Investor Presentaiton

SMFG India Credit Pragati Ki Nayi Pehchaan Acronyms Short form RoE YOY AUM Assets Under Management INR Mn Bn SMICC Full name Return on Equity Year on Year Indian Rupees Million Billion SMFG India Credit Company Limited (Formerly Fullerton India Credit Company Limited) Short form LAP Full name Loan Against Property Personal Loan Small and Medium Enterprise Non Banking Financial Company Due past days Financial Year 2022-23 Financial Year 2023-24 PL SME NBFC DPD FY22-23 FY23-24 CAR Capital Adequacy Ratio SMHFC SMFG India Home Finance Company Limited (Formerly Fullerton India Home Finance Company Limited) CP NCD Net NPA ECL Net Non Performing Assets Expected credit losses DFI CSR ALM Asset Liability Management B2B MFI Microfinance Institution B2B2C MSME Micro, Small and Medium Enterprises B2B2B IT Information Technology RERA PoD X-Sell Points of Dispensing GST Cross Sell PDI ECB External Commercial Borrowing API Commercial Paper Non-convertible debentures Development Financial Institution Corporate Social Responsibility Business to Business Business to Business to Consumer Business to Business to Business Real Estate Regulatory Authority Goods and Service Tax Perpetual Debt Instrument Application Programming Interface 43

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