Business Trends and Strategic Changes

Spectacular 4th Quarter Performance (Rs. crore) 1,622 Disbursement 2,546 +57% Q4FY22 Q4FY23 Opex to Avg AUM 7.0% - 90 bps 6.1% 60 60 PAT 94 +59% RoA RoE Q4FY22 Q4FY23 15.5% ROA & ROE 20.3% 4.9% 3.3% Q4FY22 Q4FY23 Cost to Income - 1583 bps 60.8% 45.0% Q4FY22 Q4FY23 Q4FY22 Q4FY23 Capitalizing on emerging opportunities leading to impressive performance SAT ATIN 5

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