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Investor Presentaiton

12 BREAK DOWN OF LOAN BOOK • Loan Book 3,615 6,715 4,798 4,027 Loan Spread 2.7% 2.4% 1.7% 1.8% FY17 FY18 FY19 FY 20 9M FY17 FY18 FY19 FY 20 9M NBFC is an enabler for Wealth Management Business. No Sales / Distribution Cost as all loans sourced by the Wealth RM's Loan book on 31st Dec 2019 at INR 4,027 cr was ~4.6% higher than H1 FY20 loan book of INR 3,851 cr Borrowing book (~80%+ on average) remains in the form of market linked, long dated liabilities - median cost and stable source of money The book has had zero credit losses since inception FY 20 9M Loans Disbursed Loans Repaid INR cr 5,492 6,263 Net Movement (772) IIFL WEALTH & ASSET MANAGEMENT

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