Investor Presentation - Q1 FY23

Expansion in Spreads Portfolio Yield COB Spread Last 4 Years Net Interest Spread Movement Last 5 Quarters 12.9% 13.0% 12.8% 12.7% 12.8% 12.8% 12.8% 12.7% 12.3% 8.8% 8.4% 8.0% 7.2% 7.2% 7.1% 7.2% 7.2% 6.9% FY19 FY20 FY21 FY22 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 5.6% 5.8% 5.0% 5.6% 5.6% 5.6% 4.1% 5.5% 3.9% FY19 FY20 Investor Presentation - Q1 FY23 FY21 FY22 Q1FY22 26 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Sustained Cost of Borrowing Incremental yield for Q1FY23 stood at 13.2% Marginal COB for Q1FY23 stood at 7.7% homefirst We'll take you home

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