Investor Presentaiton

Executive Summary SHRIRAM City MONEY WHEN YOU NEED IT MOST Loans disbursed: Rs. 26140 Cr in FY22 versus Rs. 17154 Cr in FY21, a growth of 52.4%. These have been our best ever disbursements in a Financial Year. 10 Assets Under Management: Growth traction continued, with AUM of Rs. 33186 Cr as on 31st March'22 versus Rs. 32247 Cr as on 31st Dec 21 and Rs. 29571 Cr as on 31st March'21. AUM growth: 12% YOY and 2.9% QOQ. Best ever profitability metrics: PBT of Rs. 418 Cr. and PAT of Rs. 303 Cr. in Q4FY22 are our highest ever, as are PBT of Rs. 1461 Cr. and PAT of Rs. 1086 Cr. in FY22. Improved yields: Loan yields grew to 20.81% in FY22 versus 19.57% in FY21. Our FY22 yields are our highest in six years. Highest ever interest income: Rs. 6531 Cr in FY22 and Rs. 1751 Cr in Q4FY22, which is our best ever. Interest income in FY21 was Rs. 5738 Cr. Net Interest Margin for FY22 was 12.74% compared to 12.29% in FY21. Covid-related provisioning at the end of Q4FY22 stood at Rs. 426 Cr. SHRIRAM HOUSING FINANCE

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