Q4 & FY22 - Investor Presentation

2W Loans: 5-Year Performance Yields (%) & NIM (%) Trend 25.7% 24.9% 25.5% 23.9% 24.4% 18.4% 14.8% 15.6% 16.5% 14.0% Arman 2W AUM/ has seen steady growth over FY15-20 COVID-19 955 سالار 459 461 L FY21 FY22 FY20 1,017 900 738 FY19 FY17 FY18 FY19 FY20 FY21 FY22 FY17 FY18 -Yields % NIM % Disbursement growth is driven by sharp recovery in 2 wheeler sales 19,443 20,122 17,589 ■Arman 2W AUM (INR Mn) Collection focus has ensured superior NPA as compared to peers; NPA has inched up because of change in recognition norms 16,809 COVID-19 10.0% 7.4% 9.6% 8.8% 8.7% 9.15% 8.75% 7.2% 8.1% 5.4% 6.2% 4.6% 8.34% 6.90% 7,177 4,434 3.9% 4.0% I 3.0% 2.8% 428 247 I FY17 FY18 FY19 FY20 FY21 FY22 I I FY20 FY21 FY22 L Arman 2W GNPA (%) -Player 1 -Player 2 -# of 2W loans disbursed 923 962 824 843 FY17 FY18 FY19 2W disbursement (INR mn) Note: FY22, FY21, FY20 & FY19 figures are as per IND-AS, all the figures prior to FY19 are as per I-GAAP. 37

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