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Investor Presentaiton

KEY PERFORMANCE HIGHLIGHTS FOR Q1 FY18 . • . • • • • Customer franchise as of 30 Jun 2017 26% to 21.69 million from 17.18 million as of 30 Jun 2016. During the quarter, the company acquired 1.56 MM new customers New loans booked during Q1 FY18 48% to 37,71,392 from 25,40,540 in Q1 FY17 AUM as of 30 Jun 2017 was 39% to 68,883 Crs from 49,608 Crs as of 30 Jun 2016. AUM as of 30 Jun 2017 Includes 2,021 Crore of IPO financing. Adjusted for this AUM would have grown by 35% Total income for Q1 FY18 39% to 3,165 Crs from 2,282 Crs in Q1 FY17 Loan losses and provisions for Q1 FY18 were 286 Crs as against 180 Crs in Q1 FY17. During the quarter, the company took an additional charge of 42 Crs across its consumer and infrastructure finance businesses. Adjusted for this additional charge loan loss & provisions were 244 Crs, and have grown 36%. Profit after tax for Q1 FY18 42% to 602 Crs from 424 Crs in Q1 FY17 Return on Assets and Return on Equity for Q1 FY18 were 1.0% and 6.1% respectively, Gross NPA and Net NPA as of 30 Jun 2017 stood at 1.70% and 0.53% respectively. The provisioning coverage ratio stood at 69% as of 30 Jun 2017. During the quarter, as required by RBI guidelines, the company has moved its NPA recognition policy from 120 days overdue to 90 days overdue. The comparable GNPA and NNPA at 120 days overdue stood at 1.44% and NNPA of 0.42% as of 30 Jun 2017 vs GNPA 1.47% & NNPA of 0.41% as of 30th June 2016 Capital adequacy ratio (including Tier II capital) as of 30 Jun 2017 stood at 20.15%. Tier I capital stood at 14.20%. During the quarter, the company raised 600 Crs by way of Tier II bonds to augment its capital base. 15
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