Investor Presentaiton

Asset Quality: Improvement Continues ECL Analysis As Per IndAS (INR Mn) Q4FY23 Q3FY23 Stage 1 & 2 Gross 96,181 80,588 Q2FY23 73,508 Q1FY23 INR Mn except stated Q4FY22 65,953 63,627 Stage 1 & 2 ECL Provisions 1,348 1,234 1,248 1,260 1,325 Stage 1 & 2 - Net 94,832 79,354 72,260 64,693 62,303 Stage 1 & 2 ECL Provisions % 1.40% 1.53% 1.70% 1.91% 2.08% Stage 3 Gross - 1,552 1,911 1,780 1,840 1,562 Stage 3 ECL Provisions 499 557 510 508 476 Stage 3 - Net (net of aggregate ECL prov.) 1,053 1,354 1,270 1,331 1,086 _ Stage 3 ECL Provisions % 32.2% 29.1% 28.6% 27.6% 30.5% Total ECL Provisions 1,786 1,747 1,749 1,769 1,801 Stage 3 %-Gross NPA 1.59% 2.32% 2.36% 2.71% 2.40% Stage 3 %-Net NPA 1.10% 1.68% 1.73% 2.02% 1.71% Provision Coverage Ratio % 115.1% 91.4% 98.3% 96.2% 115.3% Restructured Assets 1,066 1,772 1,943 2,053 2,161 Restructured Assets (%) 1.1% 2.1% 2.6% 3.0% 3.3% Prov. on Restr. Assets 265 390 412 426 475 Prov. on Restr. Assets (%) 24.8% 22.0% 21.2% 20.8% 22.0% О Std. restructured assets: MSME Rs 809mn (2.1% of MSME AUM), Housing Rs 105mn (0.4% of Housing AUM), CF & IRL - NIL. Standard restructured assets were Rs1,454mn (1.8% of AUM) in Q3FY23. CAPRIGLOBAL 25

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