Capri Global Capital Limited

rs,

sponsible for such third-party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking stat

Rs7,152

pan of 4 months, scaled up to 449 exclusive branch locations across 7 States and UTs with an AUM of Rs7,152mn in Q3 FY23. Construction Finance business focuses on lending to Affordable Housing projects in T

24%

cross North and West India with over 6,600 employees as of Q2FY23. Robust performance reflected in 24% CAGR in consolidated AUM growth and strong profitability with consolidated RoAs averaging 3.3% FY18

3.3%

ed in 24% CAGR in consolidated AUM growth and strong profitability with consolidated RoAs averaging 3.3% FY18-22. C A P R I G L O B A L 4 I Capri Global Group: Key Highlights Q3FY23 Financial Highli

INR 374

G L O B A L 4 I Capri Global Group: Key Highlights Q3FY23 Financial Highlights (Consolidated) INR 374 Mn Q3FY23 INR 86,525 Mn INR 1,398 Mn 9MFY23 INR 20,644 Mn Total AUM PAT Net Worth Geographic

INR 86,525

Capri Global Group: Key Highlights Q3FY23 Financial Highlights (Consolidated) INR 374 Mn Q3FY23 INR 86,525 Mn INR 1,398 Mn 9MFY23 INR 20,644 Mn Total AUM PAT Net Worth Geographic Expanse (Q3 FY23) 61

INR 1,398

roup: Key Highlights Q3FY23 Financial Highlights (Consolidated) INR 374 Mn Q3FY23 INR 86,525 Mn INR 1,398 Mn 9MFY23 INR 20,644 Mn Total AUM PAT Net Worth Geographic Expanse (Q3 FY23) 610 Branches 1

INR 20,644

Q3FY23 Financial Highlights (Consolidated) INR 374 Mn Q3FY23 INR 86,525 Mn INR 1,398 Mn 9MFY23 INR 20,644 Mn Total AUM PAT Net Worth Geographic Expanse (Q3 FY23) 610 Branches 15 States/Union Territo

INR 4.45

o Housing Finance • Branch network jumps to 66; Workforce count of 1,350 Journey Begins • Raised INR 4.45 Bn equity capital • Started Construction Finance Business Widening Outreach • Branch network expand

INR 10

truction Finance Business Widening Outreach • Branch network expanded to 5 states • AUM crosses INR 10 Bn • Secured Care A+ rating 2013 • I I I I I I I I ® ® • I I I I I I I I •

Rs80

Foray into Gold Loans announced in Feb’22, business launched in Aug’22 • Medium term target of Rs80bn loan book and 1,500 exclusive Gold Loan branches 2022 • I I I I I I I I Rapid Post-

INR 50

ive Gold Loan branches 2022 • I I I I I I I I Rapid Post-Covid Scale-up • AUM crossed ~INR 50 Bn • Commenced third party distribution of new car loans • Announced co-lending tie-up with SBI

“J 86,545 22% CAGR in AUM FY19- Q2FY23 31,911 34,592 19,709 20,466 12,009 7,926 1,388 FY19 9,619 8,982 1,280 FY20 25,114 11,553 8,734 3,079 22,793 17,474 16,778 12,662 3,128 1,150 7,152 3,885 1,344 FY21 FY22 9MFY23 o MSME-CL relates to off-balance sheet AUM comprising co-lending portfolio in MSME.”

“C A P R I G L O B A L 10 I AUM : Well Diversified Portfolio AUM Segmental Break Up MSME MSME-CL HF CF IL Gold Loans 3.4% 29.3% 19.3% 3.2% 23.8% 22.3% 6.4% 18.0% 23.8% 48.0% 50.7% 51.8% 4.7% 19.1% 26.3% 1.7% 48.1% • 8.3% 1.6% 19.4% 26.3% 4.5% 40.0% Gold Loan scaling up fast, medium term target of Rs80bn <c : .-...........”

“] <.::i To stay one of the fastest growing segment over medium term <..”

“❑ Comprehensive framework for project selection and credit appraisal.”

“~~ sidbi NATIONAL HOUSING BANK C A P R I G L O B A L 31 I Well Capitalized For Medium Term Growth Consolidated Networth (INR Mn) • • • • • • • • • • • • • • • CGHFL Surplus I f 13,827 ~ ·········••■■•■■•■■••·· ..............”

Product portfolio

4

Note

1

Average increase in the CIBIL scores of

1

Product portfolio

Business loan against residential, commercial or industrial properties Ticket size: INR 0.2- 20 Mn, with average ticket size of INR 1.7 Mn Tenor: Up to 15 years Security: First and exclusive charge on collateral property with clean and marketable title Housing Finance ... .. Product portfolio: Home loans for – Purchase of residential units; construction & extension renovation of homes – Plot purchase and home equity loans Ticket size: INR 0.2-15 Mn (Average ticket size of INR 1.1 Mn) Tenor: Up to 25 years Security: First and exclusive charge on mortgage property with clean and marketable title Gold Loans ..

Product portfolio

Loan against gold jewellery Ticket size: INR 3,000 to INR 3 Mn with an ATS at disbursal of INR 0.12 Mn and ATS of INR 0.12 Mn on outstanding basis. .. .•· Construction !!!!::::: __ _ Finance ··• .•..

Product portfolio

Construction-linked loans to small and mid-sized real estate developers Ticket size: INR 20-600 Mn, with average ticket size outstanding of INR 70.1 Mn Tenor: Up to 1 Year Tenor: Less than 7 Years Security: Hypothecation of gold ornaments (18 to 22 carat gold) with a minimum LTV of 75% Security: Exclusive lending with escrow mechanism, minimum 1.5x of loan outstanding. Indirect Lending

Product portfolio

Financing to other NBFCs engaged in - MSME Lending & Microfinance Fintech based NBFCs - Ticket size: INR 30-1,000 Mn at sanction and ATS Rs50mn on outstanding basis. Tenor: 1-3 Years Security: Hypothecation of receivables with a minimum 1.05x cover ~52% 15.9% ~54% 13.0% ~74% 14.5% 2X 17.7% 1.05X 13.8% Avg. LTV ... ·• ........ . Portfolio Yield* .... ·· / Avg. LTV Portfolio Yield* Avg. LTV Portfolio Yield* -:.. ........ . ' ··· ........ . Asset Cover ' · ............... . Portfolio Yield* .... •··· 19% of AUM Asset Cover Portfolio Yield* 2% of AUM 45% of AUM^ 26% of AUM^ 8% of AUM *For 9MFY23, ^ including Direct Assignment under MSME Co-Lending Mechanism 3.1%, • • AUM proportion as of Q3FY23; values rounded-off. • Gold Loan business commenced in Aug’22. C A P R I G L O B A L 9 I AUM: Growth Has Rebounded AUM Segmental Break Up (INR Mn) MSME CF HF IL MSME-CL Gold Loans r-................. :::::::::::::::: ...... ....1 41,032 40,347 [······::::::::::::::::::::::::: ............ .l 48,480

Note

o In-line with the reporting methodology being followed widely, we have shifted from reporting collection efficiency based on POS previously to one based on billing from Q3FY22. o Collection Efficiency = (Total Collections excl. Foreclosures and Prepayments) / Total Billings for the Period * 100 C A P R I G L O B A L 47 DELIVERING CONSISTENT FINANCIAL PERFORMANCE C A P R I G L O B A L 48 Over The Years… NIM (%) : Holding Up Well In Rising Rate Scenario* Cost-Income (%) : Impacted By Gold Loan Roll-out 9.8 9.5 9.5 9.1 8.5 8.5 46.6 38.4 35.2 40.1 69.5 61.3 C/I ratio 49% in 9MFY23 adjusted for the opex in gold loan vertical FY19 FY20 FY21 FY22 Q3FY23 9MFY23 FY19 FY20 FY21 FY22 Q3FY23 9MFY23 NII (INR Mn) 5,087 3,872 3,848 3,236 2,868 1,610 PAT (INR Mn) 2,050 1,612 1,770 1,357 1,398 374 FY19 FY20 FY21 FY22 Q3FY23 9MFY23 FY19 FY20 FY21 FY22 Q3FY23 9MFY23 * Calculated on Average Net Advances. C A P R I G L O B A L 49 Over The Years… Return on Average Assets (%) : Short term Impact Return on A

Average increase in the CIBIL scores of

• MSME customers was 46% • Housing Loan customers was 66% • Construction Finance customers was 5.7% Affordable Housing MSME * Social Impact Study 2019 * As of Q3FY23. C A P R I G L O B A L 58 I Contributing To Change: Our Social Impact Reports PRIGLOBAL CArlTAL LIMITCO SEEDS OF CHANGE Sm,ill .ccd . . JJi;( impacl. - Social Impact Report 2019 Seeds of Change Report For a comprehensive insight on CGCL’s Social Welfare activities and Impact Studies, visit www.capriglobal.in and select the tab Social Welfare. C A P R I G L O B A L 59 Governance : Independent Board Guides Executive Management Audit Committee Oversees Company’s financial reporting and financial information disclosure process Risk Management Committee Formulates and reviews policy on operational, IT, and people risk Nomination and Remuneration Committee Formulates and ensures adherence to policies with regard to the appointment of BoD and senior managerial personnel Stakeholders’ Relationship Committee Oversees redressal of s