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%

count 6,03,643 31,70,093 64,754 14,19,211 Joint Venture with Ageas Insurance International NV 100% subsidiary 100% subsidiary Group 1,51,746 1,099 12,001 52,57,701 * Includes off roll employ

Rs. 1,50,000

oup across lending, general insurance, home finance and asset management with total AUM of over Rs. 1,50,000 cr. Lending business focused on the underserved but aspiring Indian entrepreneur (road transpor

₹50,199 Crore

HIGHLIGHTS OF FINANCIAL PERFORMANCE As of 31st December 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24

1.70%

INANCIAL PERFORMANCE As of 31st December 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% i

31.37%

L PERFORMANCE As of 31st December 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24

2.49%

As of 31st December 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9

14.3%

December 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9MFY24 *Core

19.0%

r 2024 AUM Gross Stage 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9MFY24 *Core ROE (ex

1.77%

e 3 Cost-to-income ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9MFY24 *Core ROE (excluding investments in

35.12%

me ₹50,199 Crores 1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9MFY24 *Core ROE (excluding investments in subsidiaries) at 1

2.79%

1.70% 31.37% ROA 2.49% ROE 14.3%* 19.0% up from Dec 23 1.77% in Dec 23 35.12% in 9MFY24 2.79% in 9MFY24 15.5% in 9MFY24 *Core ROE (excluding investments in subsidiaries) at 17.9% vs. 17.2% 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 31-Dec-23 8,521 1,883 1,055 489 1 21 4 3 808 (1,669) 11,116 31-Dec-24 10,742 2,053 - 546 1 58 4 3 910 (1,560) 12,757 ₹ in Crore Share in Profit 9MFY24 948 9MFY25 997 179 62 74 - 1 1 - 89 (186) 1,168 173 - 107 - 2 2 - 67 (22) 1,326 * Sundaram Finance Holdings Limited ceased to be a subsidiary of the Group during the quarter ended March 2024. Consequently, the Company started recognizing this investment at fair value through other comprehensive income as per IND AS 109 from the quarter ended March 2024. Accordingly, the total comprehensive income for the nine months ended December 2024 is not comparable with that of the corresponding previous year period. 33 SUNDARAM HOME FINANCE FY24 Particulars Q3FY25 Q2FY25 Q3FY24 9MFY25 9MFY24 5,029 50.9% 49.1% 13,812 61.0% 39.0% 235.8 23.29 1,880 185.70 1.2% 0.5% 20.3% 138 1,548 61,568 Disbursements (₹ in Crore) Housing Non-Housing AUM (₹ in Crore) Housing Non-Ho