Q4 & FY22 - Investor Presentation

Differentiated Operations Focus on small-ticket retail loans to the large under-served informal segment customer in rural & semi-urban geographies KEY STRATEGIC DIFFERENTIATORS Diversifying products, geographies, sources of funds and delivering growth by increase in volumes rather than ticket sizes Conservative operations framework with focus on risk & asset quality Completely in-house operations with bottoms up driven credit appraisal models and rigorous collections practices – tailored for the areas of operations Business model centered around conservative approach to high yielding assets to deliver a sustainable ROA of 3-5% 24

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