Edelweiss Financial Services Limited

rs,

EW/Sec/2023-24/153 September 26, 2023 BSE Limited P J Towers, Dalal Street, Fort, Mumbai – 400 001 National Stock Exchange of India Limited Exchange Plaza,

30%

compass 3 9 26 2 The year gone by; some wins & others in the making Nuvama demerger complete, 30% shares allotted to shareholders, listing done Ex-Insurance PAT grew 51% YoY Customer reach grows

51%

Nuvama demerger complete, 30% shares allotted to shareholders, listing done Ex-Insurance PAT grew 51% YoY Customer reach grows 36% YoY; added ~1.5 Mn customers in year Wholesale asset reduction of ~4

36%

shares allotted to shareholders, listing done Ex-Insurance PAT grew 51% YoY Customer reach grows 36% YoY; added ~1.5 Mn customers in year Wholesale asset reduction of ~40% in the year Balance sheet

40%

% YoY Customer reach grows 36% YoY; added ~1.5 Mn customers in year Wholesale asset reduction of ~40% in the year Balance sheet remains robust with well capitalised businesses and comfortable liquidit

INR 8,502

d comfortable liquidity 3 Edelweiss at a glance – Year ended Mar 23 Net Worth Ex-Insurance PAT INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liqui

INR 610

liquidity 3 Edelweiss at a glance – Year ended Mar 23 Net Worth Ex-Insurance PAT INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liquidity and Net

INR 72

weiss at a glance – Year ended Mar 23 Net Worth Ex-Insurance PAT INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liquidity and Net Debt excludes Nuv

₹1

lance – Year ended Mar 23 Net Worth Ex-Insurance PAT INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liquidity and Net Debt excludes Nuvama We

INR 16,360

Insurance PAT INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liquidity and Net Debt excludes Nuvama Wealth Management 4 Diversified with high quality

15%

INR 8,502 Cr INR 610 Cr BVPS INR 72 (FV ₹1) Net Debt Liquidity as a % of Debt INR 16,360 Cr 15% Liquidity and Net Debt excludes Nuvama Wealth Management 4 Diversified with high quality and wel

100%

Company Ltd) Edelweiss Tokio Life Insurance Company Ltd (ETLI) Equity: 614 Cr EFSL Stake: 100% Equity: 200 Cr EFSL Stake: 100% Equity: 2,794 Cr EFSL Stake: 60% Equity: 3,864 Cr EFSL Sta

Equity

7

EFSL Stake

7

DISCLAIMER

1

EFSL Stake

75% As on Mar 23 5 Year-on-Year growth in PAT EFSL ex-Insurance Asset Management Asset Reconstruction 610 405 318 177 253 67 INR Cr Credit 155 112 Mar 22 Mar 23 Mar 22 Mar 23 Mar 22 Mar 23 Mar 22 Mar 23 51% YoY 164% YoY 26% YoY 38% YoY 6 Earnings distribution across businesses Business Business Alternatives Asset Management Mutual Fund Asset Reconstruction NBFC Housing Finance General Insurance Life Insurance Wealth Management BMU & Corporate EFSL Consolidated PAT (Pre MI) (Less) Minority shareholders’ PAT EFSL Consolidated PAT (Post MI) EFSL Ex-Insurance PAT (Post MI) INR Cr Year Ended Mar 23 Mar 22 Mar 22 159 18 318 139 16 (125) (199) 132 (53) 405 61 344 610 47 20 253 98 14 (105) (206) 97 (6) 212 23 189 405 7 Robust and well capitalised balance sheets Businesses Metric Mar 23 NBFC Capital Adequacy 34.3% Housing Finance Capital Adequacy 32.0% Asset Reconstruction Capital Adequacy 47.1% Life Insurance Solvency Ratio 220% General Insurance Solvency Ratio 180% 8 FY19 to FY23 - Looking ba

DISCLAIMER

This presentation and the discussion may contain certain words or phrases that are forward - looking statements, which are tentative, based on current expectations of the management of Edelweiss Financial Services Ltd. or any of its subsidiaries and associate companies (“Edelweiss”). Actual results may vary from the forward-looking statements contained in this presentations due to various risks and uncertainties. These risks and uncertainties include the effect of economic and political conditions in India and outside India, volatility in interest rates and in the securities market, new regulations and Government policies that may impact the businesses of Edelweiss as well as the ability to implement its strategy. The information contained herein is as of the date referenced and Edelweiss does not undertake any obligation to update these statements. Edelweiss has obtained all market data and other information from sources believed to be reliable or are its internal estimates unless oth