Investor Presentaiton

BS Review - Consolidated | Building efficiencies in deposit base with growth in assets Rs in bln Description Advances Var % Jun'23 Dec'22 Domestic Deposits Performance - led by Branch Banking Group 916 1,096 Investments 1,857 1,451 FI Lendings 116 Others 552 345 -16% 28% 86 36% 60% Total Assets 3,441 2,978 16% Focus remains on better service and expansion in footprint Average current accounts up 16% YoY, savings up 9% YoY Average current to total deposits ratio is 48% (Jun'22: 45%) Average CASA ratio levels at 90% (Jun'22: 87%) – drives profitability Deposits 2,425 2,035 19% New business acquisition momentum well maintained in 2023 Borrowings 634 566 12% Subordinated Debts 10 10 0% Corporate Bank Lending continuing with strong asset quality Others 122 138 -12% Total Liabilities 3,192 2,749 16% Net Assets 249 229 9% Share Capital 12 12 0% We am to maintain asset quality across all segments Advances averaged Rs. 754 billion for H1'23, growing by 18% year on year NPL recoveries continue across domestic and international Reserves 116 92 26% Investments portfolio position and mix as at Jun 30, 2023 Unappropriated Profit 98 96 2% Surplus on revaluation of Assets 10 20 -47% Total Equity attributable to equity holders 236 220 7% Non-controlling Interest (NCI) 13 9 47% Total Equity + NCI 249 229 9% Overall investments portfolio increased by 28% to Rs 1.9 tln Timely build up within investments strengthens NII levels BS well positioned for further repricing across asset base 4

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