APTUS Key Growth Strategies and Historical Overview

Strong ESG Focus 17 R APTUS Focus on financial inclusion Improving Living Standards Strong Corporate Governance 78% LIG 71% Self-employed 38% New to Credit Employment in rural / semi-urban areas Support to borrowers in tier 2/3/4 locations leading to financial inclusion NIL Material Civil litigation Diversified Experience of Board Members across academic and professional domains Business Responsibility & Sustainability Report -published as part of Integrated Annual report for the FY23 Corporate Social Responsibility -focusing on improving education, health and livelihood APTUS™

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