Investor Presentaiton

1 2 3 4 SMFG India Credit Pragati Ki Nayi Pehchaan Strong Parentage and Governance SMFG India has created significant competitive advantage Deep inter-linkages, strategic and operational oversight Unique Business Model in Retail Finance Granular Pan India portfolio, addressing the under- banked segment with limited access to formal channels Prudent Liquidity and Risk Management Multinational credit and operational risk mitigation standards, and prudent ALM practices Future ready through Investment in Digitization, Technology and Analytics End to end process digitization, robust data infrastructure and strong analytics 8

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