Investor Presentaiton

Analysis of Stage 3 - Product wise 18 Stage 3 Gross % Stage 3 Net % SHRIRAM City MONEY WHEN YOU NEED IT MOST Stage 3 ECL % Product Segment Mar-21 Dec-21 Mar-22 Mar-21 Dec-21 Mar-22 Mar-21 Dec-21 Mar-22 Small Enterprises Finance 7.26% 8.15% 7.03% 3.00% 4.24% 3.70% 60.50% 50.15% 49.19% Two Wheeler 5.80% 7.08% 6.04% 3.00% 3.84% 3.13% 49.74% 47.60% 49.74% Personal Loans 10.51% 11.28% 9.05% 5.76% 6.17% 3.95% 47.96% 48.24% 58.70% Loan Against Gold 2.86% 2.09% 1.99% 2.73% 2.00% 1.89% 4.86% 4.29% 5.54% Pre Owned Two Wheeler 2.21% 6.50% 6.28% 1.10% 3.61% 3.34% 50.83% 46.16% 48.46% Auto Loans 8.56% 10.38% 9.87% 4.37% 5.77% 5.24% 51.16% 47.11% 49.50% Loan Against Property 0.00% 0.22% 0.47% 0.00% 0.11% 0.23% 0.00% 51.28% 50.51% Total 6.37% 7.30% 6.31% 3.08% 3.98% 3.30% 53.24% 47.35% 49.28% SHRIRAM HOUSING FINANCE

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