Q3 FY 23 Investor Presentation

Consistent Spreads 18 Yields/Cost of Borrowings (%) 17.30% 17.20% 17.03% 16.90% 16.89% 16.89% 16.89% 16.85% 16.90% 9.80% 9.80% 8.43% 7.74% 7.90% 8.00% 7.90% 7.74% 7.70% FY 19 FY 20 FY 21 FY 22 9M FY 23 NIM (%) 9.15% 9.00% 8.60% 7.40% FY 20 FY 21 FY 22 9M FY 23 Q3 FY 23 Investor Presentation DEC 21 MAR 22 SEP 22 DEC 22 8.89% 9.15% 9.15% 9.00% Dec 2021 Mar 2022 Sep 2022 Dec 2022 APTUS™

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