Investor Presentaiton

Key Financial Metrics - SHFL Value in Cr. Financials Loan Book Y-o-Y Comparison Y-o-Y Comparison FY'22 Q4'22 FY'21 ΔΥΟΥ Q4'21 ΔΥΟΥ 4575 3426 33.5% 4575 3426 33.5% Disbursals 2739 2195 24.8% 1118 1005 11.2% Total Income 549.2 422.3 30.0% 149.6 111.0 34.8% Interest Income 422.6 302.6 39.6% 114.5 84.1 36.2% Net gain on Assignment 55.1 73.9 (25.5)% 12.8 9.0 41.7% Other Income 71.5 45.8 56.2% 22.3 17.9 24.6% Interest Expense 280.6 208.0 34.9% 70.3 60.6 15.9% NIM 268.6 214.3 25.3% 79.3 50.4 57.4% Operating Cost 148.6 110.0 35.2% 43.8 33.8 29.6% - Personnel Costs 85.2 66.5 28.2% 24.5 19.7 24.2% - Other Costs 63.4 43.5 45.7% 19.3 14.1 37.2% Profit before provisions & tax 119.9 104.4 14.9% 35.5 16.6 114.1% Provisions & write-offs 10.8 20.1 (46.4)% 5.1 2.4 116.8% PBT 109.1 84.2 29.6% 30.4 14.2 113.6% Taxes 28.8 21.9 31.8% 8.3 0.0 nm PAT 80.3 62.4 28.8% 22.1 14.2 55.6% ☐ Income Reversal of 16 Cr related to prior period on account of Assignment Income recognition methodology change Expenses include ~14 Cr investment in Griha Poorti in FY'22, benefits to accrue next year Note: Financials are as per IND-AS 30 SHRIRAM City MONEY WHEN YOU NEED IT MOST SHRIRAM HOUSING FINANCE

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