Investor Presentation - Q1 FY23

y-o-y Executive Summary q-o-q Assets Under Management (AUM) 58,319 Mn Disbursement *6,612 Mn +3.1% Gross Stage 3 / POS (GNPA %) 2.1 (1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 20 bps +35.8% | +8.4% +117.0% Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9% +40 bps | -10 bps +390 bps +10 bps +20 bps +20 bps PPOP 699 Mn +15.2% +6.1% Profit After Tax (PAT) (3) 512 Mn +46.0% +6.4% (3) Return On Assets (ROA) 3.9% +80 bps -10 bps (1)Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to 443.62 millions as Gross Stage 3 (GNPA) as at Jun'22 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Jun'22 is 1.2%. (2) As per IGAAP (3)QoQ growth in PAT and RoA computed considering Adjusted PAT for Q4FY22 without the impact of one-time deferred tax liability adjustment Investor Presentation - Q1 FY23 03 homefirst We'll take you home

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