Q4 & FY22 - Investor Presentation

.....While Maintaining Superior Cost Efficiency & Asset Quality Gross Income and Net Total Income (INR Mn) Focus on risk have led to immaculate through-cycle asset quality Demonetization CAGR: 34% Demonetization Yield % and NIM % CAGR: 34% 2,350 2,152 1,950 28.7% 28.3% 27.4% 25.5% 24.4% 1,456 1,276 21.5% 22.9% .158 6.7% 1,411 3.3% 2.6% 2.6% I 4.6% 780 782 407 I 536 253 I 438 311 I 2.0% 1.6% 3.0% 17.4% 16.5% 16.5% 14.0% 14.3% 14.2% 1.0% 12.2% 1.7% I FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY16 FY17 FY18 FY19 FY20 FY21 FY22 1.1% FY16 | FY17 1.2% FY18 1.0% FY19 1.1% FY20 FY21 FY22 L ■Gross Income (INR Mn) ■Net Total Income (INR Mn) Yield (%) -NIM (%) GNPA (% of Advances) Provisions & Write-offs (% of Avg. On-Book AUM) PAT (INR Mn) Cost to Income Ratio % Consistently high through cycle ROA / ROE Demonetization 415 317 Demonetization 29.7% 28.1% I 60.2% Demonetization I 264 I I I I 106 80 63 73 1 57.2% 17.8% 46.6% 47.4% COVID-19 15.6% 42.2% 42.7% 43.1% 12.9% 11.9% I I 5.5% I I 3.3% I 2.2% 1 4.6% I 5.4% 1 5.8% I 3.1% 1.3% I I FY16 FY17 FY18 I FY19 FY20 FY21 I FY22 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY16 FY17 FY18 FY19 FY20 FY21 FY22 I L Return on Avg. AUM (%) Return on Avg. Equity (%) Note: FY21, FY20 & FY19 figures are as per IND-AS, all the figures prior to FY19 are as per I-GAAP. NIM = NII / Average AUM (On + Off-Book); Yields = Gross Income / Average AUM 27

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