Investor Presentaiton

Diversified and Cost-Effective Funding Profile Well diversified borrowing mix 100% 3% 14% 3% 16% 0% 23% 80% 30% 60% 38% 43% 4% 40% 6% 50% 20% 37% 8% 27% 0% Sep'22 Jun'22 Sep'21 ■Bank Term Loans Other Term Loans ■NCD Securitisation ■ ECB Cost of incremental borrowings 11.37% 10.80% 9.68% Cost of funds on the book FIVE STAR Business Finance Limited (156bps) 12.07% 11.48% 8.51% 8.33% 11.06% 10.51% 10.56% 23,618 6,364 17,817 3,154 FY19 FY20 FY21 Incremental Borrowings (* Mn) 1 FY22 6,400 H1 FY23 Incremental Cost of Borrowings 2 FY19 FY20 FY21 FY22 H1 FY23 Average Cost of Borrowings Note: 1.. Incremental borrowings during the period; 2. Represents weighted average rate of interest on fresh borrowings in the relevant period, weights being availed amount of each borrowing during the period. 34

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