Investor Presentation - Q4 FY22

Glossary Terms POS - Principal Outstanding NII Net Interest Income NIMS Net Interest Margin DA Direct Assignment / Assigned Assets AUM - Assets Under Management Explanation Loans - Principal outstanding represents gross principal outstanding of loans as of the last day of the relevant period or year as per the restated financial statements. Net Interest Income represents interest income on term loans minus Interest on borrowings and Interest on debt securities for the relevant year or period Net Interest Income / Average total assets Assigned Assets represents the aggregate of current principal outstanding and overdue principal outstanding, if any, for all loan assets which have been transferred by the Company by way of assignment as of the last day of the relevant year or period. The Assigned Assets represent the direct assignments and not pass through certificate. Assets Under Management/Gross Loan Assets represents the aggregate of current principal outstanding and overdue principal outstanding, if any, for all loan assets under management which includes loan assets held by the Company as of the last day of the relevant year or period as well as loan assets which have been transferred by the Company by way of assignment and are outstanding as of the last day of the relevant year or period. DPD Days Past Due Opex to Assets Cost to Income Gross Stage 3 / POS % DPD 30+ Operating Expenses / Average Total Assets Operating Expenses / Net Total Income % Stage 3 loan assets / Loans - Principal Outstanding DPD 30+ represents sum of Stage 2 loan assets and Stage 3 loan assets at the end of the relevant year or period Investor Presentation - Q4 FY22 44 home first We'll take you home

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