Nine Months ended December 31, 2020

Net cash used in investing activities was = (1,365.88) million in the nine months ended December 31, 2020, primarily on
account of net increase of banking book investment of = 1,247.04 million and purchase of fixed assets of = 90.67 million,
partially offset by decrease in fixed deposit before considering cash and cash equivalents, amounting to = 26.00 million.

Nine Months ended December 31, 2019

Net cash used in investing activities was = 1,700.06 million in the nine months ended December 31, 2019, primarily on account
of net increase of banking book investment of = 1,348.71 million, increase of = 183.88 million of fixed deposits and purchase
of fixed assets of = 24.98 million.

Fiscal 2020

Net cash used in investing activities was = 1,667.61 million in Fiscal 2020, primarily on account of purchase of fixed assets of
% 227.20 million and net increase of banking book investment of @ 1,451.27 million, partially offset by decrease in fixed deposit
before considering cash and cash equivalents, amounting to = 78.84 million.

Fiscal 2019

Net cash used in investing activities was = 135.71 million in Fiscal 2019, primarily on account of purchase of fixed assets of
2104.75 million and net increase of banking book investment of % 299.10 million, partially offset by decrease in fixed deposit
not considered under cash and cash equivalents, amounting to = 273.61 million.

Fiscal 2018

Net cash used in investing activities was = 843.36 million in Fiscal 2018 on account of purchase of fixed assets of = 116.37
million, and net increase of banking book of = 886.46 million on account of increase in investment to meet SLR requirements.

Financing Activities
Nine months ended December 31, 2020

Net cash flow from financing activities was = 2,873.30 million in the nine months ended December 31, 2020 on account of
increase in borrowings (net) of 2224.64 million.

Nine months ended December 31, 2019

Net cash flow from financing activities was = 1,714.48 million in the nine months ended December 31, 2019 on account of
decrease in borrowings (net) of = 2,372.98 million.

Fiscal 2020

Net cash flow from financing activities was = 2,100.60 million in Fiscal 2020 on account of increase in borrowings (net) of =
1,403.88 million.

Fiscal 2019

Net cash flow from financing activities was = 6,553.22 million in Fiscal 2019 on account of increase in borrowings (net) of =
4,063.96 million and proceed from issue of equity shares of % 2,498.26 million.

Fiscal 2018

Net cash used in financing activities was = 2,852.56 million in Fiscal 2018 on account of decrease in borrowings (net) of =
3,108.15 million, partially offset by proceeds from issue of equity shares of = 255.59 million.

CAPITAL ADEQUACY
Our Bank is subject to the CRAR requirements prescribed by the RBI. As of December 31, 2020, we were required to maintain

a minimum CRAR of 15.00%, based on the total capital to risk-weighted assets. The following table sets forth certain
information relating to the CRAR of our Bank as of the periods indicated:

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