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Investor Presentaiton

KEY PORTFOLIO METRICS AUM (Crore) Disb. Business Segment Q1 FY17 Q1 FY 18 Yo Y Q1 FY17 Q1 FY18 Yo Y No. of Accounts Range IRR (%) Ticket (Lacs) Consumer Businesses 1. 2W & 3W finance 4,080 5,215 28% 1,059 1,078 2% 173,605 22.0-26.0 0.58 2. Consumer durable finance 6,783 7,974 18% 5,020 6,039 20% 22,61,873 23.0-25.0 0.27 3. Digital product finance 816 1,217 49% 646 1,081 67% 4. Lifestyle product finance 386 513 33% 235 319 36% 5. Retail EMI & Ecommerce 604 579 6. Personal loans cross sell 4,392 6,962 59% 997 1,537 54% 7. Salaried personal loans 2,764 3,877 40% 656 1,063 62% 15,678 8. Salaried Home Loans 1,786 3,268 83% 386 673 74% 527,390 23.0-25.0 65,565 23.0-25.0 0.46 2,04,537 23.0-25.0 0.10-0.27 97,397 16.0-26.0 1.49 14.0-16.0 5.5-6.0 8.5-9.5 37 0.20 9. BFS Direct (HL, PL) 721 1,604 122% 244 445 82% SME Businesses 10. Business loans (BL) 4,866 5,990 23% 1,344 1,299 (3%) 10,293 17.0-20.0 11-14 11. Professional loans 1,265 2,057 63% 371 661 78% 4,974 14.0-17.0 11-14 12. Loan against property (LAP) 8,661 8,582 (1%) 1,132 1,561 38% 10.50 90-110 13. Self employed - Home Loans 3,286 3,970 21% 557 964 73% 8.8-10.5 55-65 14. RM Business 2,136 2,349 10% 504 280 (44%) Commercial Businesses 15. Securities lending 2,975 6,127* 106% 16. Vendorfinancing 1,545 2,014 30% 17. Financial institutions group 433 707 63% 20 105 425% 18. Corporate finance 459 647 41% 120 190 58% 10.0-11.5 10.0-12.5 9.5-12.0 10.0-12.0 19. Infrastructure lending Exited Infra portfolio by selling down its largest exposure and paydown by one of the largest accounts Rural Business 20. Rural lending 1,688 3,916 132% 795 1,627 105% 3,70,985 14.0-26.0 *Includes 2,021 Crs of IPO Financing 13
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