Investor Presentation on the financial results for the quarter ended 30.06.2026

Q1FY27 results (unaudited reviewed): Standalone: Net Profit 52.5bn +213.6% y-y (16.75bn) Operating Profit 75.2bn +6.2% y-y (70.8bn) Return on Assets 1.04% +67bps y-y (0.37%) Return on Equity 17.33% (18.00%) -0.7pp y-y Business: Global Business 29.98tn +10.2% y-y (27.19tn) Global Deposits 17.25tn +8.5% y-y (15.89tn) Global Advances 12.73tn +12.7% y-y (11.30tn) Asset Quality: Gross NPA 2.78% -100bps y-y (3.78%) Net NPA 0.28% -10bps y-y (0.38%) Provision Coverage Ratio (incl. TWO) 97.23% +35bps y-y (96.88%) Slippage Ratio (annualized) 0.68% -10bps y-y (0.78%) Capital Adequacy: CRAR 17.74% +99bps y-y (16.75%) CET-1 14.52% +90bps y-y (13.62%) Tier 1 16.03% +88bps y-y (15.15%) Guidance vs Actuals for FY27 (June 26 actuals): Credit Growth 12.7% (guidance 12%-13%) Deposit Growth 8.5% (guidance 9%-10%) CASA Share 36.7% (guidance 38%) Operating Profit Growth 6.2% (guidance 9%-10%) Net Interest Income Growth 2.1% (guidance 7%) NIM 2.50% (guidance 2.60%-2.70%) Gross NPA 2.78% (guidance <2.50%) Net NPA 0.28% (guidance <0.3%) PCR (incl. TWO) 97.23% (guidance >96%) Credit Cost 0.25% (guidance below 0.4%) Total Recovery Rs 2789 Cr (guidance > Rs 13000 Cr) RoA 1.04% (guidance above 1%) Slippage Ratio 0.68% (guidance below 0.9%)