#1Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS DEPOSITS Tennslating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ 0. Reinforce Rebuild Reach Higher A HOME A CAN FIN HOME HAVE A Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS ◆ DEPOSITS Translating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ Investor Presentation Q2FY24 35 years of vision, passion and progress Offering home loans since 1987..... and it is just a beginning October 2023#2About Us Legacy 35 year old institution registered as a deposit taking HFC with NHB Promoted by Canara Bank in the year 1987 (shareholding of 30% approx.) Can Fin Homes is a part of the Canara Group Financial Conglomerate led by Canara Bank Listed in 1991. Carries a legacy of an uninterrupted dividend payment since inception Focus To promote home ownership across India, with a motto of friendship finance and good service To focus on Housing loans to Individuals To have strong fundamentals with ethical & transparent practices and prudent underwriting • • Reach Headquartered in Bengaluru • • Net Int Income: . Pan-India presence • with 175 branches, 21 Affordable Housing Loan Centers & 12 Satellite Offices as on 30/09/2023; spread across 21 States Union Territories. Added 147 branches/ Satellite Offices in the last ten years. Financials (Q2FY24) Rs.316.77 Cr Operating Profit: Rs.270.18Cr PBT Rs 197.99Cr PAT: Rs.158.07 Cr Vision To increase lending to new home aspirants, enhance value for our stakeholders, uphold our ethics and good corporate governance • • ROE 15.96% www.canfinhomes.com Can Fin Homes Ltd Spanker ANARA BAN 2#3JOURNEY OF CAN FIN HOMES 1989 11 more branches are added, including New Delhi 1991 Y Y 1987 www.canfinhomes.com First branch of CFHL opened at Jayanagar, Bengaluru 2011 2015 Loan book crossed Rs. 100 Cr Rights issue of CFHL - mCap over Rs. 1000 Cr 2016 Loan book over 100th branch at Begur, Bengaluru. 1st satellite 2013 office at Yelahanka Rs. 10000 Cr 41 branches we started expanding Completed 25 years. 50th branch opened at NCR- Pitampura 2012 Split of equity shares from Rs. 10 each to Rs. 2 each (w.e.f. 13/10/17) 2017 ET Edge Promising Brand Award to Can Fin Homes Ltd. AUM crossed Rs. 20000 Cr in December 2019 2019 2021 Successful completion of 35 Years 2022 Loan book crossed Rs 31500 Cr 2023 Can Fin Homes Ltd Sponsor: CAR BANK) Ang ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ.#4Reinforce The Company's reliance on the crucial parameters of growth, asset quality, profitability, liquidity, backed by good governance and due diligence will continue. The commitment to basic, underlying principles of ethics, integrity, sincerity, customer-centricity, fairness, team work and the spirit of excellence is what drives Can Fin forward. Strengthening the pillar of Risk, Compliance and Audit www.canfinhomes.com#5www.canfinhomes.com Rebuild The reliance on digital platforms has increased phenomenally over the past few years. With rapidly evolving business requirements and the need to remain relevant amidst change, we are striving hard to improve our digital presence and shore up our infrastructure for accommodating agile and innovative processes. Strengthen direct sourcing 5#6Reach Higher In order to facilitate its upward trajectory, the Company intends to expand its sourcing channels to optimally reach its target segment of borrowers. It is proposed to introduce new products such as Green Housing which will align with Can Fin's commitment to conduct its business in an environmentally friendly manner. www.canfinhomes.com 6#7www.canfinhomes.com Our Strengths • • • • • • • • Consistent support from the sponsor, Canara Bank. Expertise gained over 35 years in housing finance. Eminent personalities with rich experience on the board. Quick, hassle free and customer friendly lending process. Transparent and timely updation to stakeholders. Risk based evaluation of borrowers on merit. Single Window branch led lending process. Consistent and stable liquidity position. Steady, increased dividend - year after year. Can Fin Homes Ltd Sponsor: CAR BANK) Ang ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ.#8Board of Directors Shri K Satyanarayana Raju Chairman (Promoter) Shri Suresh S lyer Managing Director & CEO Shri Debashish Mukherjee Director (Promoter) Smt Shubhalakshmi Aamod Panse Shri Arvind Narayan Yennemadi Director (Independent) www.canfinhomes.com Director (Independent) Shri Anup Sankar Bhattacharya Shri Murali Ramaswami Director (Independent) Director (Independent) Shri Ajai Kumar Director (Independent) Shri Ajay Kumar Singh Deputy Managing Director Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Doubely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. 8#9Experienced Management Team Shri Sudhakar B M General Manager Total Exp: 36 Years Service in Can Fin - 33 Years Shri Nilesh Jain Company Secretary Total Exp: 20 Years Service in Can Fin - 01 month Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Doubely ಕ್ಯಾಟ್ ಫಿಷ್' ಹೋಮ್ಸ್ ಲಿ. Shri Apurav Agarwal Chief Financial Officer Total Exp: 14+ Years Service in Can Fin -9 Months Shri Prakash Shanbhogue Head Collections Total Exp: 30 Years Service in Can Fin - 30 Years Shri Prashanth Joishy Head - Products & Strategy Total Exp: 34 Years Service in Can Fin - 34 years Shri Madhu Kumar R Head - Credit Total Exp: 33 Years Service in Can Fin - 28 years Shri Arun Kumar V Head Centralized Credit Processing Centre Total Exp: 37 Years Service in Can Fin - 33 years Shri Uthaya Kumar A Chief Risk Officer Total Exp: 30 Years Service in Can Fin - 30 years Shri DR Prabhu Chief Compliance Officer Total Exp: 34 Years Service in Can Fin - 34 years www.canfinhomes.com Shri Sikhin Tanu Shaw Chief Information Officer Total Exp: 20 Years Service in Can Fin - 5 years Shri Ratheesh Kumar P Head - RBIA Total Exp: 26 Years Service in Can Fin - 26 years Shri Murugan R Head-Learning & Development Total Exp: 31 Years Service in Can Fin - 28 years 6#10Systems and Controls Lead Generation Due Diligence Legal verification Valuation Sanction Disbursement 1 1 1 1 Through Website, Customer Referral, Direct marketing and DSA channel. CKYC-UIDAI linked verification; Bank account verification through PERFIOS; Field verification of residence, employment, property in each proposal; PAN verification; Online ITR verification through web site; CERSAI verification. Through empanelled Advocate, Cross verification through State Govt. Land portal. Through professional Valuers, validation of rates through market linked web sites. Single Window - At branch level for loans upto delegated power of Branch Head. Over and above branch powers at Central CPC Centralized Disbursement post verification of documents www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] Teanaluling Derumi satu Baudely 10#11Systems and Controls Documentation Storage of Loan Dockets Collection Monitoring Reconciliation CRM www.canfinhomes.com 1111 11 Pre-filled System Generated documents - ready for Execution. Centralised Document Storage at 3 different location Pan India. Through E-NACH, Salary deduction. Option for online Payment. Data mining for EWS Monthly OTMS reports Cluster Risk Monitoring At branches and at Head office for all branches Review of all loan sanctions at Head Office Can Fin Homes Ltd. Sponsor: CANARA BANK] Teanaluling Derumi satu Baudely 11#12Digital Transformation In order to ensure uninterrupted services to our customers, even during challenging times like today, we leveraged various advanced digital tools and technologies. These enabled us to reach more customers, across the length and breadth of the country, improve our efficiency and tide through challenges despite difficulties. Our digital focus areas: Providing personalized and seamless services to our customers across the country Creating a digital financial services bouquet in collaboration with some of the nation's leading technological support providers Automation and digitization of processes to make things simpler, faster and user-friendly Building robust and secure digital capabilities across platforms to prevent frauds and ensure customer data protection C Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Rombely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. RFP floated for onboarding System Integrator (SI) for IT Transformation project. Expect to finalise vendor in Q3FY24 www.canfinhomes.com 12#13PERFORMANCE HIGHLIGHTS - Q2FY24 1. Loan Book reached Rs. 33359 Cr (+16% YoY) with a clientele base of 2.53 lakh. 2. NII: Rs. 316.77 Cr, PBT: Rs.197.99 Cr and PAT: Rs.158.07 Cr. 3. NIM: 3.80%, ROAA: 1.86% 4. RoE: 15.96%, EPS: Rs. 11.87 5. Cost to Income Ratio: 16.25% 6. DER: 7.73 7. Gross NPA 0.76% & Net NPA 0.43%. 8. The Salaried and Professional segment constitutes 72% of the outstanding loan book as on Sep 23. Housing forms 89% of the Loan Book including CRE and NHL 11%. 9. Average ticket size of incremental housing and non- housing loans is Rs.22 Lakh and Rs.8 Lakh respectively. 10. Opened 3 new branches in Q2FY24 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 13#14Performance Highlights- Q2FY24 Year on Year and Sequential SI. Particulars No. Amount Rs. in Crore Sep 23 (3m) Sep 22 (3m) Jun 23 (3m) 1 N 3 4 New Approvals Disbursements Outstanding Loan Book Net Interest Income 2123 2348 2071 2019 2245 1966 33359 28823 32505 316.77 251.17 285.09 5 Operating Profit 270.18 216.08 247.60 6 Provision for Std Asset (1.21) 33.55 9.04 Provision for NPA 16.43 (20.32) 4.66 Bad Debts + Management Overlay 56.95 9 Profit Before Tax 197.99 202.85 233.90 10 Profit After Tax 158.07 141.71 183.46 11 Gross NPA 254.45 178.69 205.18 12 Gross NPA Ratio (%) 0.76% 0.62% 0.63% 13 Net NPA 142.44 101.16 109.61 14 Net NPA Ratio (%) 0.43% 0.35% 0.34% www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tornabatang Dewa Reubely ಕ್ಯಾಟ್ ಫಿಷ್ ಹೋಮ್ಸ್ ಲಿ. 14#15Key Financial Ratios- Q2FY24 Amount Rs. in Crore PERIOD ENDED Sl. Particulars No. Sep 23 (3m) Sep 22 (3m) Jun 23 (3m) 1 Return on Avg Assets (Annualised) 1.86% 2.07% 2.19% 2 Return on Avg Equity (Annualised) 15.96% 16.82% 19.16% 3 Earning Per Share (Rs.) 11.87 10.64 13.78 4 Net Interest Margin (%) 3.80% 3.55% 3.48% 5 Yield on Loan Portfolio (%) 10.07% 8.55% 9.84% 6 Cost (%) 7.32% 6.04% 7.32% 7 Spread (%) 2.75% 2.51% 2.52% 8 Avg. Business Per Branch (Rs. Crore) 162.08 143.75 160.40 9 Avg. Business per Employee (Rs. Crore) 34.18 31.50 33.87 10 Cost Income Ratio (%) 16.25 15.78% 14.94% 11 DER 7.73 7.93 7.81 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 15#16Performance Highlights- H1FY24 Year on Year (As per IND AS) SI. Particulars No. Amount Rs. in Crore Sep'23 (6m) Sep 22 (6m) 1 New Approvals 4195 4103 Growth% 2% 2 Disbursements 3986 3967 3 Outstanding Loan Book 33359 28823 16% 4 Net Interest Income 601.86 501.57 20% ம Operating Profit 517.78 431.08 20% 6 Provision for Std Asset 7.83 21.89 15% 7 Provision for NPA 21.10 (12.35) 271% Profit Before Tax 431.89 421.54 2% 9 Profit After Tax 341.53 303.93 12% 10 Gross NPA 254.45 178.69 11 Gross NPA Ratio (%) 0.76% 0.62% 12 Net NPA 142.44 101.16 13 Net NPA Ratio (%) 0.43% 0.35% *Excluding Management overlay of Rs.17 crore www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely ಕ್ಯಾಟ್ ಫಿಷ್ ಹೋಮ್ಸ್ ಲಿ. 16#17Key Financial Ratios- H1FY24 SI. Particulars No. Amount Rs. in Crore PERIOD ENDED Sep 23 (6m) Sep 22 (6m) 1 Return on Avg Assets (Annualised) 2 Return on Avg Equity (Annualised) 3 Earning Per Share (Rs.) 2.01% 2.22% 17.24% 18.04% 25.65 22.82 Net Interest Margin (%) 3.62% 3.54% 5 Yield on Loan Portfolio (%) 9.93% 8.55% 6 Cost (%) 7.32% 6.04% 7 Spread (%) 2.60% 2.51% 8 Avg. Business Per Branch (Rs. Crore) 162.08 143.75 9 Avg. Business per Employee (Rs. Crore) 34.18 31.50 10 Cost Income Ratio (%) 15.63% 15.81% 11 DER 7.73 7.93 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 17#18Key Ratios -Impact of Ambala fraud SI Particulars No. PERIOD ENDED Sep 23 (3m) (with Sep'23 (3m) (Without Ambala ) *Rs in Cr Jun'23(3m) Ambala) 237.65 239.90 1 Profit Before Tax 197.98 2 Profit After Tax 158.07 187.76 183.46 3 Return on Assets 1.86% 2.21% 2.19% 4 Return on Equity 15.96% 18.82% 19.16% 5 EPS 11.87 14.10 13.78 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] Teanaluling Derumi satu Baudely 18#19Breakup of Provision SI Particulars No. PERIOD ENDED * Rs in Cr Sep'23 (3m) Jun'23 (3m) 1 Provision for Std Assets (1.21) 9.05 2 Provision for NPA 16.43 4.66 3 Provision for Ambala 39.67 4 Management Overlay 17.28 Total 72.18 13.71 www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] Teanaluling Derumi satu Baudely 19#20Channel Sourcing Mix - Q2FY24 Active DSA's Total DSA Sourced FY23 Q1FY24 1463 1464 Q2FY24 1316 Amount (Crores) 7302.23 1667.13 1651.01 % share of total business 82% 85% 82% Share of Top 20 DSA's Amount(Crores) % share of total business 1010.61 247.35 233.04 11% 12% 11% Geographical Spread of DSA business Core geographies (South) (%) 75% 75% 76% Rest of India (%) 25% 25% 24% www.canfinhomes.com Diversified Sourcing no concentration Can Fin Homes Ltd. Sponsor: CANARA BANK] Teanaluling Derumi satu Baudely 20 20#21Lending Basket CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount Rs. in Crore Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Rombely ಫ್ಯಾನ್ ಫಿನ್' ಹೋಮ್ಸ್ ಲಿ. Sep-23 SI. Particulars No. Sep-22 O/s Amt. Dec - 22 O/s Amt. Mar-23 Jun - 23 O/s Amt. 0/s Amt 0/s Amt 1 Salaried & Professionals i) Housing Loans 19562 20256 21071 21602 22067 ii) Top-up Personal Loans 852 915 960 990 1020 iii) Mortgage Loans/ Flexilap 729 774 811 829 843 iv) Loans for Sites 171 177 184 182 184 v) Others 34 37 40 41 41 Sub Total 21348 22159 23066 23644 24155 (As a % to total) 74% 74% 73% 73% 72% 2 Non Salaried Class- Self Employed & Non Professionals i) Housing Loans 6228 6613 7050 7357 7656 ii) Top-up Personal Loans 336 367 397 415 437 iii) Mortgage Loans/Flexi Lap 763 825 893 929 950 iv) Loans for Sites 71 76 81 84 87 v) Others 56 54 56 55 52 Sub Total 7454 7935 8477 8840 9182 (As a % to total) 26% 26% 27% 27% 28% 3 Builder Loans (As a % to total) 4 Staff Loans 21 Grand Total 28823 21 20 30115 31563 21 22 32505 33359 21 www.canfinhomes.com#22Funding Basket NCD 16% NHB 19% Funding Mix @ Sep 2023 (as %) CP Deposits 7% 1% Total Borrowings - Rs. 30628 Crs www.canfinhomes.com Funding Mix @ Sep 2022 (as %) CP Deposits 8% 2% NCD 14% Banks 57% NHB 22% Total Borrowings - Rs. 26740 Crs Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Banks 54% 22 22#23PORTFOLIO DETAILS Product Wise Portfolio Break up @ Sep 2023 (as %) 2% 2% 5% 12% OS - Q2FY24 www.canfinhomes.com 79% IHL Site Loan LAP Loan Topup Loan Other Loan 89% HL NHL Bifurcation 11% HL NHL *HL OS is inclusive of CRE Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 23#24SHAREHOLDING PATTERN 11.36 19.44 3.37 9.55 26.29 29.99 ■ Promoter ■Mutual Funds ■Foreign Corporate Bodies Bodies Corporate ■Individual ■ Others www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. SI No. Category shareholding as % 1 Promoter 29.99 2 Mutual Funds 26.29 3 Individual 19.44 4 Foreign Corporate Bodies 11.36 5 Bodies Corporate 9.55 60 Others 3.37 7 ས Grand Total 100.00 24 24#25Yield and Cost(As at the end of each quarter) www.canfinhomes.com 9.02% 8.11 9.87% 9.84% 9.93% 7.32% 6.48% 7.32% 7.51% 5.56% Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 Q2 FY 23-24 Cost Yield Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 25#26Spread and NIM (As at the end of each quarter) www.canfinhomes.com 3.55% 3.47% 3.48% 3.37% 3.62% 2.60% 2.55% 2.55% 2.52% 2.36% Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 Q2 FY 23-24 Spread NIM Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LONGS » DEROS FS Tendang Dewa Rombely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. 26#27Total Provisions held Amount Rs. in Crore Balance as on Provision held as per ECL Model Asset Classification ECL Stages 30 Sep 2023 1 29884 Standard Asset SMA O 1 1367 2 707 141.46 SMA 1 SMA 2 www.canfinhomes.com Restructured A/c NPA Total Portfolio Undisbursed Loan Commitment Total Provision 2 534 2 613 3 254 112.00 33359 253.46 1165 2.91 256.37 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 27 27#28NPA and PCR Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. Gross NPA & Net NPA (%) PCR (Provision excluding management overlay) (%) 0.62 0.63 0.60 0.55 0.76 43% 0.43 0.35 0.34 0.30 0.26 51% 52% 47% 44% Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 Q2 FY 23-24 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 23-24 Q2 FY 23-24 Net NPA GNPA www.canfinhomes.com 28#29PCR with Management Overlay www.canfinhomes.com Rs. In crore FY23 As % of GNPA H1FY24 As % of GNPA Gross NPA 174 254 A. ECL Provision 91 52% 112 44% (Stage 3) B. Management 17 34 Overlay Total Provision 108 62% 160 63% available (A+B) C. Prov for 68 68 Restructured Pool Total Provision 176 101% 214 84% available (A+B+C) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 29 29#30NPA and Restructured NPA 300 250 200 19.50 1.40 1.66 64.18 Quarter NPA Amount Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. * Amt in Crs NPA% Without Only Without Only Restructur Restructur Restructur Restructur ed accts ed ed accts ed 150 Q3FY23 179.74 1.40 0.60% 0.005% Q4FY23 172.19 1.66 0.55% 0.005% 100 179.74 185.68 190.27 172.19 Q1FY24 185.68 19.50 0.57% 0.06% Q2FY24 190.27 64.18 0.57% 0.19% 50 Q3FY23 Q4FY23 Q1FY24 Q2FY24 I Without Restructured accts Only Restructured www.canfinhomes.com 30#31Geographical Wise Distribution No. of Branches 27 22 123 30 Outstanding 13.15% 71.95% (%) Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 11.18% 8 8 2.20% 1.52% Central East North South West Central East North South West www.canfinhomes.com 31#32Geographical Wise Distribution - H1FY24 Incremental Sanctions 79.54% 78.58% 10.69% 2.02% 6.96% 0.93% 1.98% 1.59% Central East North www.canfinhomes.com Sep-22 Sep-23 (%) Incremental Disbursement 78.14% 78.19% (%) 7.78% 10.33% 9.93% 8.28% 10.55% 2.14% 7.58% 1.06% 2.04% 1.69% South West Central East North South West Sep-22 Sep-23 Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. 32#33Action Taken Centralized Disbursement Online Lead sourcing Centralized Reconciliation CRM Litigation Management Software Risk Management Branch Expansion APF Implemented from 03/10/2023 Pilot project on Online lead sourcing implemented in Sept-23 Implemented from 01/08/2023 All branches covered from 01/10/2023 Implemented from 22/08/2023 Quarterly Cluster level risk management implemented from July 2023 3 new branches opened in Sept 2023 34 projects approved. 51 member sales team identified internally for marketing lead by 2 team leads www.canfinhomes.com Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Rombely ಕ್ಯಾಟ್ ಫಿಷ್' ಜೇಮ್ಸ್ ಲಿ. 33#34STRATEGIC INITIATIVES PROPOSED ✓ RCSA ✓ Fraud control unit will be augmented. ✓ Software for outsourced activity (Valuation) ✓ Online Reconciliation. Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS • DEROS FS Tendang Dewa Reubely BY FENCE 0. www.canfinhomes.com 34#35Branch Network (208 BRANCH OFFICES) .Punjab-Jalandhar ⚫ Chandigarh • Rajasthan - Alwar, Jaipur, Mansarovar, Kota, Udaipur, Ajmer, Jodhpur, Jhotwara, Jagatpura, Bhilwara • Gujarat Ahmedabad, Vadodara, Surat, Rajkot, Jamnagar, Bhavnagar MP-Bhopal, Gwalior, Indore, Mandideep, Jobalpur, Pithampur, Sagar, Rewa • Chhattisgarh - Raipur, Bilaspur, Bhilai • Maharashtra - Kolhapur, Navi Mumbai, Mumbai, Nagpur, Panvel, Kalyan, Pune, Nashik, Boisar, Chakan, Hinjewadi, Aurangabad, Solapur • Karnataka - Bengaluru (30 branches), Belgaum, Davanagere, Hubli, Mysore, Mangalore, Mandya, Shimoga, Tumkur, Udupi, Hassan, Dharwad, Ballari, Haveri, Hoskote, Kalaburagi, • Kerala - Calicut, Kochi, Thiruvananthapuram, Thrissur, Shoranur, Neyyattinkara Odisha Bhubaneshwar, Berhampur, Jharsuguda • Bihar - Patna Tamilnadu Hosur, Chennai (9 branches), Madurai, Namakkal, Trichy, Coimbatore, Salem, Erode, Vellore, Thiruchengode, Dindigul, Karur, Virudhunagar, Tirunelveli, CBE-P N Palyam, Tirupur, Kumbakonam, Thoothkudi, Gobichettipalayam, Thirumangalam, Batlagundu, Theni, Thanjavur, Pollachi, Tenkasi, Karikudi, Mayiladuthurai Goa Pondicherry West Bengal - Durgapur Uttar Pradesh - Lucknow, Meerut, Noida, Greater Noida, Agra, Varanasi, Allahabad, Kanpur, Ghaziabad, Jhansi Uttarakhand - Dehradun, Haridwar Andhra Pradesh - Bhimavaram, Kadapa, Nellore, Ongole, Tirupathi, Guntur, Kakinada, Vizag, Vijaywada, Vizag - Steel Plant, Rajahmundry, Kumool, Vizianagaram, Gollapudi, Tenali, Eluru, Mangalagiri, Srikakulam • Telangana - Hyderabad (13 branches), Siddipet, Warangal, Karimnagar, Khammam, Mancherial, Nizamabad . Delhi Nehru Place, Pitampura • Haryana - Gurgaon (2), Manesar, Sonepat, Faridabad, Dharuhera, Rewari, Karnal, Ambala, Rohtak, Palwal www.canfinhomes.com Jammu & Kashmir Chandigarh Himanchal Pradesh Punjab Uttaranchal Arunachal Pradesh Haryana Delhi Sikkim Rajasthan Uttar Pradesh Assam Bihar Nagaland Manipur Meghalaya Jharkhand Mizoram Gujarat Madhya Pradesh Chhattisgarh West Bengal Tripura Orrisa Goa Maharastra Telangana Andhra Pradesh Karnataka Kelala Tamil Pondicherry Nadu Can Fin Homes Ltd. Sponsor: CANARA BANK] HOME LOANS DEPOSI Tendang Dewa Reubely ಕ್ಯಾಟ್' ಫಿನ್' ಹೋಮ್ಸ್ ಲಿ. 35#36HAVE A HOME A CAN FIN IN HOME Can Fin Homes Ltd (Sponsor: CANARA BANK) HOME LOANS ◆ DEPOSITS Translating Dreams into Reality ಕ್ಯಾನ್ ಫಿನ್ ಹೋಮ್ಸ್ ಲಿ. THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and initiatives, technological changes, political, economic, regulatory and social conditions in India etc. that may cause the actual results, performance and achievements of CFHL to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements or other projections. www.canfinhomes.com For Further Information: Please Contact: Mr. Prashanth Joishy Email: [email protected] Phone No: +91 76250 79507 36