Investor Presentaiton

Strong Governance Practice . • . • Top-tier Corporate Governance High Independent Directors representation in all Board Committees Highly experience Board & Management Team on Risk Management committee. Company's risk management framework is driven by its Board and its subcommittees including the Audit Committee, the Asset Liability Management Committee and the Risk Management Committee. "Risk Management Committee” meetings on matters including Operational, Risk oversight, fraud prevention and control. Corporate Governance Structure Board Level Committee Management Committee Board of Directors Audit Committee Nomination and Stakeholder Remuneration Committee Relationship Committee Corporate Social Responsibility Committee Credit Committee Grievance Redressal Committee Asset-liability Committee ESG Risk Management Committee IT Strategy Committee Compliance Function • Dedicated Chief Compliance Officer (CCO) • Nodal Officer for NHB • Focus on RBI/ NHB/SEBI compliance • Periodic Compliance Tracker Internal Audit Function • Independent function • Risk Based • Internal Audit Regular Branch Audit • Annual HO Process Audit Regulatory Capital Risk Assessed in ICAAP Stress Test Clean Track Record Risk Management Framework Credit Risk NO Defaults. NO Auditor qualification. NO Re-statements of financials. NO Allegations of financial imprudence. Implemented 3 ESOP plans. Home First Finance Company India Ltd. Investor Presentation - Q1 FY24 Market Risk • Strategic Risk • CRM Risk • Reputation Risk • HR Risk Operation Risk • Liquidity Risk • Cyber & info Risk • Credit Concentration • Interest Rate Risk • Compliance Risk • ESG Risk • Credit Risk • Liquidity Risk • Credit Concentration ⚫ Interest Rate Risk Risk Assessment • Regulatory Approach • Credit/Property Criteria • Parameter tracking Risk Control • Mitigation / Risk Limits • Deviation approval matrix Reporting • Regulatory • Internal MIS • Disclosures 23 23

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