Investor Presentaiton

SMFG 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

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