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Investor Presentaiton

5 Management Update * Diversified Income stream from HL and Non-HL ɅPTUS APTUSⓇ Geographic expansion:- deeper penetration in existing markets and contiguous expansion to newer markets Tech focused, Data driven fully connected operations including centralized underwriting using AI/ML driven credit scoring model. Strengthening of Middle Management in Business and Support functions across IT, Credit, Technical, Legal & Collections Consistent / Resilient Profitability with RoA at 8.06% and RoE at 17.10% despite COOL significant challenges at macro level Awarded 'India's Leading Housing Finance NBFC (Mid) by Dun & Bradstreet at BFSI & FinTech Awards 2023

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