Investor Presentaiton

Robust and Comprehensive Credit Assessment and Risk Management Framework CELLENCE THROUGH ENDEAVOUR MAS FINANCIAL SERVICES LTD. The Power of Distribution MAS aims to give credit where it is due with the dictum of adherence and adaptability Robust credit assessment Income Profile Credit assessment process overview by Product Micro-Enterprise Loans - ☐ Analysis of business potential and end use, cash flows and model (business to be cash profit for the previous 3 years) Asset Profile ☐ Stability Qualitative & Quantitative Checks End use of loan Track Record Requires a guarantor or co-applicant according to the assessment of the applicant's profile SME Loans " ◉ Business operating history is required from minimum 1 year to 5 years depending on loan size 50-70% of turnover to be reflected in current account Eligibility criteria is based on turnover, debt/equity ratio and net worth on a case-to-case basis Two-wheeler Loans ☐ " At least one property (residential or business) should be owned by the applicant or jointly residing family members For a student applicant, a co-applicant is compulsory Commercial Vehicle Loans ◉ Requires vehicle hypothecation and insurance cover Analysis of income, experience, and business stability requirements depending on whether the applicant is a first time user, first time owner, fleet operator or a captive user SLIDE: 20

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