Financial Overview and Strategy

Liability mix over the last 8 years 5% 5% 8% 8% 9% 8% 10% 11% 12% 13% 4% 3% 3% 4% 6% 7% 5% 5% 3% LO 31% 33% 35% 25% 38% 38% 35% 43% 36% 40% 34% 34% 58% 54% 48% 32% 58% 31% 53% 35% 15% 12% 14% 15% 8% 0% 0% Mar'12 Mar'13 1% Mar'14 4% Mar'15 6% Mar'16 Mar'17 Mar'18 ■Deposits ■Bank Loans (incl. CC/OD/W CDL) NCD Subordinate Debt Sep '18 Short term borrowings Dec' 18 Mar'19 * Standalone borrowing mix 24

View entire presentation