Investor Presentation - Q3 FY22

y-o-y 9-0-9 Assets Under Management (AUM) *49,940 Mn Disbursement *5,696 Mn +26.7% Spread(2) +8.2% +63.3% 5.6% Executive Summary | Q3FY22 Gross Stage 3 / POS (GNPA %) 2.6% (¹) +10.6% In line with RBI circular dated 12 Nov 2021 1.7% prior to such classification Opex to Assets Cost to Income 33.0% 2.8% -20 bps 0 bps -1700 bps -220 bps +60 bps 0 bps PPOP 651 Mn +127.7% +9.2% Profit After Tax (PAT) *459 Mn +188.7% (3) +6.6% Return On Assets (ROA) 4.0% (3) +230 bps +30 bps Long term credit outlook improved to A+ Positive by ICRA (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 changed its NPA definition to comply with the norms/ changes for regulatory reporting, as applicable. The Company has also on the basis of prudence to aligned Stage 3 definition to revised NPA definition. This is resulted in classification of loans amounting to 339.20 million as non-performing assets (Stage 3) as at 31 Dec 2021 in accordance with regulatory requirements. However, the said change does not have a material impact on the financial results for the quarter / nine months ended Dec'21.Gross Stage 3 prior to such classification for Dec'21 is 1.7%. (2) As per IGAAP (3) QoQ growth in PAT and ROA computed considering Adjusted PAT for Q2FY22 without the impact of one-time deferred tax liability adjustment Investor Presentation -Q3 FY22 03 homefirst We'll take you home

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