Standalone Highlights Q4FY22

Asset Quality kotak cr 31-Mar-22 31-Mar-21 31-Dec-21 Slippage for the quarter GNPA 6,470 7,426 NNPA 1,737 2,705 6,983 2,004 * 736 cr (0.27% of Advances); Recoveries and upgrades GNPA (%) 2.34% 3.25% 2.71% * 897 cr NNPA (%) 0.64% 1.21% 0.79% PCR (excl standard 73.2% 63.6% 71.3% Credit cost on advances for Q4FY22: 27 bps annualised (excl COVID reversal) [FY22: 55 bps] and COVID prov) ■ Standard Restructured FB o/s under COVID resolution frameworks -417 cr as at 31st Mar, 2022 [0.15% of Advances] ☐ ■ Standard Restructured FB o/s under MSME resolution frameworks - 788 cr as at 31st Mar, 2022 [0.29% of Advances] ■ Additional provision over regulatory requirement created on standard restructured book: 120 cr (10% of the book) Continue to carry COVID-19 prov: * 547 cr ☐ SMA20/S-186 cr [31st Dec, 2021: 298 cr] ■ No sale of any loans during the year ☐ ☐ Total provisions (incl specific, standard, COVID-19 related etc.) held as on 31st Mar, 2022 at * 6,710 cr ^ Fund based outstanding for borrowers with exposure > *5 cr 8

View entire presentation