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Investor Presentaiton

• Environmental, Social and Governance [ESG] Indiabulls HOUSING FINANCE The COVID-19 pandemic upended our way of life and the many things we took for granted It also gave us pause to think about Company's impact on the environment and the communities we operate in Environmental, Social & Governance [ESG] framework and ratings offer us a ready template to help us operate and grow in a responsible manner ESG ratings will also open up new avenues of debt and equity monies. ESG ratings considerations is a central mandate of many newly launched funds in addition to purely ESG focused funds USD 37.8 trillion Global ESG assets as at Mar 2021 USD 11 trillion Global ESG debt market size expected by 2025 USD 53 trillion Estimated global ESG assets by 2025 USD 1.4 billion AUM of the 10 ESG funds in India as at Mar 2021 In FY22, the Company will get itself rated/graded on ESG parameters and own up to 5 and 10 year goals on ESG factors. ESG will also be woven into the performance metrics of the managerial staff: S&P ESG Rating: International ESG rating from S&P Cyber Security Maturity Assignment [CSMA]: Cyber-security gap analysis and risk management Complete Materiality Analysis: 360° risk analysis Embed an ESR [Environmental and Social Risk] framework: operating policies for responsible business conduct e.g. credit policies promoting responsible lending An independent review of the Company's sustainability initiatives is now available on the website and will be updated on a quarterly basis 13
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