Investor Presentation - Q4 FY22

Particulars (in Mn) Stage 1 Stage 2 Stage 3 Loan Commitment Total For period ended Mar❜22 ECL Provisions Summary Loans - Principal Outstanding 41,926.5 573.5 1,015.2 43,515.2 ECL Provision 143.0 71.0 252.5 11.3 Net Loans - Principal Outstanding 41,783.5 502.5 762.7 ECL Provision % 0.3% 12.4% 24.9% 477.8 43,037.4 1.1% For period ended Dec'21 - Loans Principal Outstanding 38,110.1 870.3 1,023.6 40,004.0 ECL Provision 132.0 100.1 232.0 8.9 Net Loans - Principal Outstanding 37,978.1 770.2 791.6 ECL Provision % 0.3% 11.5% 22.7% 473.1 39,530.9 1.2% Provision Coverage Ratio For period ended Mar'21 Loans - Principal Outstanding 32,323.0 773.3 621.7 ECL Provision 121.0 108.5 223.5 9.5 Net Loans - Principal Outstanding 32,202.0 664.9 398.1 ECL Provision % 0.4% 14.0% 36.0% 33,718.0 462.5 33,255.5 1.4% 47.1% Mar'22 (83.6% Pre-RBI circular) 46.2% Dec'21 (69.1% Pre-RBI circular) 74.4% Mar'21 Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to ₹444.05 millions as non-performing assets (Stage 3) as at 31 Mar 2022 in accordance with regulatory requirements. Data for the period ended Mar'22 and Dec'21 is post classification as per RBI Circular dated 12 Nov 2021 Investor Presentation - Q4 FY22 36 homefirst We'll take you home

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