25 YEARS IN INDIA: LEADING WITH IMPACT

Advances deep-dive (select products) Gold loan: The demand was driven by a sharp increase in prices; gold prices to remain range bound in FY23 NBFC Gold loan AUM grew at -13% in FY22 Share Gold loan AUM of industry: ~ 5.1 trillion Bank- 76% NBFC-24% CAGR (FY18-21) FY21-22 (YoY %) FY22-23 (YoY %) Book growth Industry - 21% 17% 13% NBFC Gold Loan AUM (INR billion) +20%* +13% 1,386 1,238 1,095 861 734 NBFCs have lost market to banks in FY21; share expected to stabilize going forward 640 E- Estimated, P- Projected Source: CRISIL Research; BCG analysis FY18 FY19 FY20 FY21 FY22P FY23P 41 Copyright 2020 by Boston Consulting Group. All rights reserved.

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