Investor Presentaiton

Fund Based income Rs Bn 1H 2021 1H 2020 % change Interest Income 52.7 58.5 (10.0) Interest Expenses 26.0 32.7 (20.4) NII 26.7 25.9 3.2 Private Credit Growth&AWPLR (%) 2000 6421 14 12 10 Jan-20 Pvt Credit Growth AWPLR (R) Mar-20 May-20 Jul-20 Sep-20 Nov-20 Jan-21 Mar-21 May-21 1,100 12 1,000 10 8 900 642 800 700 600 500 Gross Loans & Deposits (Rs Bn) 2017 2018 2019 2020 Mar-21 Jun-21 Significant improvement in Q2 NIM Pvt Credit growth - 10.5% YOY AWPLR drops by nearly 300 bps from 1H20 to 1H 21 Loan book grows 3% in 1H; 8.6% YoY 2nd Private LCB to cross Rs 1 Trn Deposits; 6.7% growth in 1H 2021 CASA expands to Rs 406 Bn; Ratio at 39%, 5.7% growth in 1H NIM & NII (Rs Bn) 50% 5.0% 45% 4.5% 4.52% 16 4.12% 4.0% 40% 3.5% Gross Loans 3.0% 35% 2.5% Deposits 2.0% 30% CASA (R) 1.5% 1.0% 25% 0.5% 0.0% 122006420 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Bank NII - R 8 Group NII - R Bank Group

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