SMC Investor Presentation

9M-FY22 Key Business Trends - NBFC 9M-FY22 Lending Portfolio 8% 10% 22% 18% 3% 36% 3% ■SME-Loan Against Property (LAP) ■SME-Working Capital Term Loan (WCTL) ■Consumer Durable Loans Onward Lending ■Capial Market Funding (CMF) SME-Asset Finance Direct Assignment GNPA % & NNPA % 6.17% Disbursements (INR Mn) 3,260 smc Moneywise. Be wise. NII (INR Mn) & NIM (%) 2,850 2,730 11.80% 2,770 2,770 11.50% 11.10% 623 530 10.30% H 618 10.80% 607 447 FY18 FY19 FY20 FY21 9M-FY22 FY18 FY19 FY20 FY21 9M-FY22 4.09% 4.21% 3.66% 42% 43% 2.55% 2.55% 1.75% 1.44% 1.61% CRAR % PAT (INR Mn) 311 297 64% 61% 58% 185 164 150 0.37% FY18 FY19 FY20 GNPA% FY21 NNPA % 9M-FY22 FY18 FY19 FY20 FY21 9M-FY22 FY18 FY19 FY20 FY21 9M-FY22 (ECL provision of INR 126.7 Mn as of Q3 FY22 as per IND AS) Investor Presentation 29 29

View entire presentation