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Investor Presentaiton

Fewer number of issuances in the bond market; Overall credit growth declines further impacted by wholesale credit Bond Issuances ( billion) Credit Growth Bond issuance quantum 24.0% 6,998 7,000 19.0% 6,000 5,750 5,000 14.0% 4,000 9.0% 3,000 2,000 1,902 1,620 4.0% 1,000 -1.0% 0 CY 2018 CY 2019 YTD 2019 YTD 2020 # of Issuances 2452 2473 608 433 Source: RBI, SEBI, Ministry of Finance, Prime Database, CRISIL YTD Bond data is for Jan - 17th March 12 Jan-17 Mar-17 May-17 Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Credit Growth Wholesale Credit Growth Jan-19 Mar-19 May-19 NBFC crisis Covid-19 Jul-19 Sep-19 Nov-19 Jan-20 Retail Credit Growth CRISIL An S&P Global Company 7.3% 3.5% 17.0% 2020 CRISIL Ltd. All rights reserved.
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