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Investor Presentaiton

Indiabulls Stable Asset Quality & High Provision Levels HOUSING FINANCE Q2 FY22 Q1 FY22 Q4 FY21 Q3 FY21 Q2 FY21 Gross NPA Gross NPA % 2,074 2,268 2,147 2,113 2,012 2.69% 2.86% 2.66% 2.44% 2.21% Net NPA 1,179 1,227 1,285 1,267 1,487 Net NPA % 1.53% 1.55% 1.59% 1.46% 1.63% Stage 3 Provisions/ Gross NPA 43% 46% 40% 40% 26% Total Provisions/ Gross NPA 152% 159% 115% 114% 107% Amounts in Cr Total provisions at 3,153 Cr [4.9% of loan book], which is 4.0x times of the regulatory requirement and 152% of Gross NPAs. High provision cushion places the portfolio in a strong position to negotiate any macroeconomic uncertainties Net NPAs are down to 1,179 Cr in Q2FY22 from 1,487 Cr in Q2FY21 Total loans restructured under the RBI's Resolution Framework [OTR 1.0 & 2.0], amounted to only 0.15% of the loan book Total loans disbursed as at September 30, 2021 under the Emergency Credit Line Guarantee Scheme [ECLGS] stood at 176 Cr, amounting to only 0.27% of the loan book Average vintage of the retail loan book is now ~4 years - as loans have run down, borrower equity in the financed property has significantly increased leading to low current LTVs. Asset quality levels have hence stabilised for the portfolio Real estate sector is in strong upward trajectory thereby providing high impetus to the Company's borrowers in their businesses. Record all time high registrations in real estate in most cities Collection efficiency has normalized to pre-COVID levels NPA: Non-Performing assets 9
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