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Investor Presentaiton

Credit Business at a glance Credit Business Capital Employed Net Interest Margin INR (Cr) 24,860 6.9% Net Interest Income 750 Cost to Income 41% Provisions 101 PAT 203 Gross NPA 1.46% Net NPA 0.47% RoE 18.0% RoA 2.1% * Credit Non Credit Insurance Balance Sheet Based on Management Estimates; EARC (Edelweiss Asset Reconstruction Company) has now become a subsidiary of EFSL. Consequently, Capital Employed includes Distressed Assets in EARC Gross & Net NPA calculated on Credit Book excluding Distressed Assets 21 21
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