Investor Presentaiton

Provision for Contingencies (ECL) APTUS R Rs in lakhs Consolidated 31-Dec-23 30-Sep-23 30-Jun-23 31-Mar-23 31-Mar-22 Gross Stage 3 9,571 9,061 9,224 7,767 6,184 % portfolio in Stage 3 1.19% 1.19% 1.29% 1.15% 1.19% ECL Provision Stage 3 2,393 2,265 2,306 1,942 1,546 Net Stage 3 7,179 6,796 6,919 5,825 4,638 Provision coverage ratio (PCR) 25.00% 25.00% 25.00% 25.00% 25.00% Gross Stage 2 39,172 36,491 35,474 31,998 45,156 % portfolio in stage 2 4.85% 4.80% 4.98% 4.75% 8.72% ECL Provision Stage 2 3,127 2,956 2,596 2,551 1,021 Net Stage 2 36,046 33,535 32,878 29,446 44,135 Provision coverage ratio (PCR) 7.98% 8.10% 7.32% 7.97% 2.26% Gross Stage 1 7,58,426 7,14,816 6,67,634 6,34,066 4,66,620 % portfolio in stage 1 ECL Provision Stage 1 93.96% 3,034 Net Stage 1 7,55,392 Provision coverage ratio (PCR) 0.40% 94.01% 2,838 7,11,978 0.40% 93.73% 2,649 6,64,984 0.40% 94.10% 2,625 90.09% 6,31,441 0.41% 1,602 4,65,018 0.34% Total AUM 8,07,170 7,60,368 7,12,332 6,73,831 5,17,960 ECL Provision 8,553 8,060 7,551 7,119 4,169 Provision coverage ratio (PCR) 1.06% 1.06% 1.06% 1.06% 0.80% 23 23

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