L&T Q4 FY23 Financial Results

Financial Services Segment RETAIL. DIGITAL. SUSTAINABLE. Q4 Q4 % Var Rs. Bn FY22 FY23 % Var FY22 FY23 29.6 31.2 5% Income from Operations 119.7 125.7 5% 3.4 5.0 46% Reported PAT 10.7 16.2 52% Micro Loans 2.2 3.3 53% PAT (Net of NCI) accruing to the group 6.8 10.7 58% Book Gross Stage 3 Assets Net Stage 3 Assets Net worth 883.4 808.9 -8% 4.08% 4.74% 1.98% 1.51% A 199.5 215.3 8% Housing Finance SME Loans Consumer Loans On course to become a top-class 'digitally-enabled' retail finance company; moving from 'product-focused' to 'customer-focused' approach Q4 revolved around improved NIMS + Fees, lower credit costs, better asset quality and run down of wholesale & expansion of retail (share of Retail at 75% of Book) Adequate growth capital available (CRAR @ 24.52%) EPC PROJECTS | HI-TECH MANUFACTURING | SERVICES LARSEN & TOUBRO 29

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