Investor Presentaiton

Focus on delivering sustainable returns by optimizing operational efficiencies Yield on Assets Interest Expenses 20.4% 12.0% 16.4% 6.4% 15.2% 1.2% 13.7% 0.9% 14.4% 0.7% 2.9% 14.8% 1.5% 8.3% 8.1% 8.2% 7.8% 7.3% 7.7% 14.0% 13.9% 12.8% 13.7% 13.6% 13.2% Dec-20 Mar-21 Jun-21 Sep-21 Dec-2119M'22 Operating Income Gain on assignment III NIM SHRIRAM HOUSING FINANCE 9.1% 7.0% 6.6% 7.1% 5.5% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 19M'22 Dec-20 Mar-21 Jun-21 Sep-21 Dec-2119M'22 Total Income Operating Expenses ROA 3.8% 4.7% 4.8% 4.5% 4.0% I 4.0% 3.6% 0.5% I 0.3% 0.3% 3.0% 2.1% 2.1% 1.9% 1.3% 3.7% 4.0% 3.7% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 | 9M'22 Investment in Griha Poorti ~4.5 Cr in Q3'22 (~2.5 Cr. in Q2'22) Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 | 9M'22 Note: All numbers are calculated as % of Avg. Loan book, ROE as % of Avg. Net-worth 17.5% ROE 11.7% 10.1% 9.4% 8.8% 6.4% Dec-20 Mar-21 Jun-21 Sep-21 Dec-219M'22 A

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