Investor Presentation - Q3 FY22

Particulars (in Mn) Stage 1 Stage 2 Stage 3 Loan Commitment Total For period ended Dec'21 ECL Provisions Summary Loans - Principal Outstanding 38,110.1 870.3 1,023.6 ECL Provision 132.0 100.1 232.0 8.9 Net Loans - Principal Outstanding 37,978.1 770.2 791.6 ECL Provision % 0.3% 11.5% 22.7% 40,004.0 473.1 39,530.9 1.2% For period ended Sep'21 - Loans Principal Outstanding 34,941.7 1,276.8 640.4 36,858.9 ECL Provision 142.6 154.7 189.6 8.9 Net Loans - Principal Outstanding 34,799.2 1,122.0 450.8 495.8 36,363.1 ECL Provision % 0.4% 12.1% 29.6% 1.3% Provision Coverage Ratio For period ended Dec '20 Loans Principal Outstanding 31,187.6 821.3 510.7 ECL Provision 194.3 111.9 146.0 9.6 Net Loans - Principal Outstanding 30,993.3 709.4 364.7 32,519.6 461.8 32,057.7 46.2% Dec'21 ECL Provision % 0.6% 13.6% 28.6% 1.4% 77.4% Sep'21 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 changed its NPA definition to comply with the norms/ changes for regulatory reporting, as applicable. The Company has also on the basis of prudence to aligned Stage 3 definition to revised NPA definition. This is resulted in classification of loans amounting to *339.20 million as non-performing assets (Stage 3) as at 31 Dec 2021 in accordance with regulatory requirements. However, the said change does not have a material impact on the financial results for the quarter / nine months ended Dec'21. Investor Presentation -Q3 FY22 35 90.4% Dec'20 home first We'll take you home

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