Investor Presentaiton

Present across Retail, SME and Wholesale segments Wholesale Credit • Comprises of · Collateralized Lending to Corporate • Distressed Assets • Wholesale Mortgage • Began credit operations in 2007 • • A robust risk management approach tested over 2 downturns Wholesale credit around INR 16,800 cr Credit Retail & SME Credit • · • Comprises of • Retail Mortgage Agri & Rural Financing Loan Against Shares SME & Others Commenced operations in 2011 Small Ticket Housing Loans launched in FY13; Rural Finance in FY14 • Retail credit around INR 8,000 cr • Controlled growth, focus on credit quality • Operations in 50 cities Profitable, scalable multi-line credit business Non Credit Insurance * Balance Sheet 23

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