Investor Presentation - Q4 FY22

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. Clean Track Record Corporate Governance Structure Strong 5-tier corporate governance framework in place for effective risk management Audit Committee Financial Expertise Nomination and Remuneration Committee Recruitment & Remuneration Internal Audit Stakeholder Relationship Committee Stakeholder Grievances Board of Directors Committees Risk Management Committee Operational & Risk oversight, fraud prevention end control Corporate Social Responsibility Committee CSR initiatives Management Team Compliance • NO Defaults. . NO Auditor qualification. NO Re-statements of financials. NO Allegations of financial imprudence. • Implemented 3 ESOP plans. Asset & Liability Management Committee Treasury " ■ Policy Implementation " - Controls & Reviews Credit Committee Credit & Analysis Organizational Communication + Rick Monitoring & Reporting IT Strategy Committee IT Systems Vulnerability Assessment Grievance Redressal Committee Customer Complaints & Queries Investor Presentation - Q4 FY22 22 22 homefirst We'll take you home

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