Investor Presentation - Q1 FY23

Diversified funding profile at competitive Cost of Borrowing DA & Co-lending COB% (Represents quarterly avg.) NCD NHB Refinance NBFC Public Sector Banks Pvt Sector Banks Borrowings Mix and Cost of Borrowing trend Credit Rating upgraded from [ICRA] A+ 'Positive' to [ICRA] AA- 'Stable' 21% 20% 8.3% 7% 7% 8.0% 6% 21% 26% 29% 26% 20% 23% 22% 23% 25% 22% 6% 6% 4% 3% 5% 24% Credit Rating upgraded from CARE A+ 'Stable' to CARE AA- 'Stable' 25% >> 23% 27% 2% 7.4% 1% 1% 1% 2% 2% 3% 2% 7.2% 7.1% 7.2% 7.2% 25% 27% 27% 24% 22% 22% 6.9% 25% 24% ZERO borrowing through commercial papers 22% Sep'20 19% Dec'20 19% Mar'21 21% Jun'21 21% Sep'21 20% 23% Dec'21 Mar'22 Some of our Strong and longstanding banking relationships 25% Short term rating of Jun'22 A1+ (ICRA and India Ratings) Public Sector Banks State Bank of India Central Bank of India Union Bank HDFC Bank ICICI Bank Axis Bank South Indian Bank IDBI Bank Bank of India Private Sector Banks NBFC Bajaj Finance Federal Bank Kotak Mahindra Bank HSBC Qatar National Bank Investor Presentation - Q1 FY23 Validation by NHB - Single largest lender with 11,886.9 Mn outstanding 20+ lines 30 Diversified borrowing sources with inclusion of Qatar National Bank and South Indian Bank homefirst We'll take you home

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