Investor Presentaiton

Diverse base of channel partners along with regional NBFCs provide wide distribution CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution Penetrate existing markets, enter newer markets, maintain optimal growth, profitability & quality Direct Distribution Network and Relationships Presence in the high growth markets in West and South ◉ MAS has expanded to 74 branches in 6 states and NCT Delhi Currently MAS' portfolio is concentrated in Gujarat and Maharashtra Customer Base Understanding of target market, and relationships with key stakeholders helped MAS to thrive in a competitive environment Channel Partners Partnerships with Financial Institutions Partnering with Regional NBFCs to achieve wider credit distribution Credit distribution through 105 NBFCs Allows MAS to widen its network while maintaining a relatively lower risk profile Establishes knowledge partnerships and increase its local market knowledge 55.93% of the underlying assets of the total AUM as on 30th Sept. 2017 is created through various NBFCs. Mid/low income segment MELS and SMEs Sourcing Relationships 683 Sales Feet on Street Sourcing Intermediaries 316 328 Credit Assessment Business Diligence Business analysis, credit assessment, evaluation of collection procedures etc. Hypothecated portfolio Receivables from NBFCs 100% hypothecated, regular diligence Expand & repeat business Results of regular diligence, forms base for further business We understand that efficient intermediaries is key for creating and maintaining quality portfolio while serving informal segment SLIDE: 19

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