Financial Overview and Strategy

Resilient business model 47.0% 46.0% 44.6% 45.0% 43.1% 41.4% 41.8% * 38.7% 38.4% 38.6% 37.9% 36.0% 32.9% 33.3% 36.4% 35.9% 35.3% 29.9% 28.4% 26.4% 9.7% 9.9% 9.9% 9.1% 9.5% 9.0% 8.2% 8.2% 8.2% 8.3% 4.2% 4.1% 3.6% 3.3% 3.5% 3.7% 3.9% 4.0% 4.0% 4.1% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% 3.0% @ Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Sep 18 Dec'18 Mar '19 COF Fee Income to PBT -Operating Leverage Benchmark ROA -ROA Fee Income includes Service and Admin charges, Penal Income, Foreclosure Income and Misc charges and receipts @ Sep '18, Dec'18 & Mar '19 numbers are as per Ind AS for H1 FY19, 9M FY19 & FY19 respectively 27

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