Investor Presentaiton

Key Financial Metrics Indiabulls HOUSING FINANCE FY2011 FY2012 FY2013 FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 | FY2021 Pre Tax RoAA [%] 5.5% 4.9% 4.9% 4.8% 4.9% 4.9% 4.6% 4.3% 4.2% 2.2% 1.6% Post Tax ROAA [%] 4.1% 3.7% 3.8% 3.8% 3.7% 3.7% 3.6% 3.3% 3.0% 1.9% 1.3% ROE [%] 17% 22% 26% 27% 29% 26% 26% 30% 24% 18% 7.5% Capital Adequacy [%] # 23.87% 19.96% 18.58% 20.47% 19.60% 23.38% 20.91% 20.82% 26.49% 27.09% 30.65% - Tier |# 23.63% 19.27% 15.05% 16.10% 16.28% 20.36% 17.25% 15.07% 19.81% 20.31% 23.96% - Tier II# 0.24% 0.69 % 3.53% 4.37% 3.32% 3.02% 3.66% 5.76% 6.68% 6.78% 6.69% # Adjusted for mutual fund investments ROAA: Return on Average Assets RoE: Return on Equity 47

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