rs,
- 400 051. BSE Limited Corporate Relations Department, 1st Floor, New Trading Ring, P. J. Towers, Dalal Street, Mumbai - 400 001. Symbol: L&TFH Security Code No.: 533519 Kind Attn: Head - Lis
80%
tomer-focused’ approach 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Organisation structure realigned to “customer focus” RE
25%
focused’ approach 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Organisation structure realigned to “customer focus” RETAIL
3%
ch 4 Lakshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Organisation structure realigned to “customer focus” RETAIL Rural Urban
1%
akshya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Organisation structure realigned to “customer focus” RETAIL Rural Urban CUSTOME
2.8%
ya 2026 Goals Retailisation Retail growth Asset Quality RoA >80% >25% CAGR GS3 <3% NS3 <1% 2.8% - 3% 5 Organisation structure realigned to “customer focus” RETAIL Rural Urban CUSTOMER PRO
50%
AL CUSTOMER JOURNEY Source Underwrite Collect Source Underwrite Disburse Collect App used by ~50% customers borrow only from LTFS LTFS sanction TAT: 90 secs End-to-end digital paperless journey
rs
2.5
op Up Loan Consumer Loan 2W Loyalty First Loan Top Up Home Loan Consumer Loans E-aggregators 2.5 Lac+ ~15% First Loan In Pipeline Partners Top Up Home Loan First Loan Top Up Home Loan 10
15%
sumer Loan 2W Loyalty First Loan Top Up Home Loan Consumer Loans E-aggregators 2.5 Lac+ ~15% First Loan In Pipeline Partners Top Up Home Loan First Loan Top Up Home Loan 10 Monetisa
100%
vice Assisted servicing channels Self-servicing channels l s c i t y a n a g n c v r e S i i 100% documents available on digital platforms Multi linguistic platforms Digital fulfilment refund
14%
Channel prioritization à customer engagement Jun’22 Branch/ Call center resource optimization 14% 35% 51% 58% 21% 21% Technology enabled servicing solutions to complement geo-expansion strate
35%
el prioritization à customer engagement Jun’22 Branch/ Call center resource optimization 14% 35% 51% 58% 21% 21% Technology enabled servicing solutions to complement geo-expansion strategy 1