Investor Presentation - Q3 FY22

Portfolio Yield COB Spread Last 4 Years Net Interest Spread Movement Last 7 Quarters 13.1% 13.1% 13.0% 12.8% 12.7% 12.8% 12.8% 12.6% 12.9% 13.0% 12.3% 8.5% 8.8% 8.8% 8.3% 8.4% 8.0% 8.0% 7.4% 7.2% 7.1% 7.2% FY18 FY19 FY20 FY21 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 5.6% 5.6% 5.4% 5.5% 4.8% 5.0% 4.6% 5.0% 3.8% 4.1% 3.9% FY18 FY19 Data as per IGAAP Investor Presentation -Q3 FY22 FY20 FY21 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 25 Expansion in Spreads Sustained Cost of Borrowing Incremental yield for Q3FY22 stood at 13.1% Marginal COB for Q3FY22 stood at 7.6% homefirst We'll take you home

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