Investor Presentaiton

Strategy for INDOSTAR 2.0 New Customer Acquisition Asset Quality Cost Optimization Strengthened Core Management Team to focus on each of the business segments • Focused on serving the used CV market with higher yields INDOSTAR • • • Moving branch network into the hinterland, serving customers in tier 3 and tier 4 towns Strengthened controls, reviewed policies and upgraded technology systems right from loan origination, credit appraisal, disbursal, loan management and collection processes and continuing to do that. Sustained efforts to reduce stressed book through collection, repossession and settlement Strengthened collection mechanism by adding people. It is enabling robust collections, leading to 120%+ collection efficiency, indicating clearances of old delinquencies Identified stressed pool in our CV portfolio and conservatively made provisions Strengthening the hub and spoke model by opening more branches in tier 3 & 4 towns Focused on opening smart branches that operate with greater efficiency, less manpower and more through the Customer App Investments in technology and digitization, to improve operating turnaround times and productivity and drive operating cost efficiencies 6

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