Investor Presentaiton

Historical Financials P&L Summary FY18 FY19 FY20 Total Income 5,370 7,287 9,752 Finance costs 708 1,009 1,301 Net Income 4,663 6,277 8,451 Opex 2,941 3,915 4,781 Impairment losses & bad debts 799 1,027 1,940 Profit before tax 923 1,335 1,730 Profit after tax 604 865 1,245 Key Metrics NEA 14,570 18,526 24,141 NIM (%) 16.5% 15.5% 16.6% Cost to Income (%) 63.1% 62.4% 56.6% GNPA (%) 2.8% 2.4% 2.0% NNPA (%) 0.9% 0.8% 0.7% ROAA (%) 4.6% 4.8% 5.5% ROAE (%) 31.1% 28.4% 27.4% CAR (%) 18.6% 20.1% 22.4% EPS (Basic) 7.7 9.5 Figures in Cr OSBI card 13.3 18

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