Investor Presentaiton

Executive Summary - SHFL SHRIRAM City MONEY WHEN YOU NEED IT MOST Assets Under Management (AUM): 5000 Cr. Milestone crossed in Q4FY22. AUM as at end of Q4FY22 stands at Rs. 5,355 Cr versus Rs. 3,929 Cr in Q4FY21 and Rs. 4,606 Cr in Q3FY22, representing growth of 36% YOY and 16% QOQ. Disbursements: Q4FY22 disbursals of Rs. 1,118 Cr were the highest quarterly disbursals ever, as against Rs. 1,005 Cr in Q4FY21 and Rs. 768 Cr in Q3FY22 representing a YOY growth of 11% and QOQ growth of 46%. FY22 also clocked highest annual disbursals of Rs. 2,739 Cr representing 25% growth YOY. Portfolio Quality: Lowest 90+ DPD of 0.97% on AUM since inception. Gross Stage 3 Assets also lowest at 1.11% on Loan Book (excl. impact of RBI Circular dated 12th Nov'21). With impact of RBI Circular, Gross Stage 3 Assets are 1.72% on Loan book. Profits: Profit before Tax of 100 Cr.+ recorded in FY'22, first time since inception representing 30% growth YoY. Distribution Network: 100+ branches (additional 21 opened in FY22) represents investment in our distribution network. Post its successful launch in AP/TG across 178 locations (contributing 8% of quarterly Home Loan originations), "Griha Poorti", the initiative launched to leverage on the group's vast distribution network, has now been extended to Gujarat. 22 locations in Gujarat have been activated in Q4FY22, another 18 are in the pipeline and will be activated in Q1FY23. Key features of "Griha Poorti": 100% direct origination, granular portfolio, yield of 13.1% and negligible delinquency. Average ticket size of retail portfolio: Rs. 16.4 Lacs. Home loan yield of 12.0% Collection efficiency of 100.8% in March 2022 Strong liquidity back up of Rs. 1445 Cr. in the form of cash & bank balances and un-availed credit lines Incremental borrowing cost declined by 163 bps YoY to 6.98% for FY22. NHB refinance of Rs. 500 Cr. availed. Comfortable ALM position with nil negative mismatch on cumulative basis 23 SHRIRAM HOUSING FINANCE

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