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Investor Presentaiton

Capital Trust 2.0: A Clean Slate 1. Remaining Portfolio High quality, seasoned AUM with 1% GNPA and 0% NNPA *120 Cr CDL product with good portfolio performance and 30 Cr legacy product I I I with minimum potential of forthcoming losses | I 2. Pioneers in Technological Advancements By leveraging technology to penetrate underserved segments, we have capitalized on the inability of banks to rapidly scale operations and customize rigid policies in regard to providing business loans in rural India Capital Trust Capital 閨 • 3. Hybrid Dual Credit Automated credit (credit bureau checks and preset algorithms) supplemented with Traditional Safeguards of Branch Banking (physical verification of residence, business premise and cash flow analysis) ☑ Trust 2.0 22 I 1 • 4. Lending-As-A-Service With the inherent potential to disburse upwards of Rs. 60Cr monthly through its existing branch network, Capital Trust is employing Lending-As-A-Service as a model for growth 6 partnerships live with more expected soon
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