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Impairment & Asset Quality (Bank) Rs Bn Loans Other Total Impairment 1H 2021 1H 2020 % change 6.7 8.5 (20.9) 0.09 0.8 (88.9) 6.8 9.3 (26.8) NPA Ratios 6.0% 5.0% 4.0% 4.25% 3.0% 2.0% 1.0% 0.64% 0.0% 2017 2018 2019 2020 Mar-21 Jun-21 Best NPA ratios among peers Higher charges in 1H 20 o/a of rising NPA's and sovereign downgrade Management Overlay improved further in 1H 21 Impairment against NPA base over 100% Diversified Exposure Health Care& Tourism. 6% Support Services 17% Agri & Related 7% Others 10% Gross NPA Net NPA Financial Services 7% Manufacturing 11% Construction & Infrastructure Consumption 12% 14% Wholesale & Retail Trade 16%

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