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: LTF Security Code No.: 533519 Kind Attn: Head – List

95%

nsolidated level by FY26 L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April

25%

ated level by FY26 L&T FINANCE RETAILISATION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April 2022.

51%

ION RETAIL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April 2022. FY22 is the year before the launch of Laksh

10%

IL GROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strate

97%

ROWTH CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy G

23%

CONSOL ASSET QUALITY FY26 >95% >25% CAGR FY22 (At launch) FY25 Q3 Q4: 51% Q4: 10% 97% 23% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3

3%

% Lakshya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.23% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.0

1%

ya was launched in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.23% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.27

4.08%

ed in April 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.23% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.27% 4 RoA trajec

1.98%

l 2022. FY22 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.23% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.27% 4 RoA trajectory over

3.23%

2 is the year before the launch of Lakshya strategy GS3 <3% NS3 <1% Q4: GS3 4.08% NS3 1.98% GS3 3.23% NS3 0.97% CONSOL ROA 2.8% - 3% Q4: 1.33% | FY: 1.04% 2.27% 4 RoA trajectory over Lakshya 202

“Third party census study completed for 2 lakh+ plantation under Project Prakruti in Pavagada, Karnataka.”

“o Over 40 years of sterling experience in engineering, project management, transformative organizational leadership and a driver of digitalization.”

Ensures the following

1

Launched KAI

1

API first Technology Infra

1

Mainly includes

1

Ensures the following

• Estimation of standard of living & repayment capacity • KYC verification • On-ground sensing Strong credit guardrails implemented over the years reflecting enhanced portfolio resilience 16 Pillar 2: Sharpening Credit Underwriting (3/11) Rural Business Finance – Stringent Portfolio Policy & Sourcing Norms B e l&T Finance Monthly customer leverage tracker L&T FINANCE + Strong Early Warning Signals + Exclusive Risk Control Unit Comprehensive customer leverage tracker Customer profiling to predict repayment • 700 member strong team with pan India dashboard deployed behaviour and propensity to default presence which acts as a strong line of defense • Dashboard collates data of customer leverage • Paying LTF’s EMI but not paying external for fraud prevention and control with LTF and other peers liabilities • Independent reporting to head of internal audit • Customers categorized basis their overall • Off-us customer profiling on monthly basis to • Scope of work involves: leverage and repay

API first Technology Infra

3x performance improvement I I I I I I I Building technology infrastructure to drive variety, volume, velocity, and veracity 26 Pillar 4: Heightened Brand Visibility ■ @ l&T Finance Ramped up brand presence 1st edition of our marquee AI event ‘R.AI.SE’ L&T FINANCE Just Zoom Two Wheeler Loans Campaign at India Bike Week, Goa Sapno Wali Diwali with AI & IBW @ Goa Initiative for users to generate AI Images as per their dreams & share as Diwali wishes - 16 mn. views on Social media RAISE event with industry leaders as speakers & panelists discussing trends in AI within BFSI space ◄ S.pno W•II Dlw•II. LAT Fl,..nce ke S..th Masterclass Session by AI professionals Product Demos Focused brand building in urban areas during Q3FY25 27 Pillar 5: Capability Building & Employee Initiatives B e l&T Finance Capacitising and upgrading infrastructure Employee engagement initiatives L&T FINANCE • Integrated Tech Operations & Data science facility setup at Mahape, Navi Mumbai • 8 strategic initiatives id

Mainly includes

14.4 SOA Downloads Repayment Schedule Payments Statutory Kits (Welcome, NOC etc) Credit Score 7.5 5.8 1.6 0.3 4.8 18.6 21.5 26.0 41.4 85.8 90.4 101.1 126.6 9.3 6.0 2.7 0.9 6.1 8.9 6.0 3.2 2.6 5.5 9.4 7.6 4.0 4.3 6.4 10.9 6.6 5.0 8.5 5.8 9.5 6.6 5.3 64.4 3.8 9.2 6.9 6.3 74.2 3.8 11.0 8.0 7.1 75.0 1.6 Servicing channels (% of interactions across channels) Inverting the Servicing Pyramid 1 2 ’ R A M ► 14% 35% 51% Digital channels Call centre Branches 93% 5% 2% 11.0 10.8 5.5 97.0 1.9 D E C ’ 2 4 58 Developing digital finance delivery as a customer value proposition @ l&T Finance L&T FINANCE Digital delivery: Touching every part of the customer ecosystem NACHI NATIONAL AUTOMATED CLEARING HOUSE 100% Paperless Journey in Rural Group Loans, 2W Finance, Farm Equip. Finance, Personal Loans 100% Digital Disbursements (Rural + Urban) 95% eNach Penetration (Urban) 31% Digital Collections (Rural) 95% Digital Collections (Urban) -----, Customer focused digital first approach in not only Urban but als