Investor Presentaiton

25 A 600 500 7.8% 400 300 262 200 100 Advances & Asset & Asset Quality (Rs. in Billion) 9% 7.2% 500 6.8% 7.0% 477 8% 6.4% 454 7% 5.9% 6% 326 341 4.6% 289 5% 285 349 3.5% 3.2% 389 3.3% 4% 3% 2% 1% 2011 2012 2013 20 15 95% 2014 Gross Advances 2015 2016 2017 2018 NPL Ratio 2019 Q1-2020 10 87% 87% 86% 86% 5 2011 2012 2013 2014 2015 2016 98% 96% 96% 96% 96% 94% 92% 93% 92% 90% 88% 86% 84% 82% 80% 2017 2018 2019 Q1-2020 Provision Held INPL Coverage 0% Gross Advances reached Rs. 477 billion (5%) (Industry Growth 1%) Net ADR ratio reached 46% (Industry Dec' 19 ADR: 52%) NPLs at 15.8 Billion (0.1%↓) •NPL Ratio 3.32% (0.15% 1); Industry Dec'19: 8.1% •NPL Coverage 96% (0.7% ↑); Industry Dec'19: 84.7% Key sectors include Non Financial Public Sector Enterprise, Power, Textile, NBFI's and Chemical remained key sectors. 6

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