Investor Presentaiton

SMFG India Credit Pragati Ki Nayi Pehchaan Ladakh Jammu and Kashmir (1) Himachal Pradesh (5) Punjab (16) Chandigarttarakhand Rajasthan (85) (2) كم Haryana (34) Delhi(7) (13) Uttar Pradesh (48) Arunachal Pradesh Sikkim Assam (5) Nagaland Bihar (47) Meghalaya Manipur Jharkhand (4) Gujarat (70) Madhya Pradesh (77) West Bengal (46) Tripura Mizoram Chhattisgarh (35) Odisha (39) Maharashtra (92) Telangana (27) Urban Rural + HFC Lakshadweep Goa (1) Karnataka (87) Andhra Pradesh Urban + Rural (61) Tamil Nadu (110) Kerala (3) Urban Andaman and Nicobar Island. Strong Pan-India distribution network 900+ distribution points covering 25 states Geographically diversified Tier Coverage 2% 23% North 15% East 30% 915 South West 32% 28% 29% 24% 17% Metro Tier 1 Tier 2 Tier 3 Tier 4+ Tier definition based on population: Metro ->1,000k+; Tier 1-100k < 1,000k; Tier 2 - 50k< 100k; Tier 3 - 20k < 50k; Tier 4+ -< 20k 13

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