Investor Presentation - Q1 FY23

Sound Credit Indicators DPD 1+/POS DPD 30+/POS % Stage 3/POS Stage 2/POS 8.9% 7.6% 6.2% 5.3% 4.4% 3.2% 6.5% 5.3% 5.0% 1.8% 2.0% 2.3% 5.7% 5.2% 4.7% 4.1% 1.9% Improvement 3.7% 1.7% 3.7% 3.5% continues in 2.6% 2.3% 2.1% 1+ & 30+ DPD 1.7% 3.8% 3.5% 0.8% 1.0% 2.3% 2.1% 1.4% 1.4% 1.4% 0.9% 0.9% Mar'19 Mar'20 Mar'21 Mar'22 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Mar'19 Mar'20 Mar'21 Mar'22 Jun 21 Sep'21 Dec'21 Mar'22 Jun'22 Gross Stage 3/POS (GNPA) % Re-classification due to RBI circular Net Stage 3/ Net POS (NNPA) % Re-classification due to RBI circular 2.6% 2.3% 2.0% 2.3% 1.8% 1.8% 2.1% 1.7% 1.8% 0.9% 0.7% 1.0% 1.0% 1.2% 1.9% 0.9% 0.9% 0.9% 0.8% 1.0% 0.8% 1.4% 1.3% 0.8% 1.3% 1.7% 1.7% 0.6% 1.2% 1.3% 1.2% 0.9% 0.9% 0.9% Recovery from SARFAESI continues Mar'19 Mar'20 Mar'21 Mar'22 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Mar'19 Mar'20 Mar'21 Mar'22 Jun 21 Sep'21 Dec'21 Mar 22 Jun'22 Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to ₹443.62 millions as Gross Stage 3 (GNPA) as at Jun'22 in accordance with regulatory requirements. Investor Presentation - Q1 FY23 29 home first We'll take you home

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