Sundaram Finance Limited

rs,

ility H o n e s t y H u mility Mission To deliver the “Sundaram experience” to all our customers, big and small, in keeping with the ethos of the company 4 THE SUNDARAM WAY Service To be of serv

100%

522 5,54,620 33,25,031 59,148 12,89,560 Joint Venture with Ageas Insurance International NV 100% subsidiary 100% subsidiary Group 1,22,461 1,071 12,588 52,28,359 * Includes off roll employe

Rs. 1,20,000

oup across lending, general insurance, home finance and asset management with total AUM of over Rs. 1,20,000 cr. Lending business focused on the underserved but aspiring Indian entrepreneur (road transpor

80%

contractor, small farmer, MSME owner) Legacy of deep deposit customer connect and loyalty with 80% renewal rate across offerings Technology-enabled and data-powered approach to a high-touch cust

₹40,106 Crore

HIGHLIGHTS OF FINANCIAL PERFORMANCE As of 30th September 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23

1.86%

NANCIAL PERFORMANCE As of 30th September 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% i

35.27%

PERFORMANCE As of 30th September 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23

2.95%

As of 30th September 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23 14.9% in H

16.2%

September 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23 14.9% in H1FY23 *Core

25.4%

r 2023 AUM Gross Stage 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23 14.9% in H1FY23 *Core ROE (ex

2.54%

e 3 Cost-to-income ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23 14.9% in H1FY23 *Core ROE (excluding investments in

35.68%

me ₹40,106 Crores 1.86% 35.27% ROA 2.95% ROE 16.2%* 25.4% up from Sep 22 2.54% in Sep 22 35.68% in H1FY23 2.94% in H1FY23 14.9% in H1FY23 *Core ROE (excluding investments in subsidiaries) at 1

Subsidiaries

1

Joint Control Entities

1

Subsidiaries

Sundaram Home Finance Ltd. Sundaram Finance Holdings Ltd. (Consolidated) Sundaram Asset Management Company Ltd. (Consolidated) Sundaram Fund Services Ltd. Sundaram Finance Employees Welfare Trust Sundaram Trustee Company Ltd. LGF Services Ltd.

Joint Control Entities

Royal Sundaram General Insurance Co. Ltd. Adjustment arising out of Consolidation Total 7,315 1,686 778 362 40 19 3 3 695 (1661) 9,240 8,219 1,820 935 408 42 21 3 3 790 (1,667) 10,574 H1FY23 529 98 18 34 1 1 1 - - (130) 552 H1FY24 648 117 38 48 1 1 1 - 72 (185) 741 33 SUNDARAM HOME FINANCE FY23 3,901 55.6% 44.4% 11,181 64.9% 35.1% 215.4 21.27 1,805 178.27 2.3% 1.1% 23.5% 117 1,127 57,377 Particulars Q2 FY24 Q1 FY24 Q2 FY23 H1 FY24 H1 FY23 Disbursements (₹ in Crore) Housing Non-Housing AUM (₹ in Crore) Housing Non-Housing PAT (₹ in Crore) EPS (₹) Net worth (₹ in Crore) Book Value (₹) Gross Stage 3% Net Stage 3% CAR Branches Staffs Customers 1,213 46.8% 53.2% 12,332 62.4% 37.6% 59.3 23.44 1,821 179.82 1.7% 0.8% 21.0% 132 1,363 59,148 1,094 51.3% 48.7% 11,699 63.9% 36.1% 57.4 22.68 1,863 183.95 2.0% 1.1% 22.0% 125 1,265 58,048 940 57.5% 42.5% 10,177 73.3% 26.7% 50.3 19.87 1,687 166.56 2.8% 1.6% 24.4% 105 953 56,488 2,307 48.9% 51.1% 12,332 62.4% 37.6% 116.7 23.06 1,821 179.82 1.7% 0.8% 21