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Aptus Value Housing Finance India Limited Investor Presentation | Q2/H1 FY26 1
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Safe Harbor This presentation and the accompanying slides (the “Presentation”) which have been prepared by Aptus Value Housing Finance India Limited (the “Company”) have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, the Presentation is expressly excluded. This presentation contains certain forward-looking statements concerning the Company’s future business prospects and business profitability, which are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, our ability to manage our international operations, government policies and action regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of these forward-looking statement become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. 2
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Business Snapshot: H1 FY26 AUM Customers Distribution Asset Quality GNPA Net-Worth Capital PPoP Profitability Employees NNPA CRAR* PAT Branches PCR# CoB RoA * Standalone basis | # On Gross Stage III Loans | ^ Computed on the combined basis of Stage I, Stage II, and Stage III assets. | >1 Yr Branches ECL^ Credit Rating RoE Disbursement Yield Spread YoY 22% 18% 30 bps 16% 30% 8% 22% 23 bps -105 bps 26% -7 bps 30 - -18 bps 11 bps 11 bps 45 - 168 bps ₹ 11,767 Cr 1.72 L 1.55% ₹ 4,657 Cr ₹ 608 Cr ₹ 1,738 Cr 3,717 1.17% 69.2% ₹ 446 Cr 17.3% 321 25.0% 8.5% 7.9% 8.8% 289 1.03% AA (CARE) Stable / AA (ICRA) Stable 20.0% 3