APTUS Key Growth Strategies and Historical Overview

Consistent Spreads Yields/Cost of Borrowings (%) 17.20% 17.03% 16.89% 17.00% 17.15% R APTUS 16.85% 16.85% 16.90% 17.00% 17.15% 9.80% 8.10% 8.43% 8.30% 7.74% 7.68% 7.70% 7.90% 8.10% 8.30% FY 20 FY 21 FY 22 FY 23 FY 24 (Q1) Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 NIM (%) 9.15% 9.17% 9.15% 8.90% 8.85% 9.00% 8.90% 8.85% 8.60% 7.40% FY 20 FY 21 FY 22 FY 23 FY 24 (Q1) Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 19 APTUS™

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