Investor Presentaiton

SMFG India Credit Pragati Ki Nayi Pehchaan Liability management AAA rated by top credit rating agencies; Diversified borrowing mix CRISIL AAA CARE Ratings AAA CR AAA India Ratings & Research Professional Risk Opinion A Fitch Group Company An S&P Global Company Diversification across instruments... Funding mix (%) NCD, 20% NHB Refinance, 1% Assignment and Securitisation, 7% PDI / Sub-debt, 5% Offshore, 10% CP, 1% Bank Loan, 56% ... and Investors Sourcing mix (%) Mutual Fund, 7% NHB, 1% DFI, 5% Insurance/Pension / Trust, 7% Foreign Investor, 11% Corporates, 1% Banks, 68% AAA Diversified Matched asset-liability tenor Adequate liquidity buffer (instruments, lenders and geography) 22

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