Investor Presentaiton

Credit business is a mix of differentiated and scalable assets... Structured Collateralized Credit • Customized credit solutions, with high collateral cover * Loan Against Shares 2,627 SME & Others 1,755 Structured Collateralized Credit • 10% 7% 7,446 30% Distressed Assets Agri & Rural Finance 743 3% Retail Mortgage 2,918 12% Wholesale & Retail Mortgage Largest Asset Reconstruction Company in India, with more than 7 years of history in distressed assets space • Caters to wide a range of residential developers Catering to retail home buyers and business • owners Agri & Rural Financing $10 bn unorganized market; Highly scalable, unoccupied by institutional players. Includes Micro Finance solutions to clients in Tier III/IV cities and rural areas Loan Against Shares • Caters to retail customers in Capital Market Distressed Asset Wholesale Mortgage 5,860 24% 3,511 14% SME & Others • Highly scalable, focus area for future growth Credit Non Credit Insurance Distressed Asset is higher by INR 2,300 cr due to EARC (Edelweiss Asset Reconstruction Company) becoming a subsidiary Balance Sheet 22

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