Investor Presentation - Q1 FY23

ECL Provisions Summary Particulars (in Mn) For period ended Jun'22 Stage 1 Stage 2 Stage 3 Loan Commitment Total - Loans Principal Outstanding 46,000.9 656.8 1,020.0 ECL Provision 150.1 76.5 Net Loans - Principal Outstanding 45,850.8 580.3 ECL Provision % 0.3% 11.6% 228.8 791.2 22.4% 11.6 47,677.7 467.0 47,210.7 1.0% For period ended Mar'22 Loans Principal Outstanding 41,926.5 573.5 1,015.2 ECL Provision 143.0 71.0 252.5 11.3 Net Loans - Principal Outstanding 41,783.5 502.5 762.7 43,515.2 477.8 43,037.4 ECL Provision % 0.3% 12.4% 24.9% 1.1% For period ended Jun'21 Loans - Principal Outstanding ECL Provision Net Loans - Principal Outstanding ECL Provision % - 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 *443.62 millions as non-performing assets (Stage 3) as at 30 Jun 2022 in accordance with regulatory requirements. Data for the period ended Jun'22 and Mar'22 is post classification as per RBI Circular dated 12 Nov 2021 32,424.8 1,320.7 665.5 131.9 153.5 174.3 8.3 32,292.9 1,167.2 491.2 34,411.0 467.9 33,943.1 0.4% 11.6% 26.2% 1.4% Investor Presentation - Q1 FY23 36 Total Provision Coverage Ratio 45.8% Jun'22 (81.0% Pre-RBI circular) 47.1% Mar'22 (83.6% Pre-RBI circular) 70.3% - Jun'21 homefirst We'll take you home

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