L&T Finance Limited

rs,

- 400 051. BSE Limited Corporate Relations Department, 1st Floor, New Trading Ring, P. J. Towers, Dalal Street, Mumbai - 400 001. Symbol: L&TFH Security Code No.: 533519 Kind Attn: Head – Li

43%

s, read all scheme related documents carefully. 2 FY22 Recap 3 Retail book share increased from 43% to 51% Retail at all time high disbursements of Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY)

51%

all scheme related documents carefully. 2 FY22 Recap 3 Retail book share increased from 43% to 51% Retail at all time high disbursements of Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY) Lowe

7.84%

e increased from 43% to 51% Retail at all time high disbursements of Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY) Lowest ever yearly WAC at 7.50% GS3 stands at 3.80% with a PCR of 48% Transforma

89bps

d from 43% to 51% Retail at all time high disbursements of Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY) Lowest ever yearly WAC at 7.50% GS3 stands at 3.80% with a PCR of 48% Transformation Journ

7.50%

igh disbursements of Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY) Lowest ever yearly WAC at 7.50% GS3 stands at 3.80% with a PCR of 48% Transformation Journey LTFS 1.0 (2011-2016) LTFS 2.0 (201

3.80%

Rs ~25,000 Cr NIMs + Fees at 7.84% (up 89bps YoY) Lowest ever yearly WAC at 7.50% GS3 stands at 3.80% with a PCR of 48% Transformation Journey LTFS 1.0 (2011-2016) LTFS 2.0 (2016-2022) Lakshya 2026

48%

+ Fees at 7.84% (up 89bps YoY) Lowest ever yearly WAC at 7.50% GS3 stands at 3.80% with a PCR of 48% Transformation Journey LTFS 1.0 (2011-2016) LTFS 2.0 (2016-2022) Lakshya 2026 Retail NBFC (202

80%

n’ across 4 Franchise 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Agenda 6 Journey since FY16 LTFS 2.0 – Performance r

25%

oss 4 Franchise 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Agenda 6 Journey since FY16 LTFS 2.0 – Performance recap

3%

se 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Agenda 6 Journey since FY16 LTFS 2.0 – Performance recap Lakshya 2026

1%

akshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Agenda 6 Journey since FY16 LTFS 2.0 – Performance recap Lakshya 2026 LTFS – A

“Execution 2016-2022 (Retail) 26% (FY16) 51% (Mar’22) Increased Retail mix 20% CAGR* Strong Retail growth * 26% CAGR in Rural • Launched ‘Digitally native’ CL in FY20 and scaled up to ~Rs 2,300 Cr; launched pilot of SME in FY22 1.7% (FY16) 2.1% (6 yr Avg) RoA increased despite building additional prov.”

Nation-wide presence

1

Nation-wide presence

21 states & 1 UT FY16 FY22 FY16 FY22 FY16 FY22 Market Rank - 1 Market Rank - Amongst Top 5 Market Rank - 4 Growth in cross-sell and up-sell Product penetration per customer 4.1 1.7 Cross-sell products 15 4 Touch points: 13,000+ FY16 FY22 FY16 FY22 Established strong market position across businesses with granular customer base Leadership ranking source : CRISIL (as of Dec-21) 11 LTFS 2.0 - Cutting edge liability franchise Upgraded from ‘AA+’ rating to ‘AAA’ CRISIL, ICRA, CARE, India Ratings Diversified from bank borrowings to ECBs, raised granular liabilities through Retail NCDs Leveraged Priority Sector Loans (~60% of incremental long tenor bank funds since Sep-19) India’s First Green Bond in 2017 Raised 1st Sustainability linked loan in 2022 Raised funds from multilateral organisations like IFC, AIIB Lowest ever WAC in FY22 Holistic liability management through diversified borrowings resulting in high degree of safety Leveraged business strengths to deliver lowest cost 12 LTFS 2.0 -