Investor Presentaiton

SMFG India Credit Pragati Ki Nayi Pehchaan Source : BCG Customer Segment & Annual Household Income No. of Households Our Market Positioning Focus on underserved segment Serviced by Affluent > INR 1,100k 36 mn (12%) Foreign & Private Banks Middle Income 59 mn (21%) INR 500k 1,100k - Lower Income INR 150k-500k Economically Weaker < INR 150k 130 mn (45%) 64 mn (22%) SMICC targets underserved segment not covered by large banks and MFIS ~13mn loans disbursed since inception; provides large cross sell/upsell opportunity SMFG India Microfinance 14

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