Motilal Oswal Financial Services Limited

rs,

January 28, 2025 To BSE Limited P. J. Towers, Dalal Street, Fort, Mumbai - 400001 Security Code: 532892 National Stock Exchange of India Limi

₹ 1 lakh

dividend) into the business and treasury investments. In our 37 years, we grew our net worth from ₹ 1 lakh to ₹ 11,569 cr. as on Dec’24. The upcoming years signify the convergence of our validated busines

₹ 11,569

to the business and treasury investments. In our 37 years, we grew our net worth from ₹ 1 lakh to ₹ 11,569 cr. as on Dec’24. The upcoming years signify the convergence of our validated business model, the

₹ 2,718

stor Presentation Q3FY25 & 9MFY25 Net Worth Trend Recorded the highest ever nine months profit of ₹ 2,718 Cr Total client base crossed 10 mn. 9M- FY25 ₹ 11,569 Cr Recorded the highest ever yearly profit

₹ 2,626

otal client base crossed 10 mn. 9M- FY25 ₹ 11,569 Cr Recorded the highest ever yearly profit of ₹ 2,626 Cr 2024 ₹ 8,732 Cr Crossed 1 mn customers in Wealth Management 2018 ₹ 2,886 Cr Entered into Af

₹ 8,732

rossed 10 mn. 9M- FY25 ₹ 11,569 Cr Recorded the highest ever yearly profit of ₹ 2,626 Cr 2024 ₹ 8,732 Cr Crossed 1 mn customers in Wealth Management 2018 ₹ 2,886 Cr Entered into Affordable Housing F

₹ 2,886

yearly profit of ₹ 2,626 Cr 2024 ₹ 8,732 Cr Crossed 1 mn customers in Wealth Management 2018 ₹ 2,886 Cr Entered into Affordable Housing Finance Business and started deploying free cash flows into Tre

₹ 1,170

le Housing Finance Business and started deploying free cash flows into Treasury Investments 2014 ₹ 1,170 Cr Asset Management Company launches its maiden mutual fund offering 2010 ₹ 946 Cr Goes public.

₹ 946

tments 2014 ₹ 1,170 Cr Asset Management Company launches its maiden mutual fund offering 2010 ₹ 946 Cr Goes public. The IPO was oversubscribed 26.4 times 2007 ₹ 333 Cr Capital raised through Priv

₹ 333

en mutual fund offering 2010 ₹ 946 Cr Goes public. The IPO was oversubscribed 26.4 times 2007 ₹ 333 Cr Capital raised through Private Equity. Enters into Investment Banking, Private Equity, and Weal

₹ 107

te Equity. Enters into Investment Banking, Private Equity, and Wealth Management businesses 2006 ₹ 107 Cr Started Retail & Institutional Equities 1990- 95 ₹ 10 Cr Started as a Sub-Broking Outfit -

₹ 10

d Wealth Management businesses 2006 ₹ 107 Cr Started Retail & Institutional Equities 1990- 95 ₹ 10 Cr Started as a Sub-Broking Outfit - Prudential Portfolio Services 1987 ₹ 1 lac 5 MOFSL’s Com

“New Motilal Oswal Tower in Bengaluru Inaugurated a cutting-edge facility in Bengaluru, commencing our plan to have a tower in every major city.”

MOFSL

1

Credit rating

1

MOFSL

Primed for disproportionate growth Engine #1 Operating businesses Robust Past Promising Future Operating PAT Operating PAT clocked 34% CAGR in last decade Optimistic about the future growth Investor Presentation Q3FY25 & 9MFY25 Engine #2 Treasury investments Treasury investments book Book posted 44% CAGR in the last decade* To maintain / improve the existing IRR of 20% Dividend payout 20% of operating PAT in the last decade* To maintain payout subject to working capital and business growth needs. Net worth Reported 22% CAGR in the last decade* To maintain or improve *from FY14 to FY24 8 MOFSL’s Strong Value Proposition to Clients Products Strong manufacturing capabilities • Research led Broking • Loan Against Securities • Mutual Funds • PMS • AIF (listed equities) • Private Equity Funds • Real Estate Funds • Home Loans Third-party product distribution • Insurance • Bonds • Fixed Deposits • MF • AIF & PMS • Unlisted Equities • Loans Advisory Investor Presentation Q3FY25 & 9MFY25 Wealth

Credit rating

AA Positive (by all three leading rating agencies 36 Home Finance – Strong disbursement trend continues Investor Presentation Q3FY25 & 9MFY25 Disbursement (₹ Cr.) Loan Book (₹ Cr.) Sales RM Count Retail Loan Non-Retail 1,014 3,754 476 4,321 517 1,246 856 527 394 236 3,803 3,278 Q3FY24 Q3FY25 9MFY24 9MFY25 Dec'23 Dec'24 Dec-23 Dec'24 37 Home Finance – Profitability to grow on higher RM productivity Net Worth (₹ Cr.) Net Interest Income (₹ Cr.) PAT* (₹ Cr.) 1,393 1,253 252 234 Investor Presentation Q3FY25 & 9MFY25 100 93 80 88 37 37 Dec'23 Dec'24 Q3FY24 Q3FY25 9MFY24 9MFY25 Q3FY24 Q3FY25 9MFY24 9MFY25 38 1,60 0 1,40 0 1,20 0 1,00 0 800 600 400 200 - Home Finance - Financial Parameters Investor Presentation Q3FY25 & 9MFY25 Parameters Q3FY25 Q3FY24 Q2FY25 9MFY25 9MFY24 AUM (₹ Cr) Yield COF Spread NIM Cost/Income ROA ROE CRAR Net Leverage GNPA NNPA 4,343 13.6% 8.3% 5.3% 7.6% 57.6% 3.2% 10.8% 44.3% 1.9x 1.4% 0.8% 3,781 14.2% 8.3% 5.9% 7.7% 43.7% 3.6% 12.0% 42.4% 2.0x 2.1% 1.3% 4,233 13.6% 8.