#1TATA CAPITAL Count on us Tata Capital Limited RESULTS Q1 FY22-23#2TATA CAPITAL Count on us Our Purpose Responsible financial partner. fulfilling India's aspirations 2#3Our Six Purpose Pillars 10 Lead with Trust We respect and reinforce the trust that is placed in us. We are the partner the country can rely on Better Together We actively collaborate with customers, partners, employees, group companies, communities; their success is our success Futuready We innovate and leverage technology to anticipate, serve and shape future needs; setting the path for others to follow Faster forward We bring speed and simplicity; accelerating the pace at which the future becomes the present Capital & More We serve the customer through the life-cycle of needs; We are facilitators and counsellors in helping customers achieve their dreams Delivering Delight We go above and beyond to care and make people happy; We deliver delight to all stakeholders TATA CAPITAL Count on us 3#4Our Vision To be a leading organization on Growth, Shareholder Returns, Customer Experience and be an Employer of Choice TATA CAPITAL Count on us +#5Tata Capital: Flagship Financial Services Company of the Tata Group INR 97,703 Cr Loan book TATA CAPITAL Count on us 79% Secured book 2.7 Mn+ Customers 281 Branches Profitable since inception Rated AAA by all leading Rating agencies LO 5#6Corporate Structure TATA CAPITAL Count on us TATA TATA CAPITAL Count on us 100% TATA Capital Financial Services Ltd. 100% TATA Capital Housing Finance Ltd. 80.5% 19.5% IFC,W TATA Cleantech Capital Ltd. Private Equity Funds NBFC HFC LENDING BUSINESS NBFC (Infra) Other Subsidiaries OTHER BUSINESSES 6#7Business Segments LENDING BUSINESS Consumer 2W, Used Auto, Personal Loans, Business Loans, Commercial Vehicle, Construction Equipment, Consumer Durables, Micro Loans Housing Home Loans, Loan against property, Affordable Housing Loans DISTRIBUTION, ADVISORY & INVESTING BUSINESS SME Channel Finance, Leasing, Invoice Discounting, Term Loans, Working Capital loans Corporate Finance Term Loans, Structured Finance & Syndication, Construction Finance, Cleantech Financing 0 TATA CAPITAL Monewy Distribution Insurance & Credit Cards TATA CAPITAL Wealth Management Wealth management services & distribution Moneyfy Digital financial planning platform Private Equity Growth Fund, Healthcare Fund, Opportunities Fund Count on us 7#8Expanding Reach Chandigarh 3 Punjab 7 Haryana 8 Delhi/NCR (14 Rajasthan 33 Gujarat 20 Madhya Pradesh 11 Maharashtra 31 Goa 1 Karnataka 13 TATA CAPITAL Count on us Kerala 8 1 Himachal Pradesh 4 Uttarakhand 49 Uttar Pradesh 2 Assam 1 Bihar 7 West Bengal 4 Jharkhand 3 Odisha 7 Chhattisgarh 11 Telangana 10 Andhra Pradesh 33 Tamil Nadu 281 Branches as of Jun'22 8#9'Digital' @ heart of our transformation Reimagining customer experience Enhancing Digital Platforms for higher traffic and activation Enabling unified customer experience and seamless e2e digital journeys Bringing delight to service Shifting customer engagement to seamless self-service options Multiple channels available. for self-service 74% customer requests served digitally Rethinking how we operate Using intelligent automation across the lending value chain to continually improve cost efficiencies Leveraging data and analytical models to improve metrics across businesses & functions Simplifying partner journeys Revamped Partner Platforms to enable e2e seamless journeys Enabling multiple utilities and features to enhance experience; Adoption over 95% across all products Embracing ecosystems for growth Leverage partnerships - Tata Digital, Fintech ecosystem and broader Group to launch digital first products across, retail, mortgage & channel finance TATA CAPITAL Count on us 9#10Analytics across customer lifecycle Better conversion and pricing Improve cross-sell & Products per Customer Prospect Pre-approved Marketing offers Acquisition & Cross-sell Leads from existing base & group ecosystem Underwriting & Disbursement Segmentation and profitability models Decision Decision tree scorecards for policy refinement Risk based Channel pricing scorecards Lifecycle Management & Retention Increase Straight through decision making Bureau Watch Proactive BBB Improve collection efficiency retention models Drive productivity Pricing Model/ CLTV/Customer risk profiling Collection & Recovery ~30 scorecards built using LR/DT/ML algorithms Early warning signals Models used for allocation, self cure, representation strategy, X bucket and flow bucket collections, Settlement and Repo TATA CAPITAL Count on us and efficiency 10#11TATA CAPITAL Count on us Q1 FY22-23 Financial Performance (Consolidated) D 11#12Performance Highlights Q1 FY23 INR 15,436 Cr ✰ 73% INR 97,703 Cr 24% INR 1,349 Cr ↑ 23% 0.6% 40 bps - Hv ㅁㅁㅁ EEEE Disbursals Loan Book NIM + Fee Net NPA INR 535 Cr ↑ 5x 17.9% 1,360 bps SS PAT RoE INR 8,927 Cr INR 78,514 Cr INR 1,094 Cr 1.0% INR 108 Cr 4.3% TATA CAPITAL Count on us All figures in INR Cr Q1 FY22 12#13Key takeaways [1/2] Strong y-o-y growth of 73% in disbursements during Q1 FY23 (1); Recorded highest ever disbursals in the consumer loans segment during the same time period Loan book stood at INR 97,703 Cr; up 24.4% y-o-y and 3.6% q-o-q T Retail constitutes 63% of the total loan book Restructured book under moratorium stood at 0.6% of total advances as on Jun'22 NIM + Fee income improved by 50bps y-o-y in Q1 FY23; aided by lower cost of funds, better product mix and increase in book size TATA CAPITAL Count on us (1) Excluding disbursement for IPO funding and channel finance 13#14Key takeaways [2/2] Loan losses in Q1 FY23 were lower by 69% compared to Q1 FY22 supported by superior asset quality and strong collection efficiencies GNPA (1.9%) | NNPA (0.6%) remained at same levels as of Mar'22. Provisioning Coverage Ratio remains healthy at 70.6% TATA CAPITAL Count on us Our total loan loss provisions stood at 3.1% of the loan book as on Jun'22. The same is 2.3x of provisions required as per IRAC norms Continue to make significant investments in our core systems and technologies to further enhance experience for customers and partners Launch of new digital assets and upgradation of existing assets to expand the distribution reach, target new customer segments and improve cross-sell 14#15Disbursals & Loan Book Disbursals: 73% YoY Growth Loan Book: 24% YoY Growth 63% Retail Loan Book 97,703 94,349 8,927 Q1 FY22 16,591 15,436 78,514 Q4 FY22 Q1 FY23 Jun'21 Mar'22 Jun'22 Numbers in INR Cr TATA CAPITAL Note: Excludes disbursement for IPO funding and channel finance Count on us 25% 12% Consumer (29%) 63% Housing (34%) ■Retail Corporate SME 15#16Asset quality Gross Stage III (%) Net Stage III (%) NNPA / Net worth (%) 2.8% 1.9% 1.9% 1.0% 0.6% 0.6% 7.6% 4.4% 4.4% Jun'21 Mar'22 Jun'22 Jun'21 Mar'22 Jun'22 Jun'21 Mar'22 Jun'22 TATA CAPITAL Count on us 16#17Liability Mix TATA CAPITAL Count on us 9% 8% 12% 10% 32% 36% 47% 46% Well articulated capital raising plan with a focus on raising more granular, sticky liabilities; diversified funding mix including ECBS as well as public NCDs Maintained adequate liquidity along with a well managed ALM Credit ratings CRISIL Rated AAA by An S&P Global Company Jun'21 Jun'22 NCD TL NHB + Others ICP ICRA A MOODY'S INVESTORS SERVICE COMPANY India Ratings & Research A Fitch Group Company 17#18Financial Performance TATA CAPITAL Count on us FY22 INR Cr Q1 FY22 Q1 FY23 Y-o-Y Growth 52,784 Disbursals 8,927 15,436 73% 94,349 Loan book 78,514 97,703 24% 4,863 NIM + Fee 1,094 1,349 23% 1,994 Operating expenses 372 561 51% Credit cost incl. impairment 631 586 180 -69% of financial instruments 2,238 Profits before tax 136 608 346% 1,648 Profits after tax 108 535 397% FY22 Ratios (%) 2.0% ROA 15.6% RoE 6.9 D/E Q1 FY22 Q1 FY23 0.6% 2.3% 4.3% 17.9% 6.8 7.1 All figures in INR Cr 18#19Awards & Recognition Bb BFSI BEST BRANDS 2002 Catal www. ICC INKSPELL 10 EARTH CARE ICICI Lombard Nibhaye Vaade CNBC PRESENT INDIA ISK MANAGEMENT AWARDS HONDUPANG THE NEW AGE RISK MANAGEMENT PRACTITIONERS Great Place To WorkⓇ Certified MAR 2022 MAR 2023 INDIA Best BFSI Brand- Economic Times Best BFSI Brands 2022 Best Digital Strategy (BFSI) - Search Engine Marketing 2022 Green Urja award - Top Private financing institution for RE and EE 2022 Green Earth Care Award 2022 Winner Masters of Risk BFSI Large Cap 2022 Recognized as a Great Place to Work 2022 WINNER ASSOCHAM CSR & SUSTAINABILITY SUMMIT & AWARDS Centiate at Exc Tata 20 TATA CAPITAL MACAUR LINted T Winner Service Sector Large Category at CII (WR) SHE Excellence & Innovation Award 2021 NATIONAL AWARDS FOR EXCELLENCE IN 7 EDITION 'Karz nahi Farz bhi' wins Marketing Campaign of the year 2021 Presented to TATA CAPITAL Excellence in Water Conservation - ASSOCHAM CSR & Sustainability Summit Awards THE GREAT INDIAN MARKETING AWARDS 20 21 Marketing Campaign of the Year 2021 Best L&D team of the year Won 'Best employee engagement program' & 'Best L&D initiative' - Human Excellence Awards 2021 dad DRIVERS OF DIGITAL AWARDS AND SUMMIT Multiple awards at Drivers of Digital (DOD) Awards 2020 TATA CAPITAL Count on us DG Voicebot TIA won Best Use of Al at 'India DigiPlus Awards 2020' + Healthcare Investor of the year award Dyb ALKOL-C TCL Healthcare Fund wins "Healthcare Fund of the Year" 2019 & 2020 both KEL 'Bronze' award at the ACEF Awards Won 'Overall excellence in Procurement' - 4th Leadership Summit & Awards 2021 D Wift TATA MITA Finnoviti Award 2020 for its Digital Lending Platform to SMES 19#20Impacting Lives Health Cancer Care Treatment Eradication of curable blindness Education Scholarships Quality Primary Education Financial Literacy Climate Action Water security Renewable energy Skilling BFSI REN ~260,000 lives impacted 600,000+ beneficiaries through our programs ~245,000 lives impacted ~65,000 lives impacted Aligned to our group focus areas and SDGs ~20,000 lives impacted Benefits the Socially and Economically underprivileged and Affirmative Action Communities Trusted partners to deploy TATA CAPITAL Count on us 20 20#21Disclaimer This presentation is being furnished solely for your information and may not be reproduced or redistributed to any other person. 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