Investor Presentaiton

Debt profile HDC weighted average interest rate (1) Type of borrowing Interest rate (%) 5.8% Sovereign guarantee From MoF Others All HDC debt repayment profile as of 30 Nov 2020 (US$m) 149 Less than 1 year Source: Company information, FX of USD/MVR 15.42 used. (1) 92 42 6.3% 8.8% 6.0% HDC types of borrowings (as of November 2020) From MoF Others 3.6% 14.3% 193 US$695m Sovereign guaranteed 82.1% 265 HOUSING DEVELOPMENT CORPORATION More than 5 years 2 to 5 years 1 to 2 years Weighted average interest rate based on gross loan amount and not loan amount outstanding. 27

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