Investor Presentaiton

Productivity Ratios Indiabulls HOUSING FINANCE FY FY FY FY FY FY FY FY FY FY FY 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 No. of 4,512 4,243 4,072 4,099 4,840 5,453 6,388 8,111 8,676 5,405 3,480 Employees Profit per 0.17 0.24 0.31 0.38 0.39 0.43 0.46 0.47 0.47 0.41 0.35 employee [Cr] Asset per 3.71 5.85 8.09 10.84 11.82 14.02 16.23 16.26 15.00 19.03 26.79 employee [Cr] Cost-to-Income Ratio 21.0% 18.7% 18.0% 17.1% 16.4% 14.3% 13.3% 12.5% 12.7% 16.2% 12.8% 46 46

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