SMC Investor Presentation

• • Borrowing Mix Diversification Increasing diversity in borrowing profile with borrowing from banks & financial institutions Continued plan to raise additional funds through diversified sources and through varied instruments Cumulative Asset liability mismatch/surplus of INR 481.9 Mn in 30 days bucket which is well under control as per RBI guidelines. Diversified Borrowing Mix 44% 41% 49% 42% 58% 13% 11% 29% 36% 1% Unutilized borrowing amounting up to INR 1194 Mn available for new lending opportunities. 40% 45% 41% 28% 23% Lending Institutions kotak Kotak Mahindra Bank State Bank of India HDFC BANK Bank of India Relationship beyond banking FY18 FY19 FY20 FY21 9M-FY22 NCD Corporate Borrowing ■ NBFC & Fl Bank Borrowing program supported by superior ratings smc Moneywise. Be wise. Rating Type Rating Rating Agency b RBL BANK Punjab National Bank DCB BANK Bank of Ma Long term bank loans CARE A(stable) CARE FEDERAL BANK sidbi केनरा बैंक Canara Bank Long term bank loans ICRA A-(stable) ICRA YOUR PERFECT BANKING PARTNER Nabkisan Finance Ltd. NCD CARE A(stable) CARE Investor Presentation IDBI BANK 28

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