AYE FINANCE Q2 CONCALL : 25–30% AUM GROWTH GUIDANCE, CREDIT COST RECOVERY & STRONG PROFITABILITY OUTLOOK

• FY27 AUM GROWTH GUIDANCE MAINTAINED AT 25–30% • THREE-YEAR AUM CAGR ASPIRATION AT 28–33% • FY27 CREDIT COST GUIDANCE AT 3.5–4%, WITH FURTHER IMPROVEMENT EXPECTED IN H2 • FY27 NET INTEREST MARGIN (NIM) GUIDANCE AT 14.25–14.75% • FY27 RETURN ON ASSETS (ROA) TARGETED AT 4–4.5% • FY27 OPERATING EXPENSE RATIO EXPECTED AT 8.25–8.75% • FY28 OPERATING EXPENSE RATIO EXPECTED TO IMPROVE TOWARD 8% • FY28 CREDIT COST COULD DECLINE BY ANOTHER 10–25 BPS • H2 FY27 DISBURSEMENTS EXPECTED TO ACCELERATE, SUPPORTED BY FESTIVE DEMAND & REPEAT LENDING • OVER 30 NEW BRANCHES PLANNED DURING Q3 FY27 • PAR X TARGETED BELOW 6.5% BY MARCH 2027 VS CURRENT 6.94% • GOLD LOAN BUSINESS PILOT UNDER EVALUATION FOR FY27; NO CONFIRMED LAUNCH DATE • MANAGEMENT DOES NOT EXPECT ADDITIONAL EQUITY CAPITAL REQUIREMENT FOR APPROXIMATELY TWO YEARS • LONG-TERM ROE POTENTIAL SEEN IN HIGH TEENS TO LOW 20S AS LEVERAGE INCREASES • DROUGHT-RELATED CREDIT STRESS, MORTGAGE DELINQUENCIES & INSURANCE COMMISSION REGULATIONS REMAIN KEY RISKS

AYE FINANCE LIMITED

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