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Investor Presentation HY 2020

Gross NPLS 24,399 -9% Consolidated Loans & Advance and NPLs Interest on Advances Coverage Ratio +5% 22,106 48% 55% 10,250 10,766 Jun-19 Jun-20 Jun-19 Jun-20 Loan Loss Provisions Jun-19 Jun-20 -7% 1,109 Gross NPA 13% 11% 1,031 Net NPA 5% 4% Jun-19 Jun-20 I&M HOLDINGS Cost of Risk 0.62% 0.58% Jun-19 Jun-20 10

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