Q4 & FY22 - Investor Presentation

Microfinance: 5-Year Performance Well diversified across geographies Maintaining high operational efficiency Demonetization 2% MFI AUM Mix (%) 1% 1% 6% 7% 0.2% 2% 5% 1% 9% " 61% 21% 20% 1% 17% 18% 18% 11% 4% 1% 56% 13% 21% 24% 21% 18% 48% 43% 45% 42% 21% 13% 27% 25% 27% 72% 22% I 44% 31% 27% 27% 23% I I FY17 FY18 FY19 FY20 FY21 FY22 FY17 FY18 FY19 FY20 FY21 L FY22 ■Gujarat ■MP ■Maharashtra UP ■Uttarakhand Cost / Income (%) Rajasthan Haryana ■Bihar ■IBL Through cycle asset quality under control Demonetization 2.9% 2.0% 1.3% 0.9% 0.3% FY17 L FY18 2.4% 0.9% 0.5% FY19 FY20 5.8% 4.0% 4.1% FY21 Sustaining strong ROA (%) & ROE (%) Demonetization 13.1% 3.7% 11.3% 27.1% 26.2% 17.5% COVID-19 4.2% 3.1% 1 3.9% 4.6% 1.9% 2.6% 0.8% I FY18 I FY19 I FY20 FY21 FY22 J FY17 FY22 L-- -MFI GNPA (%) - Provisions & Write-offs (% of Avg. On-Book AUM) Note: FY22, FY21, FY20 & FY19 figures are as per IND-AS, all the figures prior to FY19 are as per I-GAAP. Return on Avg. AUM (%) Return on Avg. Equity (%) 36

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