Investor Presentaiton

Quality of the portfolio: Consistently maintained Catalyst in growth of Entrepreneurs, not creating just borrowers NPA DETAILS* 1.50% CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution 1.18% 1.20% 1.04% 1.08% 1.09% 1.00% 1.03% 0.93% 0.95% 0.96% 0.85% 0.50% 0.00% Mar-15 Mar-16 Mar-17 GROSS NPA NET NPA *NPA classification criteria For FY15: >5 months installment overdue For FY16 TO FY17: >4 months installment overdue From Q1 FY18 onwards: >3 months installment overdue Sept-16 Sept-17 SLIDE: 21

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