Investor Presentaiton

FINANCIAL PERFORMANCE TRENDS - Q1 FY18 Operating expenses % of NII 41.3% Q1'17 43.6% Q2'17 Loan loss provision (Crore)* 59% YoY 290 286 42.0% 41.9% 180 169 180 41.1% Q3'17 Q4'17 Q1'18 Net NPA & Provisioning coverage** Net NPA (%) Coverage (%) 74% 74% 73% 73% Q1'17 Q2'17 Q3'17 Q4'17 Profit Before Tax (Crore) Q1'18 42% YoY 925 850 69% 652 690 626 0.41% 0.43% 0.39% 0.44% 0.53% Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 *In Q1FY18 Company took an additional charge of 42 crore across its consumer and infrastructure finance businesses. Adjusted for this additional charge, loan losses and provisions were 244 crore and have grown 36% **The net NPA & provisioning coverage numbers from Q1 FY178 are at 90 days over-dues while the same for previous quarters are at 120 days over-due. 19

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