Investor Presentaiton

Financial Performance Trends - Q2 FY18 Adequately Capitalized CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution CAPITAL ADEQUACY RATIO (CAR) DEBT EQUITY RATIO (DER) 6.36 6.52 5.86 Mar-15 Mar-16 4.01 Mar-17 In INR Mn 23.81% 22.94% 19.92% 18.36% 3.90 17.13% Sept-16 Sept-17 Mar-15 Healthy Coverage INTEREST COVERAGE RATIO (ICR) 1.97 1.55 1.61 1.68 1.74 Mar-16 Mar-17 Sept-16 Sept-17 Enhancing Shareholders' Value EQUITY DIVIDEND PAYOUT & ITS % OF PAT 125 107 76 18.55% 20.08% 19.49% FY-15 FY-16 FY-17 Q2 FY17 Q2 FY18 FY-15 FY-16 FY-17 SLIDE: 17

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