Q4 & FY22 - Investor Presentation

Q4 & FY22 - Consolidated Profit & Loss Statement Particulars (INR Mn) Q4 FY22 Q4 FY21 YoY (%) FY22 FY21 YoY (%) Assets Under Management (AUM) 12,332 8,144 51% 12,332 8,144 51% Disbursements 3,375 2,752 23% 1,0233 5,097 101% Shareholder's Equity * 2,127 1,868 14% 2,127 1,868 14% Income from Operations 756.5 450.0 68% 2340.1 1943.6 20% Other Income 1.6 2.4 -32% 9.9 6.8 47% Gross Total Income 758.1 452.3 68% 2,350.1 1,950.4 20% Finance Costs 247.0 201.8 22% 894.5 792.3 13% Net Total Income (NTI) 511.1 250.6 104% 1455.6 1158.1 26% Employee Benefits Expenses 118.2 91.8 29% 418.5 355.7 18% Depreciation and Amortisation 3.4 2.0 68% 9.5. 8.1 18% Other Expenses 61.3 48.2 27% 19.9 13.1 52% Pre-Provision Operating Profit 328.2 108.6 202% 828.5 663.6 25% Total Provisions & Write-offs 107.5 110.1 -2% 373.3 545.9 -32% Profit Before Tax 220.8 -1.5 455.2 117.6 287% Profit After tax 162.8 8.7 1772% 317.2 106.2 199% GNPA % NNPA % Return on Avg. AUM % Return on Avg. Equity % * 4.1% 4.6% (50 bps) 4.1% 4.6% (50 bps) 0.7% 0.6% 7 bps 0.7% 0.6% 7 bps 6.4% 1.5% 594 bps 3.1% 1.3% 180 bps 31.3% 1.9% 2940 bps 15.6% 5.8% 980 bps Note: * Fully-diluted equity base There may be minor variations between Namra + Standalone figures and the consolidated figures due to eliminations / knock-offs RoE PAT/Avg. Fully Diluted Equity; GNPA % = GNPA / AUM (On + Off-Book); NNPA % = NNPA / AUM (On + Off-Book). RoE and Return on Avg. AUM figures are annualized. 8

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