Investor Presentaiton

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. Corporate Governance Structure Strong 5-tier corporate governance framework in place for effective risk management Audit Committee Financial Expertise Internal Audit Nomination and Remuneration Committee Recruitment & Remuneration Stakeholder Relationship Committee Stekeholder Grievances Board of Directors Committees Risk Management Committee Operational & Risk oversight, fraud prevention Corporate Social Responsibility Committee CSR initiatives Management Team and control Compliance Clean Track Record NO Defaults. Organizational Communication + Rick Monitoring & Reporting " Policy Implementation " • Controls & Reviews • NO Auditor qualification. • NO Re-statements of financials. • NO Allegations of financial imprudence. Implemented 3 ESOP plans. Asset & Liability Management Committee Treasury Credit Committee Credit & Analysis IT Strategy Committee IT Systems Vulnerability Assessment Grievance Redressal Committee Customer Complaints & Queries Investor Presentation - Q2 FY23 22 22 homefirst We'll take you home

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