Capri Global Capital Limited

29.6%

nted our approach to both these products. FY19-FY21 Post IL&FS consolidation, Covid19 pandemic 29.6% CAGR FY18 Course correction in MSME FY16 Course correction in Construction Finance 41,032

37.5%

correction in MSME FY16 Course correction in Construction Finance 41,032 40,347 48,481 37.5% CAGR 28,583 18,166 4,260 7,362 9,510 11,106 FY21-FY23 Post-pandemic growth pick-up,

₹ 300

path, necessitating fresh capital raise in Mar’23. ❑ We are well capitalized to treble our AUM to ₹ 300bn by FY28E. Paid-up Equity & Securities premium Reserves and surplus CAR 116.9% 8,999 4,191

116.9%

treble our AUM to ₹ 300bn by FY28E. Paid-up Equity & Securities premium Reserves and surplus CAR 116.9% 8,999 4,191 9,763 4,948 10,652 11,025 11,607 12,517 5,831 6,204 6,785 7,695

₹14.4

95 13,827 15,392 9,006 10,571 FY23 First major equity fund raising in over a decade of ₹14.4bn through Rights Issue 36,067 CAR 29.4% 16,820 19,576 17,173 12,331 14,684 19,247 4

29.4%

3 First major equity fund raising in over a decade of ₹14.4bn through Rights Issue 36,067 CAR 29.4% 16,820 19,576 17,173 12,331 14,684 19,247 4,808 4,816 4,821 4,821 4,821 4,82

2.7x

In Strong and Sustained Momentum In AUM AUM Segmental Break Up (₹ Mn) AUM Segmental Break Up (%) 2.7x C A P R I G L O B A L 7 Co-Lending: Shall Emerge As A Strong Growth Driver Increasing Mix of O

2%

G L O B A L 7 Co-Lending: Shall Emerge As A Strong Growth Driver Increasing Mix of Off Book AUM 2% 3% 3% 5% 5% 6% Co-originating loans in the MSME and Affordable Housing segment with partner

3%

O B A L 7 Co-Lending: Shall Emerge As A Strong Growth Driver Increasing Mix of Off Book AUM 2% 3% 3% 5% 5% 6% Co-originating loans in the MSME and Affordable Housing segment with partner bank

5%

7 Co-Lending: Shall Emerge As A Strong Growth Driver Increasing Mix of Off Book AUM 2% 3% 3% 5% 5% 6% Co-originating loans in the MSME and Affordable Housing segment with partner banks based

6%

ending: Shall Emerge As A Strong Growth Driver Increasing Mix of Off Book AUM 2% 3% 3% 5% 5% 6% Co-originating loans in the MSME and Affordable Housing segment with partner banks based on RBI’s

98%

n the MSME and Affordable Housing segment with partner banks based on RBI’s co-lending mechanism 98% 97% 97% 95% 95% 94% Spread and loan service fee from CLPs on the co- originated loans. Cred

“FY19-FY21 Post IL&FS consolidation, Covid19 pandemic 29.6% CAGR FY18 Course correction in MSME FY16 Course correction in Construction Finance 41,032 40,347 48,481 37.5% CAGR 28,583 18,166 4,260 7,362 9,510 11,106 FY21-FY23 Post-pandemic growth pick-up, new products, break-out growth 103,204 66,329 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 *Data till FY17 pertains to loan book, FY18 onwards pertains to AUM.”

“❑ Consistent in maintaining underwriting standards: o Growth driven by volumes and not ATS inflation – Between FY18-FY23, live customer relationships have grown at 43% CAGR while AUM has grown at 31% CAGR.”

“Developing a unique communication strategy that differentiates with the target audience, creating a distinct and favorable image in their minds.”

“Adjusted for the impact of Gold Loan business, FY23 / Q1FY24 net profit would have risen 39% YoY / 88% YoY to ₹ 2,840 Mn / ₹ 865 Mn C A P R I G L O B A L 37 CGCL Consolidated Income Statement : Annual Comparison ₹ Mn except stated New businesses contributing to robust non- interest income Net Income CAGR of 24% FY19-FY23 Net profit flat in FY23 despite major expansion opex during the year.”

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

“Any opinion, estimate or projection herein constitutes a judgment as of the date of this Presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”

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1 Our Journey So Far… Rajesh Sharma Founder & Managing Director C A P R I G L O B A L 2 Decadal Growth History: We Have Grown Steadily Negotiating The Learning Curve ❑ We made two course corrections in past decade: FY16 in Construction Finance and FY18 in MSME. ❑ These course corrections were led by credit events whereafter, we reoriented our approach to both these products. FY19-FY21 Post IL&FS consolidation, Covid19 pandemic 29.6% CAGR FY18 Course correction in MSME FY16 Course correction in Construction Finance 41,032 40,347 48,481 37.5% CAGR 28,583 18,166 4,260 7,362 9,510 11,106 FY21-FY23 Post-pandemic growth pick-up, new products, break-out growth 103,204 66,329 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 *Data till FY17 pertains to loan book, FY18 onwards pertains to AUM. C A P R I G L O B A L 3 While Maintaining Granularity Across All Verticals… MSME: ATS on Portfolio (₹ Mn) Affordable Housing: ATS on Portfolio (₹ Mn) 2.6 Shifted focus to smaller ticket size loans in

Transition Model provides values for

A. Early Rollback: Incentive to field team and monitor B. Roll Forward: Legal aggressive and assigned specialized team members. NPA: A Recovery Prediction Model A. Outputs low hanging fruits as per the model. B. Legal activity. SARFAESI Tracking Tool Legal Activity TAT and Escalation Mechanism C A P R I G L O B A L 24 Field Allocation Strategy Buckets 1, 2, and 3 Transition Model NPA NPA Recovery Prediction Model ✓ Chances of higher Roll ✓ Incentivisation to field Back team ✓ Chances of Roll Forward ✓ Legal Preparation Projected NPA Recovery for the Month. ( In the pipeline ). SARFAESI Tracking Tool Legal Activity TAT and Escalation Mechanism C A P R I G L O B A L 25 Collections: State-of-the-Art Analytics Dashboard Analytics Dashboard Incentive Leader-Board Incentive performance Score Card C A P R I G L O B A L 26 Collections: Incentive Performance Score Card Analytics Dashboard Incentive Performance Score Card Incentive Leader-Board C A P R I G L O B A L 27 Collections: Incentive Lea