25 YEARS IN INDIA: LEADING WITH IMPACT

Advances deep-dive (select products) Personal Loan: The personal loan market saw an uptick in FY22 with the economy normalizing and overall positive market sentiment NBFC book to see a persistent growth in FY23 with an improving economy Personal loan book : ~8.1 trillion Bank- 81% NBFC-19% CAGR (FY18-21) FY 2022E (YoY %) FY22-23 (YoY %) Disbursement 19% 60-65% 40-45% growth Industry NBFC Personal Loan Book (INR billion) +32% +44% 2,197 1,568 Book growth - Industry 1,035 1,062 31% 20-25% 35-40% 686 465 E- Estimated, P- Projected Source: CRISIL Research; BCG analysis FY18 FY19 FY20 FY21 FY22 E FY23 P 38 Copyright 2020 by Boston Consulting Group. All rights reserved.

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