SHRIRAMFIN Q2 2026 13:30 UTC Earnings Presentation

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#TogetherWeSoar Product-wise Provision Analysis – Sept’25 10 Particulars (Rs. mn)Commercial VehiclesPassenger VehiclesConstruction EquipmentFarm EquipmentMSMETwo WheelerGold LoanPersonal LoansTotalGross Stage 3 60,678.4 22,791.6 10,291.1 4,178.5 18,582.3 5,111.8 1,218.1 4,510.8 127,362.6 ECL provision-Stage 3 27,083.7 10,218.7 4,439.4 1,782.4 10,281.1 2,737.9 108.4 2,826.8 59,478.5 Net Stage 3 33,594.7 12,572.9 5,851.7 2,396.1 8,301.2 2,373.9 1,109.7 1,684.0 67,884.1 Gross Stage 3 (%) 4.79% 3.87% 6.77% 6.79% 4.61% 3.29% 2.28% 4.28% 4.57%Net Stage 3 (%) 2.71% 2.17% 3.97% 4.01% 2.11% 1.55% 2.08% 1.64% 2.49%Coverage Ratio (%) Stage 3 44.63% 44.84% 43.14% 42.66% 55.33% 53.56% 8.90% 62.67% 46.70%Gross Stage 2 85,745.4 38,846.5 11,187.6 4,872.8 28,588.5 10,177.6 5,181.3 8,195.1 192,794.9 ECL provision-Stage 2 6,740.3 3,113.5 820.1 668.8 3,297.0 489.9 21.8 690.4 15,841.8 Net Stage 2 79,005.1 35,733.0 10,367.5 4,204.0 25,291.5 9,687.7 5,159.5 7,504.7 176,953.1 Gross Stage 2 (%) 6.77% 6.60% 7.36% 7.92% 7.10% 6.54% 9.71% 7.77% 6.92%ECL provision (%) Stage 2 7.86% 8.01% 7.33% 13.73% 11.53% 4.81% 0.42% 8.42% 8.22%Gross Stage 1 1,120,260.6 526,809.9 130,502.8 52,462.4 355,680.3 140,224.1 46,963.8 92,769.3 2,465,673.2 ECL provision-Stage 1 32,939.8 16,338.5 3,753.8 3,218.6 18,953.8 4,557.8 197.8 6,332.4 86,292.4 Net Stage 1 1,087,320.8 510,471.4 126,749.0 49,243.8 336,726.5 135,666.3 46,766.0 86,436.9 2,379,380.8 Gross Stage 1 (%) 88.44% 89.53% 85.87% 85.29% 88.29% 90.17% 88.01% 87.95% 88.51%ECL provision (%) Stage 1 2.94% 3.10% 2.88% 6.14% 5.33% 3.25% 0.42% 6.83% 3.50%

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#TogetherWeSoar P&L Statement 24**Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25)*Restated for prior periods post share split Particulars (Rs. mn) Q2 FY26 Q1 FY26 Q2 FY25 YoY (%) QoQ (%) H1 FY26 H1 FY25 QoQ (%) FY25Interest income 118,252.0 114,631.4 100,047.7 18.20% 3.16% 232,883.4 195,257.8 19.27% 414,564.1 Interest expended 55,583.6 54,367.1 43,980.3 26.38% 2.24% 109,950.7 85,645.7 28.38% 186,213.2 Net interest income 62,668.4 60,264.3 56,067.4 11.77% 3.99% 122,932.7 109,612.1 12.15% 228,350.9 Staff cost 9,439.3 9,764.7 9,066.7 4.11% -3.33% 19,204.0 17,750.2 8.19% 36,511.6 Other Operating expenditure 9,695.1 9,342.1 8,029.5 20.74% 3.78% 19,037.2 15,090.2 26.16% 33,142.0 Operating expenditure 19,134.4 19,106.8 17,096.2 11.92% 0.14% 38,241.2 32,840.4 16.45% 69,653.6 Core operating profit 43,534.0 41,157.5 38,971.2 11.71% 5.77% 84,691.5 76,771.7 10.32% 158,697.3 Other income 899.5 766.7 894.0 0.62% 17.32% 1,666.2 1,634.9 1.91% 3,911.8 Operating profit 44,433.5 41,924.2 39,865.2 11.46% 5.99% 86,357.7 78,406.6 10.14% 162,609.1 Loan Losses & Provisions 13,333.3 12,856.9 12,349.9 7.96% 3.71% 26,190.2 24,225.4 8.11% 53,116.6 Profit before tax (excluding exceptional items)** - (A) 31,100.2 29,067.3 27,515.3 13.03% 6.99% 60,167.5 54,181.2 11.05% 109,492.5 Tax (excluding exceptional items) - (C) 8,028.4 7,510.0 6,802.7 18.02% 6.90% 15,538.4 13,662.7 13.73% 26,776.4 Profit after tax (excluding exceptional items)** 23,071.8 21,557.3 20,712.6 11.39% 7.03% 44,629.1 40,518.5 10.14% 82,716.1 Exceptional income (net of expense) - (B) - - - - - - - - 16,567.7 Tax on exceptional items - (D) - - - - - - - - 1,673.8 Exceptional income (net of expense) (net of tax) - - - - - - - - 14,893.9 Profit before tax (including exceptional items) - (A+B) 31,100.2 29,067.3 27,515.3 13.03% 6.99% 60,167.5 54,181.2 11.05% 126,060.2 Tax (including exceptional items) - (C + D) 8,028.4 7,510.0 6,802.7 18.02% 6.90% 15,538.4 13,662.7 13.73% 28,450.2 Profit after tax (including exceptional items) - (A+B-C-D) 23,071.8 21,557.3 20,712.6 11.39% 7.03% 44,629.1 40,518.5 10.14% 97,610.0 Other comprehensive Income (Net) 1,842.1 377.6 671.2 174.45% 387.84% 2,219.7 750.8 195.64% (1,931.3) Total Comprehensive Income 24,913.9 21,934.9 21,383.8 16.51% 13.58% 46,848.8 41,269.3 13.52% 95,678.7 EPS (including exceptional items) (in Rs.)* 12.27 11.46 11.02 11.34% 7.07% 23.73 21.56 10.06% 51.92 EPS (excluding exceptional items) (in Rs.)* 12.27 11.46 11.02 11.34% 7.07% 23.73 21.56 10.06% 44.00

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#TogetherWeSoar About Us 40 About Shriram Finance Ltd.Shriram Finance Limited is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance,General Insurance, Housing Finance, Stock Broking and Distribution businesses. Shriram Finance Limited is one of India’s largest retail assetfinancing Non-Banking Finance Company (NBFC) with Assets under Management (AUM) above Rs 2.8 trillion. Recently Shriram City UnionFinance Limited and Shriram Capital Limited merged with Shriram Transport Finance Company Limited and was subsequently renamed asShriram Finance Limited. Established in 1979, Shriram Finance is holistic finance provider catering to the needs of Small Road TransportOperators and small business owners and is a leader in organised financing of pre-owned commercial vehicles and two wheelers. It hasvertically integrated business model and offers financing number of products which include passenger commercial vehicles, loans to micro andsmall and medium enterprises (MSMEs), tractors, gold, personal loans and working capital loans etc. Over last 46 years, it has developedstrong competencies in the areas of Loan origination, valuation of pre-owned commercial vehicles and other assets, and collections. It has a panindia presence with network of 3,225 branches and an employee strength of 78,833 servicing over 9.66 million customers.Forward Looking StatementCertain statements in this document with words or phrases such as “will”, “should”, etc., and similar expressions or variation of theseexpressions or those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggestedby the forward looking statements due to a number of risks or uncertainties associated with the expectations. These risks and uncertaintiesinclude, but are not limited to, our ability to successfully implement our strategy and changes in government policies. The company may, fromtime to time, make additional written and oral forward looking statements, including statements contained in the company’s filings with the stockexchanges and our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made fromtime to time by or on behalf of the company.

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