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35 RoA Tree (based on Avg Loan Book) Particulars Revenue from Operations. Other Income Total Revenue Interest Expenses (%) FY 24 9M FY 23 9M 17.78% 17.91% 0.62% 0.60% 18.40% 18.51% (5.03%) (4.60%) NIM 13.37% 13.91% ECL Provisions / Write-Off's (0.29%) (0.61%) Operating Expenses (2.67%) (2.75%) Profit Before Tax - RoA Profit After Tax - RoA 10.41% 10.54% 8.06% 8.53% Profit After Tax - RoE # 17.10% 16.02% * Ratio on Avg Loan Book # Ratio on Avg Networth APTUS R

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