Investor Presentation - Q3 FY22

Strong Governance Practice • . Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee. Company's risk management framework is driven by its Board and its subcommittees including the Audit Committee, the Asset Liability Management Committee and the Risk Management Committee. "Risk Management Committee” meetings on matters including Operational, Risk oversight, fraud prevention and control. Clean Track Record Corporate Governance Structure -0 Strong 5-tier corporate governance framework in place for effective risk management Audit Committee Financial Expertise Nomination and Remuneration Committee Recruitment & Remuneration Stakeholder Relationship Committee Stakeholder Grievances Internal Audit Board of Directors Committees Risk Management Committee Operational & Risk oversight, fraud prevention and control Top Management • NO Defaults. Corporate Social Responsibility Committee CSR initiatives Compliance . NO Auditor qualification. NO Re-statements of financials. NO Allegations of financial imprudence. • Implemented 3 ESOP plans. Investor Presentation -Q3 FY22 Asset & Liability Management Committee 21 Treasury Organizational Communication Policy Implementation • Controls & Reviews • Risk Monitoring & Reporting Credit Committee Credit & Analysis IT Strategy Committee IT Systems Vulnerability Assessment Grievance Redressal Committee Customer Complaints & Queries homefirst We'll take you home

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