Investor Presentaiton

SMFG 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

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