2018 Return on Equity (ROE) 0% 19% 7% 17% Return on Assets (ROA) 0% 9% 3% 8% Return on Fixed Assets (ROFA) 16% 37% 21% 33% Debt/Equity Ratio 1.59 1.45 1.59 1.45 Net Debt/Equity Ratio 1.25 1.11 1.25 1.11

MI) 2 (%) 19.6% 18.2% Average collection period7 (days) 72 63 Return on equity3 (%) 8.5% 18.0% Payable days (days) 138 64 Efficiency Ratios Leverage Ratios Return on assets4 (%) 8.2% 16.4% Liability to

105.85 14.58 13.78% Q1 2018 Q1 2017 FY 2018 FY 2017 Return on Equity (ROE) 14.23% 16.92% 14.23% 16.92% Return on Assets (ROA) 7.03% 10.28% 7.03% 10.28% Return on Fixed Assets (ROFA) 29.09% 36.06% 29.09

period 63.72 113.16 -49.44 -44% Q2 2018 Q2 2017 FY 2018 FY 2017 Return on Equity (ROE) 17% 16% 16% 16% Return on Assets (ROA) 8% 10% 7% 10% Return on Fixed Assets (ROFA) 35% 33% 32% 34% Debt/Equity Ratio

Perlaki Mr. Krishnan Subramanian Aylur Authorized Director Authorized Director Q3 2018 Q3 2017 FY 2018 FY 2017 Return on Equity (ROE) 9% 7% 14% 14% Return on Assets (ROA) 5% 4% 7% 8% Return on Fixed Assets

1.1 Net profit (from operation) (%) 14.4% 5.6% Account receivable turnover (times) 3.2 3.7 Net profit (after MI) 2 (%) 11.5% 4.7% Average collection period7 (days) 114 98 Return on equity3 (%) 13.4% 7.3

from year 2 to year 10 and submit a letter of bank guarantee for the remaining amount within 15 days after each anniversary date of license granted The office of the NBTC will return the letter of bank

period7 (days) 94 108 Return on equity3 (%) 10.5% -6.7% Payable days (days) 143 152 Efficiency Ratios Efficiency Ratios Return on assets4 (%) 9.1% -6.1% Liability to Equity (times) 1.1 1.2 Return on fixed

2019 FY 2020 FY 2019 Return on Equity (ROE) 1.48% 0.01% 8.65% 6.51% Return on Assets (ROA) 0.44% 0.00% 2.55% 2.59% Return on Fixed Assets (ROFA) 17.46% 16.31% 21.36% 21.00% Debt/Equity Ratio 3.03 1.59

Million. Significant Financial Ratios* Description Unit 3rd Quarter 2020 2019 Net Profit Margin ratio (NPM) % 21.61 21.60 Return on Equity ratio (ROE) % 5.13 8.24 Return on Total Assets ratio (ROA) % 1.94