Investor Presentaiton

Highlights Profit & Loss: • Net Interest Income for Q4FY21 at Rs. 449 Cr as against Rs. 424 Cr in Q4FY20. NIM at 7.57% • Core Income (Net Income other than PSL Fees, Treasury & Others) at 84% • PBT before provisions and write off for Q4FY21 at Rs. 250 Cr as against Rs. 188 Cr in Q4FY20, growth of 33% PAT for Q4FY21 at Rs. 113 cr as against Rs. 43 Cr in Q4FY20, growth of 162% equitas Equitas Small Finance Bank Asset Quality, Provisioning & Restructuring: • • During the quarter the Bank has written off Rs. 171 Cr in the Micro Finance portfolio Loan loss and provision for FY21 was Rs. 375 Cr as against Rs. 247 Cr in FY20. The Bank holds a management overlay provision* of Rs. 153 Cr crore as of 31st March 2021 GNPA at 3.59% in Q4FY21 as compared to 4.16% (proforma approach) in Q3FY21 and 2.72% in Q4FY20 NNPA at 1.52% in Q4FY21 as compared to 1.71% (proforma approach) in Q3FY21 and 1.67% in Q4FY20 • Credit Cost for FY21 at 2.26% • Provision coverage ratio at 58.59% • Bank holds cumulative provision (standard asset + floating + provision for NPA) of 2.56% of advances *Management Overlay Provision - Provision carried in excess of the regulatory requirement 8

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