Investor Presentation

AI summary - Gross advances ₹1,583.7 bn +13.1% y-y; Total deposits ₹1,726.9 bn +9.2% y-y; PAT ₹6.2 bn +455.7% y-y - Strong capital adequacy: CRAR 18.3%, CET1 17.7% - Asset quality improved: GNPA 3.1% (-191 bps y-y), NNPA 0.9% (-45 bps y-y) - Digital transactions 98% of retail; 93% savings accounts opened digitally - Cost/Income ratio at 57.5%; employee productivity up 9% y-y - ROA 1.2% and ROE 9.3% annualized, both improved y-y - Diversified loan book with ~33% each in EEB, Housing & Retail, Wholesale Banking - Focus on portfolio resilience, retail deposit growth, and operational efficiency - Management confident on sustainable asset quality and profitability improvement