Investor Presentaiton

Key Financial Metrics & Ratios - SHFL Yield on Assets Interest Expenses SHRIRAM City MONEY WHEN YOU NEED IT MOST NIM 16.7% 15.8% 18.6% 3.5% 16.7% 2.9% 14.4% 1.4% 8.3% 8.2% 9.8% 10.3% 6.9% 7.0% 7.4% 8.8% 8.5% 7.1%* 16.7% 15.8% 15.1% 13.8% 13.0% Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Operating Income Gain on assignment Total Income Operating Expenses 6.1% 5.7% 5.7% 4.4% 3.9% 0.4% 0.7% Mar-18 Mar-19 Mar-20 3.5% Mar-21 Mar-22 Credit Cost 1.4% 1.3% 0.8% 0.3% Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 * Excl. one time Impact of assignment income methodology change, NIM for FY'22 would be higher by 0.4%. NIM's will stabilize 7.5% Steady state Return On Assets 2.3% 0.9% 2.4% 2.5% 2.1% Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Investment in Griha Poorti ~14 Cr in FY'22 ■ FY'22 includes 30 Cr adverse impact on OPEX related to investments in Griha Poorti of ~14 Cr and one time negative impact on Revenue and NIMS of 16 Cr on account of methodology change for recognizing Gain on Assignment income Expect FY'23 to see benefits on increased distribution network and rationalized income recognition policy Note: All numbers are calculated as % of Avg. Loan book 31 SHRIRAM HOUSING FINANCE

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