Investor Presentaiton

Portfolio risk sufficiently covered with PCR at 70% Q1 FY24 Q4 FY23 Provisioning & Coverage Loans Outstanding % of Loans Outstanding (Cr)^ ECL Provision (Cr) Loan Coverage Outstanding (Cr)^ % of Loan Outstanding ECL Provision (Cr) Coverage Stage 1 8,191 97.56% 85 1.04% 7,766 96.97% 90 1.16% Current 8,144 97.01% 84 1.03% 7720 96.39% 89 1.15% - 1-30 46 0.55% 1 2.97% 46 0.58% 1 2.91% Stage 2 68 0.81% 26 38.59% 77 0.96% 30 38.88% Stage 3 137 1.63% 96 70.10% 166* 2.07% 115 69.10% Total 8,395 100% 207 2.47% 8,009 100% 235 2.93% Q1 FY24 Q4 FY23 Impairment on financial instruments in Q1FY24 Amount (Cr) SSFL Consolidated SSFL Consolidated On write-off's 6.36 - On GNPA GNPA 1.49% 1.63% 1.95%* 2.07% (5.63) On stage 1, 2 & others (6.26) NNPA 0.45% 0.49% 0.58% 0.64% On Security Receipts 8.12 PCR 70.00% 70.10% 70.00% 69.10% - Amount receivable from assignment portfolio 26.00 Capital Adequacy 38.02% 37.60% 36.87% 36.34% (CRAR %) Total 28.58 * Post sale of 133 Cr portfolio to ARC in Q4FY23 ^ Excludes DA book 11

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