Arman Financial Services Limited

INR 2,304 Crore

Page 40 3 Quarterly Business Update 4 H1FY24 Performance Highlights Assets Under Management INR 2,304 Crore (+60% Y-o-Y) Provisions and write offs INR 24 Crore Cumulative Provisions stood at ~INR 77.1

60%

ly Business Update 4 H1FY24 Performance Highlights Assets Under Management INR 2,304 Crore (+60% Y-o-Y) Provisions and write offs INR 24 Crore Cumulative Provisions stood at ~INR 77.1 Crore (

INR 24 Crore

e Highlights Assets Under Management INR 2,304 Crore (+60% Y-o-Y) Provisions and write offs INR 24 Crore Cumulative Provisions stood at ~INR 77.1 Crore (covering 3.34% of the consolidated AUM, 4.01% on

INR 77.1 Crore

304 Crore (+60% Y-o-Y) Provisions and write offs INR 24 Crore Cumulative Provisions stood at ~INR 77.1 Crore (covering 3.34% of the consolidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-

3.34%

Provisions and write offs INR 24 Crore Cumulative Provisions stood at ~INR 77.1 Crore (covering 3.34% of the consolidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-o-Y) Shareholder

4.01%

24 Crore Cumulative Provisions stood at ~INR 77.1 Crore (covering 3.34% of the consolidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-o-Y) Shareholder’s Equity INR 470 Crore* CRAR

INR 1,075 Crore

s stood at ~INR 77.1 Crore (covering 3.34% of the consolidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-o-Y) Shareholder’s Equity INR 470 Crore* CRAR: Arman (Standalone): 35.15%; CRAR: Namra

63%

Crore (covering 3.34% of the consolidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-o-Y) Shareholder’s Equity INR 470 Crore* CRAR: Arman (Standalone): 35.15%; CRAR: Namra Finance

INR 470 Crore

olidated AUM, 4.01% on -book) Disbursement INR 1,075 Crore (+63% Y-o-Y) Shareholder’s Equity INR 470 Crore* CRAR: Arman (Standalone): 35.15%; CRAR: Namra Finance: 25.75% Asset Quality Return Ratios# GNPA

35.15%

nt INR 1,075 Crore (+63% Y-o-Y) Shareholder’s Equity INR 470 Crore* CRAR: Arman (Standalone): 35.15%; CRAR: Namra Finance: 25.75% Asset Quality Return Ratios# GNPA: 2.48% NNPA: 0.23% ROAA: 7.61% R

25.75%

-o-Y) Shareholder’s Equity INR 470 Crore* CRAR: Arman (Standalone): 35.15%; CRAR: Namra Finance: 25.75% Asset Quality Return Ratios# GNPA: 2.48% NNPA: 0.23% ROAA: 7.61% ROE: 35.16% Profit Before Ta

2.48%

CRAR: Arman (Standalone): 35.15%; CRAR: Namra Finance: 25.75% Asset Quality Return Ratios# GNPA: 2.48% NNPA: 0.23% ROAA: 7.61% ROE: 35.16% Profit Before Tax INR 108 Crore (+132% Y-o-Y) Collection

Average Ticket Size

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Average Ticket Size

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Company

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Investor Relations Advisors

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Average Ticket Size

INR 75,000 Ten u r e: 18-24 Mon th s Tenure: 18-24 Mon th s Tenure: 12-36 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women *% of AUM as of Sep 2023 17 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg. Ticket Size 1,945 909 247 66 45,000 ( I N R ) 46,000 1,190 540 129 22 H 1 F Y 2 3 H 1 F Y 2 4 H 1 F Y 2 3 H 1 F Y 2 4 H 1 F Y 2 3 H 1 F Y 2 4 H 1 F Y 2 3 H 1 F Y 2 4 H 1 F Y 2 3 H 1 F Y 2 4 *Includes Individual Business Loans • JLG model with small ticket loans (Avg. Ticket Size – INR 46,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores • Operations: Operations in 10 states; 309 MFI branches; 6.37 lakh active customers • Disbursement: 100% Cashless • • Credit Check: CRIF / Equifax Score; JLG Model with Training, Home Visit, Lifestyle Appraisal Collections: Cash collection at centre meeting • Operating Model: • High touch monthly

Company

Arman Financial Services Limited CIN: L55910GJ1992PLC018623 Mr. Vivek Modi Chief Financial Officer (CFO) Email : vivek@armanindia.com www.armanindia.com Thank You

Investor Relations Advisors

Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah abhishek.shah@sgapl.net +91 9930651660 www.sgapl.net 41