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Investor Presentaiton

Credit - Robust Asset Quality At the end of (INR Cr) H1FY17 H1FY16 | FY16 FY15 Credit Book | 21,349* 17,321 20,014 15,036 Pvt. Banks NBFCs Gross NPA I 312 250 281 196 1.60% 2.71% Gross NPA % 1.46% 1.45% 1.40% 1.31% Net NPA % 0.47% 0.44% 0.47% 0.38% 0.71% 0.93% Total Provision Held 289 233 247 184 Total Provision Cover 92% 93% 88% 94% Average Collateral cover on Wholesale book I 2.2x 2.1x 2.1x 2.3x | 1 -1.25X 1.5-2X Average Loan-To-Value on Retail book ~47% ~51% ~50% ~52% Average LTV of LAP portfolio at 44% vs 65 % of the industry Median ticket size at 36 Lacs vs 1.2 cr in the industry Credit Non Credit * Excludes Distressed Assets; Provision Policy moved to 120+ DPD; Housing Finance Co. continues to follow 90+ DPD Insurance Balance Sheet 26 *
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