Investor Presentaiton

Opex Evolution equitas Rs Cr Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Employee expenses 187 194 188 205 204 Other expenses 100 78 99 131 153 Switching fee and other expenses 0.02 0.01 5 12 30 (Prepaid Card) Depreciation 22 19 19 19 19 Total Operating expenses No. of employees Opex evolution 309 292 305 355 377 16,104 15,843 15,879 16,036 16,556 6.54% 67.27% 6.02% 5.89% 5.58% 62.14% 5.81% 58.15% Λ 58.10% 56.35% Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 -Cost to Assets % -Cost to Income % Cost to income (%) Opex / Net Income [ Total Income- Finance Cost]| Cost to assets (%) - Opex/ Total Assets, ^ Income considering net-off switching fees & prepaid card expense 13

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