Financial Overview and Strategy

Conservative leverage standards 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 6.8 24.7% 6.6 6.4 22.0% 6.2 6.3 6.3 22.1% 6.2 20.3% 20.7% 5.3 19.1% 19.5% 19.7% 5.9 21.4% 18.0% 17.5% 17.2% 18.7% 16.2% 16.1% 5.2 16.8% 16.3% 15.0% 14.6% 14.2% 5.7% 5.0% 4.9% 4.6% 4.4% 3.8% 3.3% 3.4% 3.0% 2.5% Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Sep '18 Dec '18 Mar '19 -Capital Adequacy Tier 1 Capital Adequacy Tier 2 -Total Capital Adequacy * Standalone leverage is approximately 5.5X -Leverage Ratio Leverage Threshold denotes point when the Company initiated its capital raising plan. 25

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