Shriram Finance Q4 FY23 Financial Overview

Access to Low Cost Funds Funding Mix as % of Overall Liabilities Retail Banks/Institutions 85.40% 87.18% 86.80% 84.76% 80.86% 77.11% 14.60% 12.82% 13.20% 15.24% 19.14% 22.89% FY 18 FY 19 FY 20 FY 21 FY 22 FY 23 SHRIRAM Finance * Strategic mix of retail deposits and institutional funding matched favorably with deployment * Access to fixed rate long term loans of 3 - 5 years due to strong relationships with public, private sector, foreign banks and institutions Securitization of loan book at regular intervals to fund new originations and maintain growth momentum Securitized assets portfolio stands at 212.5 bn and Direct Assignment Portfolio Rs. 23.4 bn at the end of Q4 FY23 28

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