 99.21% 99.30% 99.12% 99.24% 99.07% 1.80% 1.4% 1.60% 1.2% 1.40% 1.0% 1.20% 0.8% 1.00% 0.80% 0.6% 0.60% 0.4% 0.40% 0.2% 0.20% 0.00% 0.0% SEP 15 DEC 15 MAR 16 JUN 16 SEP 16 DEC'16 MAR 17 JUN'17 SEP 15 DEC'15 MAR 16 JUN 16 SEP 16 DEC 16 MAR 17 JUN 17 22

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