Investor Presentaiton

FINANCIAL SNAPSHOT in Crs YOY CA GR Financials snapshot FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY16-FY17 (10 years) Assets under management 2,478 2,539 4,032 7,573 13,107 In come from operations 503 599 916 1,406 2,172 3,110 4,073 17,517 24,061 32,410 44,229 60,194 5,418 7,333 10,003 36% 43% 36% 39% Interest expenses 170 164 201 371 746 1,206 1,573 2,248 2,927 3,803 30% 41% Net Interest Income (NII) 332 435 715 1,035 1,426 1,904 2,500 3,170 4,406 6,200 41% 38% Operating Expenses 193 220 320 460 670 850 1,151 1,428 1,898 2,564 35% 33% Loan Losses & Provision 109 164 261 205 154 182 258 385 543 818 51% 25% Profit before tax 30 51 134 370 602 872 1,091 1,357 1,965 2,818 43% 66% Profit after tax 21 34 89 247 406 591 719 898 1,279 1,837 44% 65% Ratios Opex to NII FY08 FY09 FY10 FY11 58.1% 50.6% 44.8% 44.4% FY12 FY13 FY14 FY15 FY16 FY17 47.0% 44.6% 46.0% Return on assets Return on equity Earning per share (Basic) - 7 Net NPA NPA provisioning coverage 0.9% 1.4% 2.8% 4.4% 4.2% 2.0% 3.2% 8.0% 19.7% 24.0% 0.56 0.93 2.42 6.75 11.08 7.05% 5.50% 2.20% 0.80% 0.12% 29% 32% 55% 79% 89% 45.0% 43.1% 4.1% 3.6% 3.3% 3.5% 3.7% 21.9% 19.5% 20.4% 20.9% 21.6% 13.57 14.48 17.99 24.23 34.01 0.19% 0.28% 0.45% *0.28% **0.44% 83% 76% 71% 41.4% 77% 74% As per the RBI regulations, NBFCs were required to transition to 150 dpd by March 2016 and 120 dpd by March 2017. Hence NPA numbers are not comparable *The net NPA & provisioning coverage numbers for FY16 are at 150 days over-due while the same for previous years are at 180 days over-due **The net NPA & provisioning coverage numbers for FY17 are at 120 days over-due ^ EPS numbers adjusted for bonus and split 8

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