Business Trends and Strategic Changes

SHFL - Leveraging the Outreach through Affordable Housing AUM Rs. 505 crore Growth of 59% YoY Disbursement Rs. 316 crore Growth of 111% YoY ⑥SATT ATIN • Impeccable track record of 5+ years • Clients belonging to middle and low- income groups from tier II and below cities GNPA ווי CRAR $9 Earnings Hv 0.34% Maintained strong asset quality 45.3% Healthy CRAR to support growth opportunities PAT Rs. 6 crore ROA 1.5% | ROE 4.8% 3 successive profitable years 100% retail book Eligible for SARFAESI enforcement • No willful default or fraud since inception • No ALM mismatch 21 lenders including NHB refinance Data as on Mar'23/for FY23 unless specifically mentioned 6

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