Investor Presentaiton

EXECUTIVE SUMMARY (CONTD.) SME Business • • • • • Focused on high net worth SM Es with an average annual sales of 15 Crores with established financials & demonstrated borrowing track records • Offer a range of working capital & growth capital products and mortgage (Loan against property, Lease Rental Discounting & Home Loans) products to SME & self employed professionals Offer full range of growth & working capital lending products to professionals (Doctors & CA's) Built a dedicated SME Relationship Management channel to provide wide range of cross sell products to our SME franchise Retail mortgage product strategy is to sell to existing customers only Commercial Offer wholesale lending products covering short, medium and long term needs of Auto business component & light engineering vendors and financial institutions in India Treasury Credit Quality Credit Rating • Offer a range of structured products collateralized by marketable securities or mortgage • • • . Strategy is to create a balanced mix of wholesale and retail borrowings The company's total borrowings stood at 53,569 Crs with a mix of 32: 58: 10 between banks, money markets and deposits Gross NPA of 1.70% & Net NPA of 0.53% as of 30 Jun 2017 at 90 DPD. The company has moved its NPA recognition policy from 120 days overdue to 90 days overdue. The comparable GNPA and NNPA stood at 1.44% and NNPA of 0.42% as of 30 Jun 2017 vs GN PA 1.47% & NNPA of 0.41% as of 30th June 2016 Provisioning coverage ratio stands at 69% as of 30 Jun 2017 Credit rating for Long Term Debt Program is AAA/Stable by CRISIL, ICRA, CARE & India Ratings • Credit rating for Short Term Debt Program is A1+ by CRISIL, ICRA & India Ratings • Credit rating for FD program is FAAA/Stable by CRISIL & MAAA (Stable) by ICRA 11

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