Investor Presentaiton

Diversified funding profile at competitive Cost of Borrowing DA & Co-lending NCD NHB Refinance NBFC Public Sector Banks Pvt Sector Banks Borrowings Mix and Cost of Borrowing trend Sep'20 Dec'20 Mar'21 Jun'21 COB% 21% 20% 20% Sep'21 23% Dec'21 Mar'22 Jun'22 Sep'22 22% 23% 25% 22% 21% (Represents quarterly avg.) 8.3% 7% 7% 8.0% 6% 6% 6% 4% 3% 3% 5% 21% 26% 29% 26% 24% 23% 27% 25% 21% 3% 2% 7.4% Long Term Credit Rating ICRA AA- 'Stable' CARE AA- 'Stable' India Ratings AA- 'Stable 1% 1% 1% 2% 2% 3% 2% 7.2% 7.1% 7.2% 7.2% 7.1% 20% 25% 27% 27% 25% 24% 24% 22% 22% 6.9% Short term rating 22% Sep'20 19% Dec'20 19% Mar'21 21% Jun'21 21% Sep'21 20% Dec'21 23% Some of our Strong and longstanding banking relationships Mar'22 25% Jun'22 32% Sep'22 A1+ (ICRA and India Ratings) ZERO borrowing through commercial papers Diversified borrowing sources with inclusion of Karnataka Bank and Yes Public State Bank of India Central Bank of India Union Bank Sector Banks Private Sector Banks HDFC Bank ICICI Bank Axis Bank South Indian Bank Karnataka Bank NBFC Bajaj Finance IDBI Bank Bank of India Federal Bank Kotak Mahindra Bank HSBC Qatar National Bank Yes Bank Bank Validation by NHB - Single largest lender with 11,209.8 Mn outstanding 20+ lines Investor Presentation - Q2 FY23 30 homefirst We'll take you home

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