Investor Presentation - Q2/H1 FY22

Financial Services Segment (Amount in bn) Q2 Q2 H1 H1 % Var Rs Bn % Var FY21 FY22 FY21 FY22 33.4 29.8 -11% Income from Operations 66.3 60.4 -9% 2.7 2.2 -15% Reported PAT 4.1 4.0 -3% 1.7 1.4 -16% PAT (Net of NCI) accruing to the group 2.6 2.5 -4% Mutual Fund Average AUM 630.6 782.7 24% Book 988.2 869.4 -12% Gross Stage 3 Assets 5.24% 5.74% Net Stage 3 Assets 1.71% 2.81% Net worth 151.6 192.1 27% Q2 revolved around pick up in retail disbursements, strong collections, improved NIMs & Fees and maintenance of adequate liquidity on Balance Sheet The business continues to pursue the strategy of higher "retaili-sation" of its loan book, diversification of liabilities, maintaining prudent ALM and targeting sustainable NIMS . Sufficient growth capital available EPC PROJECTS | HI-TECH MANUFACTURING | SERVICES → LARSEN & TOUBRO 36

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