Standalone Highlights Q4FY22

∞ ∞ ∞ ∞ 88 Present Across the Entire Value Chain Wholesale Banking Corporate Loans Trade Finance Business Banking Commercial Real Estate Forex/Treasury Cash Management Custody Business Off-shore Lending 8 8 8 8 8 Platform with Wide Product Portfolio Commercial Banking Agriculture Finance Tractor Finance Commercial Vehicles Construction Equipment Microfinance ∞ ∞ Consumer Banking Branch Banking 811 8 Home loans & LAP 8 ∞ 8 ∞ Personal Loans Consumer Finance Credit Cards Priority Banking Small Business Loans Working Capital ∞ ∞ ∞ NRI Banking Gold Loans Rural Housing & Business Loans Forex Cards 8 00 FASTag Deposits across all customer segments Wide Customer Coverage Ckotak 88 ∞ ∞ 8 8 8 8 8 Other Financial Services Wealth Management Car and 2W Loans Mutual Funds Alternate Assets Off-shore Funds Life Insurance General Insurance Investment Banking / DCM Broking Loan against Shares Infra Debt Finance Asset Reconstruction ∞ Very Large ∞ Investment Banking HNI ∞ Corporate banking products 8 Transaction banking Large ∞ Fund and Fee based products Affluent 8888 Private/ Priority Banking Commercial banking Consumer loans ∞ Salary accounts Mutual fund Insurance Emerging Corporates Mass Affluent ∞ 811 SME Mass ∞ Microfinance Corporate & Institutional Individuals Organisation structure and culture drives cross-sell and customer cross-buying across various products 31

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