Investor Presentation - Q4 FY22

DA NCD COB% (Represents quarterly avg.) NHB Refinance NBFC Public Sector Banks Pvt Sector Banks Borrowings Mix and Cost of Borrowing trend Diversified Funding Profile at competitive cost of borrowing India Ratings assigned "IND AA-/Stable" for Bank loans and NCD 21% 19% 22% 8.5% 21% 8.8% 8.6% 5% 18% 21% 1% 2% 20% 20% 22% 23% 23% 25% 7% 8.3% 6% 6% 5% 4% ICRA revised the long-term credit rating outlook from A+ 'Stable' to 7% 8.0% 6% 7.4% 7.2% 7.1% 7.2% 7.2% A+ 'Positive' 21% 21% 26% 29% 26% 24% 23% 27% 2% 2% 1% 1% 1% 2% 2% 2% 32% 33% 29% 27% 25% 24% 25% 27% 24% 22% ZERO borrowing through commercial papers 28% Dec'19 25% Mar'20 21% Jun'20 22% Sep'20 19% Dec'20 19% Mar'21 21% 21% Jun'21 Sep'21 Some of our Strong and longstanding banking relationships 20% Dec'21 23% Mar'22 Short term rating of A1+ (ICRA and India Ratings) State Bank of India Central Bank of India Union Bank HDFC Bank ICICI Bank Axis Bank Public Sector Banks Private Sector Banks Long term rating of NBFC Bajaj Finance IDBI Bank Bank of India Federal Bank Kotak Mahindra Bank A+ Stable CARE HSBC Investor Presentation - Q4 FY22 Validation by NHB - Single largest lender with ₹ 11,942.85 Mn outstanding 20+ lines 30 home first We'll take you home

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