SBFC Finance Limited

rs,

Complex, Bandra (East), Mumbai – 400051. NSE Symbol: SBFC BSE Limited, Phiroze Jeejeebhoy Towers, 21st Floor, Dalal Street, Mumbai – 400001. BSE Equity Scrip Code: 543959 Sub: Investor Presentat

30%

me by or on behalf of the Company. 2 Executive Summary – Q3 FY25 Asset Under Management 8,148 +30% +6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Sprea

6%

or on behalf of the Company. 2 Executive Summary – Q3 FY25 Asset Under Management 8,148 +30% +6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17

2.70%

the Company. 2 Executive Summary – Q3 FY25 Asset Under Management 8,148 +30% +6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex

2%

Under Management 8,148 +30% +6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12

4%

Management 8,148 +30% +6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +1

17.81%

6% Gross NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88

8.50%

NPA 2.70% Disbursement1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88 RoAAUM

4.62%

ment1 699 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88 RoAAUM 4.49% RoATE 12.75

32 bps

99 YoY QoQ Branches 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88 RoAAUM 4.49% RoATE 12.75% +38%

66 bps

s 197 -2% +4% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88 RoAAUM 4.49% RoATE 12.75% +38% +5% +18 bps -7 bps

13 bps

% +20 +5 Yield/Spread 17.81% / 8.50% Opex to AAUM 4.62% +32 bps +1 bp +63 /+66 bps +12 / +13 bps -86 bps +2 bps PAT 88 RoAAUM 4.49% RoATE 12.75% +38% +5% +18 bps -7 bps +198 bps +8 b

Note

1

Average Ticket Size

1

Note

1. 2. 3. 4. Gross NPA% (Stage 3%) as per IND AS (including EIR adjustment). Net NPA% is as per IND AS. 1+ DPD % is for secured MSME at AUM level Collections efficiency defined for Standard Secured MSME loans as “amount of EMI received during the month, restricted to a max of 1 EMI per loan divided by EMI demand for the current month” 17 ECL Provisions Summary As on December 31, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on September 30, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on December 31, 2023 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % All figures in ₹ Cr Stage 2 199 11 188 5.61% Stage 2 212 11 201 5.18% Stage 2 241 13 229 5.21% Stage 1 6,701 38 6,663 0.56% Stage 1 6,322 35 6,287 0.56% Stage 1 5,151 32 5,119 0.62% 18 Stage 3 191 77 114 40.22% Stage 3 181 73 108 40.17% Stage 3 132 57 74 43.46% Total 7,091 126 6,965 1.77% Total 6,715 119 6,596 1.78% Total 5,524 102 5,4

Average Ticket Size

Secured MSME / LAG (Lakh)* % 2.70% GNPA YoY +32 bps % 1.63% NNPA YoY +27 bps 2,820 Tangible Net worth 251 PAT YoY +53% CRAR 38.4% Capital Adequacy 4.54% Return on AAUM YoY +57 bps 1,905 Secured MSME Disbursal Value YoY -8% 16 States & 2 UTs Pan India presence 1,64,220 # live customers 0.96% Credit Cost YoY +15 bps 9.32% Cost of Borrowing YoY -7 bps 20,212 Secured MSME Disbursal Volume YoY -5% 100% in-house Sourcing LTV 41.6% / 62.4% Secured MSME / LAG 40.22% PCR AA- (Stable) Credit rating Note: All values in ₹ Cr unless stated otherwise, All metrics as of / for 9M FY25 unless stated otherwise; 24 17.70% Yield YoY +82 bps % 8.38% Spread YoY +89 bps Summary Financial Statements – Profit & Loss Statement for Q3 FY25 Particulars Interest Income on Loans Interest Income other than on Loans Fee & Other Income Total Income Finance Cost Operating Expenses Pre-Provisioning Operating Profit Credit Cost Tax Expense Profit after Tax Basic EPS (Not Annualized) Diluted EPS (Not Annualized) All figur