Investor Presentation - Q4 FY22

y-o-y 9-0-9 Executive Summary | Q4FY22 Assets Under Management (AUM) *53,803 Mn +29.9% Disbursement *6,411 Mn +7.7% +41.9% +12.5% Gross Stage 3 / POS (GNPA %) 2.3% (¹) In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification -30bps Spread(2) 5.6% Cost to Income 35.7% Opex to Assets 3.0% +20 bps 0 bps -260 bps +270 bps +20 bps 0 bps PPOP *659 Mn +29.6% +1.2% (3) Profit After Tax (PAT) 482 Mn +54.0% +4.9% Return On Assets (ROA) 4.0% +110 bps 0 bps (3) (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 444.05 millions as Gross Stage 3 (GNPA) as at Mar'22 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Mar'22 is 1.3%. (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 - Q4 FY22 04 home first We'll take you home

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