Investor Presentaiton

Executive Summary - Q3FY24 Business Metrics & Expansion Operations • Delivered AUM growth of 42% YoY to Rs. 5,609 Cr . • Portfolio LTV maintained at 51%, ATS continues to be at Rs. 10 Lacs Geographic presence stood at 215 locations as of 31st December'23 The company continues to deepen its presence by adding 12 new branches • Continues to maintain strong focus on leveraging tech to improve operations, onboarding and customer experience Continues to focus on digital operations, company now processes 92% digital collections, 98% e-signing of applications Liquidity & Cost of Borrowing Operating Efficiencies Asset Quality Profitability • • • • • • • • • In Q3, cost of funds was maintained at 8.8% despite rising interest rate market Comfortable liquidity position, liquidity buffer stood at Rs. 1,488 Crs as of 31st December 2023 Net Income grew by 47% YoY to Rs. 145 Crs in Q3FY24 as against Rs. 98 Crs in Q3FY23 In Q3, Opex to AUM improved to 4.4% from 4.8% in Q3FY23 In Q3, Cost to Income improved to 41.1% from 46.3% in Q3FY23 Login to Disbursement TAT of 6 days Gross Stage 3 and Net Stage 3 stood at 1.2% and 0.9% as of 31st December 2023 as against 2.3% and 1.8% as of 31st December 2022 30+ DPD stood at 3.5% as of 31st December 2023 as against 3.5% as of 31st December 2022 Credit Cost for the quarter stable at 0.3%. Profit after tax grew by 55% YoY to Rs. 62 Crs in Q3FY24 as against Rs. 40 Crs in Q3FY23 In Q3, the company delivered annualized ROA of 4.7% as against 4.2% in Q3FY23 In Q3, the company delivered annualized ROE of 13.9% as against 13.8% in Q3FY23 IndiaShelter Home Loans 4

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