Investor Presentaiton

LEAD INDICATORS: BANK CREDIT OFFTAKE Gross Bank Credit Growth Accelerates in FY23 Source: RBI 9.6% (Y-o-Y) 15.0% FY22 FY23 Industrial Credit Growth Subdued, Credit to Services Picks Up Source: RBI 8.7% 7.5% 5.7% 19.8% Industry Services FY22 FY23 Gross bank credit growth gathered pace in FY23. Credit growth in FY23 was driven mainly by the retail segment (20.6% growth) followed by services (19.8% growth). Credit to industry grew by 5.7% in FY23, with large industries recording a growth of 3%. While the overall bank credit growth accelerated, the industrial growth was subdued and credit growth was led by retail segment. Care Edge RATINGS (Y-o-Y) 13

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