Investor Presentaiton

Key Success Factors FIVE STAR Business Finance Limited Deep Understanding of Customer Segment & Conservative Lending Practices 20 years of operations 2 ATS of 3-5 lakhs Conservative DBR / LTV norms Compelling Economics & Best in Class Return Metrics Yields of ~24%; Spreads of ~12-13% Industry leading ROA at >8% with ROE at -15% Industry Leading Asset Quality Gross Stage 3 of < 1.5% Net Stage 3 of <1% even on a steady-state basis Well Capitalized & Low Leverage Current D/E of ~1x Can target a strong AUM growth trajectory at 3-3.5x leverage Strong Board & Experienced Management Team Board with significant industry experience Experienced Management team of 21 members High Governance Focus Statutory Auditor - S.R.Batliboi & Associates LLP - Internal Auditor – Sundaram & Srinivasan Audit Committee, Risk Management Committee, Nomination & Remuneration Committee, IT Strategy Committee headed by Independent Directors 00 8

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