Investor Presentaiton

Financial Summary 1. Net AUM growth of 4,359 Mn in Q2FY23 as against ₹599 Mn in Q2FY22 2. AUM was up 24% at 57,324 Mn as against 46,393 Mn as of 30 September 2021 3. Disbursements during the quarter was at *8,028 Mn as against ₹3,533 Mn during Q2FY22 4. Active loans almost touched 0.25 Mn as against 0.19 Mn as of 30 September 2021 FIVE STAR Business Finance Limited 5. The Company added 41 branches during the quarter. Total branch count stood at 352 as against 268 branches as of 30 September 2021 6. Total Headcount stood at 6,731 as against 4,306 as of 30 September 2021 7. The Company continued to have a robust collection efficiency of 100.1% during the quarter 8. During the first half of the year, the company has raised incremental debt of ₹6,400 Mn, at a weighted average rate of interest of 8.33% (all-inclusive cost of 8.66%1 on fresh borrowings raised during the quarter). Liquidity buffer as of 30 September 2022 stood at about 7,950 Mn. 9. Gross & Net Stage 3 assets stood at 1.15% and 0.64% respectively as of 30 September 2022 as against 1.44% and 1.19% as of 30 September 2021 10. Overall stage 2 assets stood at 7,147 Mn (12.47%) as of 30 September 2022 as against 7,524 Mn (16.22%) as of 30 September 2021 and 7,730 Mn (14.59%) as of 30 June 2022. 11. The Provision coverage on Stage 3 assets stood at 44.27% and the provision coverage on the overall portfolio stood at 1.77% 12. Post tax profit grew by 22% to 1,442 Mn in Q2 FY23 as compared to ₹1,178 Mn in Q2 FY22 13. Capital adequacy remained high at 67.65% as of 30 September 2022 Notes: 1. Includes processing fee and other ancillary costs 23

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