Investor Presentaiton

Financial Performance Trends - Q2 FY18 CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution OPERATING EXPENSE AS % OF NII* COST OF BORROWING (COB)* 35.60% 34.38% 9.03% 9.22% 31.75% I 29.56% 26.69% FY-15 FY-16 FY-17 Q2 FY17 Q2 FY18 FY-15 FY-16 9.44% I 9.43% 8.95% Efficiently maintaining the quality of assets FY-17 Q2 FY17 Q2 FY18 GROSS NPA NET NPA 1.18% 1.20% 1.03% 1.04% 1.08% 1.09% 0.93% 0.95% 0.96% 0.85% FY-15 FY-16 FY-17 *Quarterly figures have been annualized. Q2 FY17 Q2 FY18 FY-15 FY-16 FY-17 Q2 FY17 Q2 FY18 SLIDE: 16

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