Investor Presentaiton

SMFG 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

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