Investor Presentaiton

30 30 RoA Tree Particulars H1 FY 22 FY 21 FY 20 FY 19 Revenue from operations/Avg Loan book 17.72% 17.60% 18.50% 17.80% Other Income/Avg loan book Total Revenue/Avg loan book Finance cost/Avg loan book 0.49% 18.21% 5.18% Spread/Avg loan book 13.03% 0.50% 18.10% 19.30% 18.50% 5.70% 6.80% 6.40% 11.50% 11.10% 10.70% 0.80% 0.70% Operating expenses/Avg loan book 2.74% 2.70% 3.40% 3.80% Credit cost/Avg loan book 0.68% 0.16% 0.10% 0% PBT/Avg loan book 9.77% 9.50% 9.10% 8.40% PAT/Avg loan book PAT/Networth 7.43% 7.30% 7.01% 6.10% 14.09% 13.66% 17.52% 17.43% APTUS™

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