Investor Presentaiton

Income and Yields continue to trend higher NII up 102%, Yield at 24%, PAT 119 Cr (-220 Cr in Q1 FY23) Total Income* (* Cr) Net Interest Income* (* Cr) 259 YOY QoQ +104% -1% 527 533 Q1 FY23 Q1 FY24 Q4 FY23 162 YOY +102% QoQ -15% 384 328 Q1 Q1 FY23 FY24 Q4 FY23 Yield (%) YOY +765 bps QoQ +120 bps Cost of Borrowing* (%) YoY +71 bps QoQ +9 bps 24.0% 22.8% 12.5% 11.8% 16.4% Q1 FY23 Q1 FY24 Q4 FY23 *Includes Net gain on fair value change of 3 Cr toward DA transaction undertaken in Q1FY24 & 44 Cr in Q4FY23 *7 Cr income on ARC transaction recognized in Q4FY23 as per IndAS. Including this, Q4 Yield is 23.2% NIM^ (%) YOY +434 bps QoQ +38 bps 14.2% 13.9% 9.9% Q1 FY23 Q1 FY24 Q4 FY23 PPOP (Cr) YOY +273% QoQ -27% 261 51 189 Q1 FY23 Q1 FY24 Q4 FY23 PBT (Cr) Q1FY23 301 Cr QoQ +16% 161 139 12.4% Q1 Q1 FY23 FY24 Q4 FY23 *Cost of borrowing for Q4FY23 is 11.4% including expenses reversal of 13 Cr which were recognized upfront in previous quarter PAT (Cr) Q1FY23 QoQ 220 Cr +13% 119 106 Q1 FY23 Q1 Q4 Q1 Q1 Q4 FY24 FY23 FY23 FY24 FY23 -220 -301 ^*7 Cr income on ARC transaction recognized in Q4FY23 as per IndAS. Including this, Yield is 23.2% in Q4. Normalized Finance cost is 9.0% for Q4, excluding 13 Cr upfront expenses recognized till previous quarter. Due to above, normalized NIM is 13.9% in Q4 vs. actual 15% in Q4. Higher NIM is also due to muted leverage in Q1FY24 13

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