Investor Presentaiton

Operating Expenses: Opex Ratios Flat Sequentially Operating Expenses (INR Mn) ■Employee Cost Other Opex Operating Expenses Composition (%) ■Employee Cost ■Other Opex 24% 33% 29% 31% 31% 595 516 372 213 76% 281 1,322 67% 71% 69% 69% 1,139 920 570 680 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Cost-Income (%) 60.4% 51.1% 43.1% 69.5% 68.1% Adjusted for the Gold Q4FY22 Q1 FY23 Q2FY23 Q3FY23 Q4FY23 Loan Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Cost/AAUM (%) (annualized) 8.1% 8.1% 7.0% Cost/AAUM calculated vertical 5.5% considering opex, the 5.2% 6.7% 6.7% C/I ratio was 5.9% new car loan ~48% in FY23 4.9% 4.6% origination volume for the quarter Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Cost-AUM Cost-AUM incl. NCLO CAPRIGLOBAL 18

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