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Investor Presentaiton

Consistent Financial Performance over the years¹ FIVE STAR Business Finance Limited Particulars (Mn) FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 Operational Information Number of branches 39 64 103 130 173 252 262 299 Loan disbursals 793 1,319 3,830 7,072 14,822 24,087 12,450 17,562 AUM 1,315 1,981 4,834 10,084 21,128 38,922 44,454 50,671 Number of employees 167 293 691 1,290 1,971 3,734 3,938 5,675 Financial Information Income from Operations 336 473 859 2,082 4,089 7,873 10,513 12,562 Interest expenses 104 141 237 578 769 2,156 3,261 2,984 Net Interest Income (NII) 232 332 622 1,504 3,320 5,717 7,252 9,578 Operating Expenses 76 122 286 625 1,060 1,731 2,136 3,081 Loan losses & Provisions 4 7 28 93 76 493 352 455 Profit Before Tax (PBT) 152 203 308 786 2,184 3,493 4,764 6,042 Profit After Tax (PAT) 99 134 194 558 1,567 2,620 3,589 4,535 Total Comprehensive Income 99 134 194 558 1,563 2,608 3,582 4,513 Ratios Cost to Income 34.48% 38.86% 50.48% 47.74% 34.22% 38.90% 34.31% 36.92% Return on Total Assets 7.04% 6.87% 4.22% 5.82% 8.78% 7.31% 6.99% 7.16% Return on Equity 16.65% 16.47% 12.26% 12.97% 15.14% 15.36% 16.85% 13.85% Gross Stage 3 assets / Gross NPA² 1.81% 1.82% 2.47% 1.43% 0.89% 1.37% 1.02% 1.05% Net Stage 3 assets / Net NPA³ 1.48% 1.52% 2.07% 0.94% 0.68% 1.13% 0.83% 0.68% Provision Coverage Ratio - overall AUM 0.57% 0.54% 0.81% 0.97% 0.80% 1.58% 1.95% 2.03% Provision Coverage Ratio - Stage 3 18.40% 16.34% 16.24% 33.89% 22.99% 17.67% 17.92% 34.91% CRAR Debt/Equity ratio 52.17% 1.24 39.14% 43.78% 58.82% 64.09% 52.94% 58.86% 75.20% 1.43 2.04 0.92 0.70 1.22 1.48 0.69 Notes: 1. Financials from FY2019 are as per Ind-AS and earlier years as per I-GAAP; 2. Gross Stage 3 Assets / Gross NPA represents loans which are more than 180 days past due till FY2016 and loans which are more than 90 days past due thereafter, as a percentage of the overall loan portfolio; 3. Net Stage 3 Assets / Net NPA denotes Gross Stage 3 assets / Gross NPA reduced by impairment allowance on such loans, represented as a percentage 13
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