Investor Presentation - Q3 FY22

DPD 1+ / POS DPD 30+/POS % Stage 3/POS Stage 2/POS Sound Credit Indicators 5.8% 5.2% 7.5% 6.2% 6.2% 4.4% 3.1% 3.2% 8.9% 7.6% 6.5% 1.9% 4.7% 4.1% 4.1% 4.1% 1.7% Significant 1.8% 1.6% 2.6% 1.8% improvement in 1.7% 2.0% 1.4% 3.8% 1+ & 30+ DPD 3.5% 1.0% 0.8% 0.6% 2.3% 2.5% 2.3% 2.1% 0.8% 0.9% 0.9% Mar'18 Mar'19 Mar'20 Mar'21 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'18 Mar'19 Mar'20 Mar'21 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Gross Stage 3/POS (GNPA) % Re-classification due to RBI circular 2.6% 1.8% 1.8% 1.9% 0.9% 1.7% 1.6% 1.0% 0.8% 0.6% 1.7% Net Stage 3/ Net POS (NNPA) % Re-classification due to RBI circular 2.0% 1.4% 1.2% 0.7% 1.2% I 1.1% 1.2% 0.5% 0.6% 0.8% 1.3% Recovery from SARFAESI continues Mar'18 Mar'19 Mar'20 Dec'21 Mar'18 Mar'19 Mar'20 Mar 21 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar 21 Dec 20 Mar'21 Jun'21 Sep'21 Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has changed its NPA definition to comply with the norms/ changes for regulatory reporting, as applicable. The Company has also on the basis of prudence to aligned Stage 3 definition to revised NPA definition. This is resulted in classification of loans amounting to *339.20 million as non-performing assets (Stage 3) as at 31 Dec 2021 in accordance with regulatory requirements. However, the said change does not have a material impact on the financial results for the quarter / nine months ended Dec'21. Investor Presentation -Q3 FY22 28 homefirst We'll take you home

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