Investor Presentaiton

FINANCIAL STATEMENT SUMMARY in Crores Financials snapshot Q1'18 Q1'17 Yo Y FY'17 FY'16 Yo Y FY'15 Assets under finance (AUF) 65,121 47,923 36% 56,832 42,756 33% 31,199 Assets under management (AUM) 68,883 49,608 39% 60,194 44,229 36% 32,410 Total Interest & fee Income 3,165 2,282 39% 10,003 7,333 36% 5.418 Interest expenses 1,078 883 22% 3,803 2,927 30% 2,248 Net Interest Income (NII) 2,087 1,399 49% 6,200 4,406 41% 3,170 Operating Expenses 876 567 54% 2,564 1,898 35% 1,428 Loan Losses & Provision 286 180 59% 818 543 51% 385 Profit before tax 925 652 42% 2,818 1,965 43% 1,357 Income tax 323 228 42% 981 686 43% 459 Profit after tax 602 424 42% 1,837 1,279 44% 898 Ratios Q1'18 Q1'17 FY'17 FY'16 FY'15 Total Opex to NII 42.0% 40.5% 41.4% 43.1% 45.0% Total Opex to Total Income 27.7% 24.8% 25.6% 25.9% 26.4% Loan loss to AUF* 0.4% 0.4% 1.4% 1.3% 1.2% Return on Average AUF* 1.0% 0.9% 3.7% 3.5% 3.3% Earning per share - Basic (Rs.) * 11.0 7.9 34.0 24.2 18.0 Return on Average Equity 6.1% 5.5% 21.6% 20.9% 20.4% Not annualized 17

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