Investor Presentaiton

Sound Credit Indicators DPD 1+ / POS DPD 30+/POS % Stage 3/POS Stage 2/POS 5.2% 7.6% 4.7% 6.5% 6.2% 4.1% 3.7% 1.7% 3.7% 3.5% 5.3% 5.3% 3.3% 5.0% 4.7% Improvement continues in 4.4% 2.6% 1.8% 3.2% 2.0% 2.3% 2.3% 2.1% 1.9% 1+ & 30+ DPD 1.7% 3.5% 0.8% 1.0% 2.3% 2.1% 1.4% 1.4% 1.4% 1.4% 0.9% 0.9% Mar'19 Mar'20 Mar'21 Mar'22 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Mar'19 Mar'20 Mar'21 Mar'22 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Gross Stage 3/POS (GNPA) % Net Stage 3/ Net POS (NNPA) % Re-classification due to RBI circular Re-classification due to RBI circular 2.6% 2.0% 2.3% 1.8% Recovery from SARFAESI continues 2.3% 2.1% 1.8% 1.7% 1.9% 0.9% 1.4% 0.7% 1.0% 1.0% 0.9% 1.2% 0.9% 0.8% 0.9% 0.8% 0.8% 0.7% 1.2% 0.6% 1.8% 1.7% 1.7% 1.3% 0.8% 1.0% 1.3% 1.3% 0.9% 1.2% 0.9% 1.1% 0.9% 0.7% Mar'19 Mar'20 Mar'21 Mar'22 Sep'21 Dec'21 Mar'22 Jun 22 Sep'22 Mar'19 Mar'20 Mar'21 Mar'22 Sep'21 Dec'21 Mar 22 Jun 22 Sep'22 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 aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to 442.39 millions as Gross Stage 3 (GNPA) as at Sep'22 in accordance with regulatory requirements. Investor Presentation - Q2 FY23 29 homefirst We'll take you home

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