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Investor Presentaiton

Contents 1. Business Update 2. Performance Metrics 3. Strong Foundation for Retail Asset-Light Model: Strong Partnerships, Indiabulls HOUSING FINANCE Pg. No. 03 04 Low Costs & Tech-enabled Distribution 05 4. Stable Asset Quality & High Provision Levels 06 5. Granular Asset Liability Maturity Management: Liquidity-led Fortress Balance Sheet 07 6. Access to Funding 08 7. OakNorth Bank Investment: Annualised IRR of 48% in Six Years 09 8. Scalable Retail-focused Asset-Light Business Model 10 9. eHome Loans: Indiabulls Integrated Home Loan Technology Platform 11 10. For Tier III & IV Locations: Phygital Channel Strategy 12 11. Environmental, Social and Governance [ESG] 13 12. Effective Oversight: Independent Chairman, Strong Board, Audit Committee 13. Appendix 15 16 2
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