Financial Performance Update

Q4 FY21 Highlights Contd.... Strong Revenue and Operating Profit Growth ■ Core Fee Income grew 40% YoY, 33% QoQ Sequential improvement in operating profit throughout the year Q1 FY21-690 crore; Q2 FY21 - Rs. 720 crore; Q3 FY21- Rs. 805 crore and Q4 FY21 Rs. 877 crore Handsome Deposit Growth ■ Total Deposits grew 26% YoY and 9% QoQ ■ CASA grew 36% YoY and 11% QoQ ■ CASA ratio grew QoQ even on higher deposit base, at 31.8% SA Deposits grew 41% YoY Retail Deposits (as per LCR definition) grew 12% QoQ Healthy Capitalisation and Liquidity Levels continued ■ CRAR at 17.5% and CET 1 to 16.6% ■ RWA/Total assets stable at 73.5% LCR at 154% for the quarter Asset Quality ■ Reduction in NPA levels - GNPA ☐ at 4.34%; NNPA at 2.12% ■ PCR higher at 72.2% (up 8% YoY) ■ Rating Profile improving with 77.6% in the A and better category from 75.2% in Q3 FY21 ☐ Continued Increase in customer base and distribution network Customer base increased by 0.55 million QoQ, to 9.63 million ■ Distribution network of 429 branches, 412 ATMs and 1365 BC branches (26 branches added in the quarter) Digital Business Update ▪ Ranked #5 in AEPS transactions processed, processing ~30 lakhs transactions per month ■ 25% market share of disbursements in the MFI segment for payment APIs. ■ API transaction hit 5 lakh per day ■ Launched eMandate services as a sponsor bank, processing ~10 lakh mandates per month 7

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