Investor Presentaiton

NPA and Risk Management Asset quality improved for all NBFC segments except Gold loan NBFCs in FY23 Gross Non-Performing assets (%) % 6 5.0% 4.9% 4.8% 5 4.7% 4.1% 4.8% 3.8% 4 3.5% 3.6% 3.3% 3.3% 3.8% 3.1% 3.1%. 3 2.6%" 2.7% 2.4% 2.9% 2.2% 3.0% 2.1% 2.3% 2 2.4% 2.0% 1.3% 2.0% 1.8% 1 1.2% 1.2% 0.9% 0 FY18 FY19 FY20 FY21 FY22 FY23 HFCs Diversified MFI Gold Industry 1. GNPA for NBFC categories has been calculated based on weighted average Note: Analysis has been made based on 35 Banks: 10 HFCS, 15 Diversified, 3 MFIs and 2 Gold Loan NBFCs Source: Financial Results; BCG analysis 30 Copyright © 2023 by Boston Consulting Group. All rights reserved.

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