Investor Presentation - Q4 FY22

Particulars Profit after tax on average total assets (ROA) Leverage (Average total assets / average Equity or average Net worth) Key Financial Ratios Q4 FY22 Q3 FY22 Q4 FY21 FY22 FY21 4.0% (1) 4.0% 2.9% 3.6% (1) 2.5% 3.2 3.1 3.4 3.3 3.5 Profit after tax on average equity or average Net worth (ROE) 12.5%(1) 12.4% 10.1% 11.8% (1) 8.7% Cost to Income Ratio (Operating Expenses / Net Total Income) 35.7% 33.0% 38.3% 34.0% 39.0% Operating Expenses / Average total assets Debt to equity ratio CRAR (%) CRAR Tier I Capital - CRAR Tier II Capital - Book Value Per Share 3.0% 2.8% 3.0% 2.7% 2.7% 2.2 2.0 2.2 2.2 2.2 58.6% 59.0% 56.2% 58.6% 56.2% 58.0% 57.8% 55.2% 58.0% 55.2% 0.6% 1.2% 1.0% 0.6% 1.0% 179.6 172.4 158.0 179.6 158.0 (1) Adjusted RoA and Adjusted RoE for Q4FY22 and FY22 is computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment 40 Investor Presentation - Q4 FY22 home first We'll take you home

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