Investor Presentaiton

Key Business and Strategy Effective Equipment Risk Management Framework 3 5 Distinct Customer Segments Cash Management Risk Interest Rate Risk Risk Matrix Risk Assessment Geographical Nuances Historical 2 Equipment Realization 4 Legal Recourse SREI Together We Make Tomorrow Happen Receivable Management Risk Management Framework Relationship Management + Model Portfolio Risk Liquidity Risk 3 Credit Risk 2 Equipment Management 3 Enabling Improved Asset Quality Bad debts written off, provisions and contingencies/Average Earning Assets (Annualized) 2.5% 2.1% 1.7% 1.0% 2 5.0% 5.0% 4.1% 3.8% 1.8% 3.0% 3.0% 1.6% 2.5% 2.3% 2.2% 2.0% 1.8% 1.6% FY 13 FY 14 FY 15 FY 16 Credit Cost FY 17 H1 FY18 FY13 FY14 FY15 FY16 FY17 H1FY18 ■GNPA NNPA A Robust Systemic Framework Evaluating Future Cash Flows, Quantitative and Qualitative Parameters Note: GNPA: Gross NPAs/Earning Assets; NNPA: Net NPAs/Earning Assets 20 20

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