Investor Presentaiton

Credit - Improving Parameters At the end of H1FY17 H1FY16 FY16 FY15 Average Interest Yield 16.2% 16.0% 16.2% 15.8% Average Cost of Borrowing 10.5% 10.8% 10.7% 10.9% Interest Spread 5.7% 5.3% 5.5% 4.9% Net Interest Margin 6.9% 6.6% 6.8% 6.7% I 50 cities & 44 cities & Retail Credit Presence* | 3,100 villages 3,100 villages 1,800 villages 45 cities & 3,400 villages 36 cities & 750 villages Retail Finance Spreading Footprint Through Small-ticket Home Loans, SME & Rural Finance Credit Non Credit * Insurance Balance Sheet 25

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