Investor Presentaiton

India continues to have one of the lowest credit penetration Credit Market expected to grow strongly Under penetration in India's Consumer Lending Outstanding loan balance as a % of nominal GDP (CY2020) Fast-growing unsecured consumer credit market Loan disbursals' (Lac Crs) 18.2% India Source: Frost & Sullivan Analysis 79.2% 55.6% S US China 5.1 FY21 14% CAGR2 8.2 FY25P 16.6 FY30P 1 Unsecured Loan Disbursals for FY21 as per CRIF Highmark 'How India lends' report 2 CAGR as per management estimates 23

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