#1SMFG India Credit Pragati Ki Nayi Pehchaan Corporate Presentation - 9M FY23-24#2SMFG India Credit Pragati Ki Nayi Pehchaan 01. Company Background 02. Business Overview 03. Consolidated & Standalone Financials 04. Board of Directors and Management Team 05. CSR and Accolades Contents 2#3SMFG India Credit Pragati Ki Nayi Pehchaan Company Background#4SMFG India Credit Pragati Ki Nayi Pehchaan NBFC focused on retail consumers & small businesses NBFC registered with RBI operating in India for 15+ years; having a wholly owned housing finance subsidiary since 2016 Promoted by Sumitomo Mitsui Financial Group (SMFG), Japan and Fullerton Financial Holdings (FFH), Singapore; investors focused on "operating" financial services in emerging markets Focus on mass market borrowers traversing the under-served, aspiring lower class and middle class segments Specific business models designed to serve rural & urban retail consumer, small business finance and affordable home loan seekers Diverse products designed to fulfil needs of a wide spectrum of customer segments spread across geographies; special focus on Tier 2 and below Multi-channel distribution network providing direct high-touch, partner assisted and self-serve options Operations underpinned by robust governance, independent risk and internal audit function, advanced analytics and underwriting capability#5SMFG India Credit Pragati Ki Nayi Pehchaan 2003-04 Fullerton Financial Holdings (FFH), Singapore incorporated as a wholly-owned subsidiary of Temasek Holding (P) Ltd 2005-06 Fullerton India Credit Company (FICC) was acquired by FFH in Dec 2005 2006-08 Commercial Launch of NBFC operations | Pan-India presence established 2010-11 Product diversification | Secured products re-launched | Operational breakeven 2012-13 Capital infused for growth INR 1.5bn | Rural network established | Funding diversified Corporate Evolution Shareholders Profile TEMASEK 100% SUMITOMO MITSUI FINANCIAL GROUP (SMFG) Fullerton Financial Holdings (FFH Group) 74.9% 25.1% 2015-17 Capital Infused for growth INR 3.5bn | Home loan business launched AUM 2018-20 Digital Business launched | Distribution points exceeded 600+ | crossed INR 100bn in Oct 15 AUM crossed INR 200bn in Jul 18 2021-22 SMFG, Japan acquires 74.9% stake from FFH in Nov 21 2022-23 Highest ever quarterly disbursal in Q4 FY23 | AUM crossed INR 350bn in Jan 23 2023-24 Name changed to reflect SMFG's parentage | AUM crossed INR 400bn in Oct 23 SMFG India Credit Pragati Ki Nayi Pehchaan (SMICC) 100% SMFG Grihashakti Nayi Asha. Naya Vishwas. (SMHFC) Note: SMICC = SMFG India Credit Company Limited (Formerly Fullerton India Credit Company Limited); SMHFC = SMFG India Home Finance Company Limited (Formerly Fullerton India Home Finance Company Limited) 5#6SMFG India Credit Pragati Ki Nayi Pehchaan Momentum INR bn Consolidated Snapshot - 9M FY23-24 ☑ Scale INR bn Average monthly business writing 56.5 Net worth INR bn 425 Asset Under '000 147 Management Average monthly accounts opened Reach 915 Distribution Points 32 600 Towns '000 65+ Villages covered Mn 3.7 Customers '000 20.8 Employees Consistently strong credit rating by top rating agencies: AAA 60#7SMFG India Credit Pragati Ki Nayi Pehchaan Business Overview#81 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Unique Business Model in Retail Finance Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 8#91 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Unique Business Model in Retail Finance Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 6#10SMFG India Credit Pragati Ki Nayi Pehchaan Legacy 400 Years World Rank (1) 15th Largest Total Assets US$2.0 Trillion Net Profit Number of Employees US$6.0 Billion 105,955 Common Equity Tier1 capital ratio Credit Rating 14.0% A1/A-/A- Moody's/S&P / Fitch SMFG (Parent) at a Glance Diversified Global Financial Services Organisation Source: Company Investor Presentation Note: Metrics as of March 31, 2023. FX: US$1 = JPY133.54. (1) S&P Capital IQ, Banking Asset Ranking 10 10#11SMFG India Credit Pragati Ki Nayi Pehchaan Close and Continuous Engagement with Parent Strategic and operational guidance, in addition to oversight Strong oversight and Risk Governance by Board & Independent Directors Risk Oversight Committee Audit Committee Oversees credit, market, operational and others risk Reviews risk appetite and credit policies Monitors portfolio performance and approves mitigation actions Reviews the financial statements and financial reporting process Reviews scope, findings, reports, etc. of Internal and external audit Oversees Internal controls framework Nomination & Remuneration CSR Committee IT Strategy Committee Committee Oversees overall Human Capital mission and strategy. Oversees key appointments and compensation matters Reviews structure and composition of the Board and recommends for changes Recommends CSR policy, budgets, projects, etc. Oversees IT governance, Monitors implementation of the CSR activities strategies, policies, spends, etc. Reviewing cyber security matters Stakeholders Relationship Review of Investor relations especially investor grievances Review Committee of NCB To approve the recommendations made on classifying and declassifying Non cooperative Borrowers (NCBs) 11#121 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Unique Business Model in Retail Finance Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels. Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 12#13SMFG India Credit Pragati Ki Nayi Pehchaan Ladakh Jammu and Kashmir (1) Himachal Pradesh (5) Punjab (16) Chandigarttarakhand Rajasthan (85) (2) كم Haryana (34) Delhi(7) (13) Uttar Pradesh (48) Arunachal Pradesh Sikkim Assam (5) Nagaland Bihar (47) Meghalaya Manipur Jharkhand (4) Gujarat (70) Madhya Pradesh (77) West Bengal (46) Tripura Mizoram Chhattisgarh (35) Odisha (39) Maharashtra (92) Telangana (27) Urban Rural + HFC Lakshadweep Goa (1) Karnataka (87) Andhra Pradesh Urban + Rural (61) Tamil Nadu (110) Kerala (3) Urban Andaman and Nicobar Island. Strong Pan-India distribution network 900+ distribution points covering 25 states Geographically diversified Tier Coverage 2% 23% North 15% East 30% 915 South West 32% 28% 29% 24% 17% Metro Tier 1 Tier 2 Tier 3 Tier 4+ Tier definition based on population: Metro ->1,000k+; Tier 1-100k < 1,000k; Tier 2 - 50k< 100k; Tier 3 - 20k < 50k; Tier 4+ -< 20k 13#14SMFG India Credit Pragati Ki Nayi Pehchaan Source : BCG Customer Segment & Annual Household Income No. of Households Our Market Positioning Focus on underserved segment Serviced by Affluent > INR 1,100k 36 mn (12%) Foreign & Private Banks Middle Income 59 mn (21%) INR 500k 1,100k - Lower Income INR 150k-500k Economically Weaker < INR 150k 130 mn (45%) 64 mn (22%) SMICC targets underserved segment not covered by large banks and MFIS ~13mn loans disbursed since inception; provides large cross sell/upsell opportunity SMFG India Microfinance 14#15SMFG India Credit Pragati Ki Nayi Pehchaan Geographically diversified (AUM)... West, 27% North, 33% East, 6% South, 34% A Well-diversified asset portfolio Diversified products, customer and geographic segments ...Diversified product suite Others, 3% Group Loans, 8% Commercial Vehicle, 3% Loans against Property, 29% Personal Loans - Salaried, 30% Business Loans, Housing Loans, 11% 16% Digital lending comprises 18% of the portfolio 15#16SMFG India Credit Pragati Ki Nayi Pehchaan Strategically poised for growth Delivery models customized by segment Direct to customer, supported by large partner network Comprehensive offering Resilient resources & Wide distribution network through customer life cycle governance framework Create customer delight with focus on ease and speed SMFG Loans Jeene Ka Naya Andaaz Urban Business Neighborhood financer generating income and partnering growth Serving the underserved largely in under penetrated geographies SMFG Loans Jeene Ka Naya Andaaz Digital Business Enabling people to achieve their dream of owning a home Catering to the housing finance needs across India Catering to consumer, retail businesses and MSME/SME across customer value chain Rural Business SMFG Gramshakti Nayi Umang. Nayi Raahen. Direct to customer, faster and convenient Addressing digital native customer segments directly and through partnership led model HFC Business SMFG Grihashakti Nayi Asha. Naya Vishwas. 16#17SMFG India Credit Pragati Ki Nayi Pehchaan SMFG Loans Jeene Ka Naya Andaaz Portfolio Distribution Commercial Others, 3% Vehicle, 7% Loans against Property, 33% Urban Business Wide network, resilient business model addressing Individuals and Small business Personal Loans - Salaried, 29% Wide-spread network 216 distribution points across 25 states; leveraging existing cross business infrastructure Retail focus Largely present in tier 2 downwards, focus on low ticket and ability to upsell/ cross-sell Distribution channels Tapping all customer distribution points - direct, channel based, lead based channels and alternate channels Business Loans, 28% Digital focus Digitizing each step of customer loan life cycle to process efficiencies' Broad customer segment Serving wide variety of customers across consumer, retail business and SME/MSMEs for all kinds of personal and business end use Product suite Customized offering across value chain with clearly defined product strategies and geographical presence inclusive of insurance 17#18SMFG India Credit Pragati Ki Nayi Pehchaan SMFG Gramshakti Nayi Umang. Nayi Raahen. 'SMFG Gramshakti' Rural Business Multiproduct proposition across customer lifecycle • Livelihood Loans Comprehensive product suite with insurance throughout the life cycle of customers • Business Loans Two Wheeler Loans Loan against Property Woman's Hand mnemonic Symbolizing elements of rural business operations Empowering women small scale entrepreneurs Close proximity & deep understanding of the customers • Sell & collect • Offered to Women's Livelihood group Last mile doorstep service Widely spread network with 550 distribution points in 15 states Livelihood • Offered to Small enterprises or rural self employed Available in different ticket sizes • Diverse end use ranging from capital expenses, local transportation or working capital needs Life & Health Insurance • High ticket size loans • Offered to small • and medium scale enterprise End use may vary from Capital expenses to working capital needs Micro Enterprise Aspirations 18#19SMFG India Credit Pragati Ki Nayi Pehchaan SMFG Loans Jeene Ka Naya Andaaz Digital Business Partnerships and digital ecosystem driven model Direct to customer Online acquisition (PL) through website & mobile app Leveraging customer franchise through X-sell Portfolio management supported by our physical network E-aggregators Tapping the digital presence of our existing and new age channels Pre-Qualified, filtered, analytically enabled, automated underwriting & disbursal B2C / B2B2C Catering to financial needs of end consumer Partnership model, usage of traditional as well as alternate data and assessment tools Wide product suite - term loans, line of credit B2B/B2B2B Catering to financial needs of MSMEs Partnership model, usage of traditional as well as alternate data and assessment tools Wide product suite - term loans, line of credit Ed-tech Focused approach on blooming ed-tech financing Partnership model K12 to professional courses covered Lean-pod operations (centralized) Minimal team structure Seamless, 24X7, "Do it yourself" journey for greater customer experience Faster onboarding, Instant payouts for lead generators Customized product offerings across value chain of consumer Customized products to meet business and working capital needs Complete digital stack • Plug and Play model with integrated Business rule engines B2B - Business to Business, B2B2C- Business to Business to Consumer, B2B2B- Business to Business to Business No guarantors 19#20SMFG India Credit Pragati Ki Nayi Pehchaan Housing Finance Business Offering housing finance to affordable segment Established niche in self-employed segment Leverage parent's understanding of credit and distribution in underserved markets, product programs customized for SENP Strong footprint in Tier 3/4 towns Geographically diversified, sizeable play basis network of 149 distribution points and ~1000 active channel partners Experienced Management Team Industry veterans form part of Board and Senior Leadership team Diversified Portfolio Distribution *Home Loans: 58%, Loan Against Property: 34% & Developer Finance : 8% *Figures as on Dec 23 999 Eo Expertise in handling new-to-credit/ borrowers from informal segment Region specific specialty teams on board - underwriting, collateral management, valuation policy. Sturdy portfolio across market cycles - demonetization, RERA, GST, liquidity crisis SMFG Grihashakti ☑ Nayi Asha. Naya Vishwas. Strong Risk Governance Framework Multilayer controls with agile framework; Robust Credit risk framework as first line of defense. Digitized processes and Early warning indicators in place Comfortable Liquidity Position Diversified lender base, low reliance on short term funding, well-managed ALM 20#211 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Unique Business Model in Retail Finance Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 21#22SMFG India Credit Pragati Ki Nayi Pehchaan Liability management AAA rated by top credit rating agencies; Diversified borrowing mix CRISIL AAA CARE Ratings AAA CR AAA India Ratings & Research Professional Risk Opinion A Fitch Group Company An S&P Global Company Diversification across instruments... Funding mix (%) NCD, 20% NHB Refinance, 1% Assignment and Securitisation, 7% PDI / Sub-debt, 5% Offshore, 10% CP, 1% Bank Loan, 56% ... and Investors Sourcing mix (%) Mutual Fund, 7% NHB, 1% DFI, 5% Insurance/Pension / Trust, 7% Foreign Investor, 11% Corporates, 1% Banks, 68% AAA Diversified Matched asset-liability tenor Adequate liquidity buffer (instruments, lenders and geography) 22#23SMFG India Credit Pragati Ki Nayi Pehchaan ROC/ Board Oversight External Auditors 1st line of defense Operational and Business. Units 2nd line of defense Operational Risk Management, Fraud Risk Management, Internal Control Unit, Information Security and Compliance ORM framework components Risk Governance framework • Enterprise level Risk Framework Agile framework, multilayer controls Regulators 3rd line of defense Independent Review by Internal Audit Implementation/ execution Regular Operational Risk Management Committee (ORMC) meetings to review operational risk issues Regular Risk Oversight Committee (ROC) meetings to assess operational risk profile Robust Operational Risk policies and standards Policy/Procedures Risk Identification • Internal Financial Controls (IFC) standards as mandated by Companies Act • • Regular process walkthroughs and reviews Comprehensive Risk library Periodic Risk Assessments • Risk Assessment & Measurement • Loss Data management Control & Mitigation • Monitoring & Reporting • Periodic control assessment Timely corrective actions Key Risk Indicators monitoring across 200+ parameters Regular reporting to ORMC and ROC 23#24SMFG India Credit Pragati Ki Nayi Pehchaan • Board approved Risk Appetite framework for risk calibrated growth • Well defined product boundaries • • • 1 Credit Risk Management Framework Robust Underwriting, Monitoring and Collection processes Usage of 10+ years of customer data Risk Policy Risk Analytics for evolution of scorecards and Early Warning System (EWS) models Champion-Challenger approach for healthy portfolio growth Clear structure of collections, legal and recoveries • In-house & agency led models • Propensity models for recovery • • Digitized processes through BOT/IVR calling, online payments, mobile app Early warning decision trees 4 2 • Multiple scorecards across customer loan life cycle • Centralized Rule Engine and scorecards to deploy credit policy consistently across geographies • Managing portfolio volatility through regular stress testing & building sufficient provisions • • • • Collections Underwriting 3 On-ground approach for controlled risk Hub & Spoke model for efficiencies Automated decision support Digitization via tools such as Perfios, E-NACH etc. Operational Risk Management & Fraud Risk Management Framework 24 24#251 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance Unique Business Model in Retail Finance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 25#26SMFG India Credit Pragati Ki Nayi Pehchaan ON BOARDING UNDERWRITING khosla Tabs KYC SPEED HURU PAR SMFG Loans Jeene Ka Naya Andaaz In-house Sales Apps & Portals ९९९९ 101 自自自自 FICO Robust Rule Engine EQUIFAX CREDIT BUREAU CIBIL יי - - יז Customer App & Portal # LITY experian. Multi Bureau Integration EMPLOYMENT DO DOMAIN INCOME Collections FIELD ANTI FRAUD WADH DOCUMENTATION DigiLocker CONTLAI Digitizing customer lifecycle COLLECTIONS NEWGEN OMNIDOCS Digital Repositories Perfios Vymo Collection App & E-receipts eazypay REALTIME ANALYSIS & DECISIONING SOLUTION B BHARAT BILLPAY Collection Tie-ups eConsent NACH nupay API Based eNach UPI BillDesk paytm SERVICING FinnOne ALTA SIGNA [] [ ]* CRMNEXT Customer 360 View AVAYA Call Centre API based Sourcing Robust Verification Platform Customer Payment Options Multi-lingual Customer App & Portal DIGITAL FIRST | MULTI CHANNEL | PRODUCT AGNOSTIC | CUSTOMER CENTRIC 26#27SMFG India Credit Pragati Ki Nayi Pehchaan Consolidated Financials#28YoY % SMFG India Credit Pragati Ki Nayi Pehchaan Headcount In count (#) AUM Profit before tax INR 425 bn +24.4% INR 6.5 bn -11.7% Disbursal INR 288 bn +45.7% 9M FY23-24: Snapshot Strong business momentum and improving credit quality Networth INR 56.5 bn +12.7% Net Revenue INR 36.6 bn +45.6% Distribution Points Capital Adequacy Ratio* 17.3% -1.9% In count (#) 20,794 18,651 17,784 855 915 854 Net NPA (%) 2.3% 2.1% 1.8% Dec 22 Mar 23 Dec 23 Dec 22 Mar 23 Dec 23 Dec 22 Mar 23 *Standalone Dec 23 28#29SMFG India Credit Pragati Ki Nayi Pehchaan Ratios (%)* Consolidated | Financial Results INR mn 9M FY22-23 9M FY23-24 9M FY22-23 9M FY23-24 11.6% 12.9% Net Revenue 25,154 36,617 6.3% 7.2% Expenses 13,696 20,612 5.3% 5.6% Working Profit 11,458 16,006 1.9% 3.4% Cost of Credit 4,140 9,541 3.4% 2.3% Profit Before Tax 7,318 6,465 2.5% 1.7% Profit After Tax 5,514 4,834 Disbursal (INR bn) 198 288 AUM (INR bn) 341 425 Networth (INR bn) 50.1 56.5 ECL Provisions (%) 4.8% 4.2% Branches (#) 855 915 Headcount (#) 17,784 20,794 *Represents % to Average assets 29#30SMFG India Credit Pragati Ki Nayi Pehchaan Ratios (%)* SMFG India Credit Company Limited | Financial Results INR mn 9M FY22-23 9M FY23-24 9M FY22-23 9M FY23-24 12.8% 14.4% Net Revenue 22,765 33,378 6.8% 7.8% Expenses 12,041 18,123 6.0% 6.6% Working Profit 10,724 15,255 2.1% 4.0% Cost of Credit 3,754 9,302 3.9% 2.6% Profit Before Tax 6,970 5,953 2.9% 1.9% Profit After Tax 5,254 4,460 Disbursal (INR bn) 175 259 AUM (INR bn) 280 345 Networth (INR bn) 50.9 56.7 CAR (%) 19.1% 17.3% ECL Provisions (%) 4.8% 4.7% Branches (#) 730 766 Headcount (#) 15,850 18,119 *Represents % to Average assets 30#31SMFG India Credit Pragati Ki Nayi Pehchaan Ratios (%)* SMFG India Home Finance Company Limited | Financial Results INR mn 9M FY22-23 9M FY23-24 9M FY22-23 9M FY23-24 6.1% 6.2% Net Revenue 2,389 3,240 4.2% 4.7% Expenses 1,655 2,489 1.9% 1.4% Working Profit 734 751 1.0% 0.5% Cost of Credit 386 239 0.9% 1.0% Profit Before Tax 348 512 0.7% 0.7% Profit After Tax 260 383 Disbursal (INR bn) 23 29 AUM (INR bn) 62 80 Networth (INR bn) 7.0 9.3 CAR (%) 20.5% 19.5% ECL Provisions (%) 4.7% 2.3% Branches (#) 125 149 Headcount (#) 1,934 2,675 *Represents % to Average assets 31#32SMFG India Credit Pragati Ki Nayi Pehchaan AUM (INR bn) 425 YoY % ↑ 24% 398 80 60 366 361 341 73 64 40 67 62 62 Business Momentum AUM crossed INR 400bn (+24% YoY); Active customer base at 3.7mn Live Customers (#, '000s) 3,670 3,587 43 YoY % 34% 47 3,276 3,181 38 40 2,731 36 3,544 3,624 3,238 3,142 345 325 2,695 302 294 280 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 SMICC SMHFC SMICC SMHFC 32#33SMFG India Credit Pragati Ki Nayi Pehchaan Stage Analysis (%) 3.7% 3.1% 3.3% 2.9% 2.6% 3.1% 2.7% 3.0% 2.6% 2.6% 93.2% 94.2% 93.7% 94.5% 94.8% Improving Asset Quality Strong collection performance leading to improved stage mix ECL Provisions (%) 4.8% 4.7% 4.4% 4.4% 4.2% Dec 22 Mar 23 Jun 23 Stage 1 Stage 2 Stage 3 Sep 23 Dec 23 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 Stage-1: <30 dpd, Stage-2:<90 dpd, Stage-3: =>90 dpd 33.#34SMFG India Credit Pragati Ki Nayi Pehchaan Branches (#) 915 YoY ↑ 60 872 855 854 853 149 145 125 125 125 Headcount (#) Distribution Network Distribution point exceeded 900+ 20,794 19,825 YoY ↑ 3k 18,651 18,730 2,675 17,784 2,467 2,106 2,222 1,934 18,119 766 17,358 730 729 728 727 15,850 16,545 16,508 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 SMICC SMHFC SMICC SMHFC 34#35SMFG India Credit Pragati Ki Nayi Pehchaan Board of Directors and Management Team#36SMFG India Credit Pragati Ki Nayi Pehchaan SMICC Board Composition Mr. Rajeev Kannan Chairman, Non-Executive Director Mr. Shantanu Mitra CEO and Managing Director Mr. Keishi Iwamoto Non-Executive Director Mr. Yeo Hong Ping Non-Executive Director Mr. Diwakar Gupta Independent Director Mr. C N Ram Independent Director Ms. Seema Bahuguna Independent Director Ms. Dakshita Das Independent Director Mr. R. Balachander Independent Director 36#37SMFG India Credit Pragati Ki Nayi Pehchaan Shantanu Mitra CEO & Managing Director Deepak Patkar MD & CEO - SMHFC Ajay Pareek Chief Business Officer Management Team With significant retail lending experience Swaminathan Subramanian Chief Operating Officer Pankaj Malik Chief Financial Officer Suprio Banerjee Chief Risk Officer Vinod Raghavan Chief Compliance Officer Sanjeeb Kumar Prusti Head of Internal Audit Sunil Kaw Head of Credit Underwriting 37#38SMFG India Credit Pragati Ki Nayi Pehchaan CSR and Accolades#39Impact (No. Of Beneficiaries) Awards & Accolades ESG Update SMFG India Credit Pragati Ki Nayi Pehchaan Corporate Social Responsibility miraimaya 17-Mobile Health Van operational 242k Jyoti 14-Vision care center & 2 Mobile Vision Van operational 90k şakhi Financial Literacy for women 45k KRISHI MITRA Promotion of Organic Farming 10k YUVA kaushal Skill training programmes for youth 0.1k CSR Group Employee Volunteering & engagement towards community and social cause 35k Environment Social & Governance (ESG) framework and Sustainability reporting continue to progress meaningfully ESG Gaps identified have been addressed in the FY'23 Annual Report, leading to larger disclosures and transparency RAY Materiality assessment & stakeholder engagement Pashu Vikas Day awarded by Integrated Health and Wellbeing (IHW) Council award for 'Most Innovative CSR Project of the Year' WORLD BOOK OF RECORDS LONDON CERTIFICATE Fullerton Indie Credit Company Limited bined Sor organizing 'tergas Certle Care Can 11h Fary 2023 asad shay 375er in his in 72,000 carta and armiding pet 20,500 crk Ewers sender INDIA EDITION 1/2 Dantesh Sindle Star Shakle WORLD BOOK OF RECORDS ludes ESG policy, Roadmap, Goals & Targets underway Pashu Vikas Day included in 'World Book of Records' for organizing largest cattle care camp in India 39#40SMFG India Credit Pragati Ki Nayi Pehchaan Great Place To Work. Certified FEB 2023-FEB 2024 INDIA 2010 Awards Winning Brand CREAT MANAGER INSTITUTE LEADERSHIP FACTORIES INDIA Most innovative CSR project of the year July 2023 Excellence in Change Management, ET Human Capital Awards Feb 2023 Awarded Great Place to Work - Certified for 4th consecutive year Companies with Great Managers for 5th Consecutive year Recognized as a Leadership Factory of India - 2023 CERTIFICATE INFORMATION SECURITY CERTIFICATE ISO 27001 MANAGEMENT SYSTEM Best Leadership Development Initiative Aug 2022 The Golden Peacock HR Excellence Award 2021 - Jun 2022 Certificate of Appreciation (CSR) Dec 2021 ISO 27001 Certification Mar 2020 World Book of Records (CSR) Dec 2019 40 40#41SMFG India Credit Pragati Ki Nayi Pehchaan 0 eat Indy The Golden Peacock Innovative Product & Service Finnoviti Awards Jan 2019 Awards Mar 2019 Best of India Records (CSR) Jan 2019 "Best PR Campaign" ACEF Awards - Oct 2018 Future of Marketing Summit & Awards - Oct 2018 "Digital Marketing" Ad Tech India" Awards Mar 2018 Retail NBFC of the Year Outlook Money Magazine Mar 2018 Awards Winning Brand suc mCube Conference & Awards Aug 2018 Mumbai's Hot 50 Brands Mumbai Brand Summit Mar 2018 "Best Digital Campaign" Digital Industry Awards Oct 2017 41#42SMFG India Credit Pragati Ki Nayi Pehchaan Disclaimer "Certain information set forth in this presentation may contain "forward-looking information", "future strategies" including "future-oriented financial information" and "financial outlook" (collectively referred to as forward-looking statements). Except for statements of historical fact, the information contained herein constitutes forward- looking statements and includes, but is not limited to, the (i) projected financial performance of the Company; (ii) Business strategies which may be adopted (iii) the expected development of the Company's business,; (iv) execution of the Company's vision and growth strategy, (v) sources and availability of financing for the Company's business growth (vi) future liquidity, working capital, and capital requirements. Forward-looking statements are provided to allow potential investors and partners the opportunity to understand management's beliefs, opinion and aspirations. Please note that these statements are not intended to be presented as an offer or solicitation for the purchase and sale of any financial instrument. Any action taken by you on the basis of the information contained herein is your responsibility alone and SMFG India Credit Company Ltd (formerly known as Fullerton India Credit Company) and SMFG India Home Finance (formerly known as Fullerton India Home Finance Company) and its subsidiaries or its employees or directors, associates will not be liable in any manner for the consequences of any action taken by you. We have exercised due diligence in checking the correctness and authenticity of the information contained herein, but do not represent that it is accurate and/or complete These statements are not guarantees of future performance and undue reliance should not be placed on them. Such forward-looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such forward-looking statements. Forward-looking statements contained in this presentation are based upon management's belief and assumptions and there can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. The Company undertakes no obligation to update forward-looking statements if circumstances or management's estimates or opinions should change including as required by applicable securities laws." 42#43SMFG India Credit Pragati Ki Nayi Pehchaan Acronyms Short form RoE YOY AUM Assets Under Management INR Mn Bn SMICC Full name Return on Equity Year on Year Indian Rupees Million Billion SMFG India Credit Company Limited (Formerly Fullerton India Credit Company Limited) Short form LAP Full name Loan Against Property Personal Loan Small and Medium Enterprise Non Banking Financial Company Due past days Financial Year 2022-23 Financial Year 2023-24 PL SME NBFC DPD FY22-23 FY23-24 CAR Capital Adequacy Ratio SMHFC SMFG India Home Finance Company Limited (Formerly Fullerton India Home Finance Company Limited) CP NCD Net NPA ECL Net Non Performing Assets Expected credit losses DFI CSR ALM Asset Liability Management B2B MFI Microfinance Institution B2B2C MSME Micro, Small and Medium Enterprises B2B2B IT Information Technology RERA PoD X-Sell Points of Dispensing GST Cross Sell PDI ECB External Commercial Borrowing API Commercial Paper Non-convertible debentures Development Financial Institution Corporate Social Responsibility Business to Business Business to Business to Consumer Business to Business to Business Real Estate Regulatory Authority Goods and Service Tax Perpetual Debt Instrument Application Programming Interface 43#44SMFG India Credit Pragati Ki Nayi Pehchaan End of Presentation