SUNDARMFINNSE3 February 2025

Sundaram Finance Limited has informed the Exchange regarding 'Investor Presentation'.

Sundaram Finance Limited

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PERFORMANCE HIGHLIGHTS

9MFY25

CONTENTS

Overview of Sundaram Finance

Financial results & performance

Key trends in financial performance

Consolidated results

More about Sundaram Finance

01 Overview of Sundaram Finance

OUR VISION, MISSION AND PHILOSOPHY

Vision

To be the most respected NBFC in the country

Fairplay

Service

Prudence

y t i r g e t n I

Openness

Discipline

Relationships

Growth Quality Profitability

H o n e s t y

H u

mility

Mission

To deliver the “Sundaram experience” to all our customers, big and small, in keeping with the ethos of the company

THE SUNDARAM WAY

Service To be of service even when time is against you

Discipline To know that discipline is your ally in all situations

Prudence To be the voice of prudence in the midst of chaos

Fair play To stand for fair play when the odds are stacked against you

Humility To realise that humility is the greatest virtue

Honesty To believe that honesty is the only policy

Openness To be open to scrutiny, anywhere, anytime

Integrity To put integrity about all else

Relationships To know that we are not merely the holders of people’s money; but more importantly the custodians of their trust

THE SF GROUP

AUM

Branches

50,199

9,178

16,331

76,038

711

151

152

Staff *

7,344

2,281

1,795

581

Customer count

6,03,643

31,70,093

64,754

14,19,211

Joint Venture with Ageas Insurance International NV

100% subsidiary

Group

1,51,746

1,099

12,001

52,57,701

* Includes off roll employees

STRATEGIC SOURCES OF DISTINCTIVENESS

70-year heritage of trust and prudence

Pioneer of hire-purchase finance in India

Diversified financial services group across lending, general insurance, home finance and asset management with total AUM of over Rs. 1,50,000 cr.

Lending business focused on the underserved but aspiring Indian entrepreneur (road transport operator, infrastructure contractor, small farmer, MSME owner)

Legacy of deep deposit customer connect and loyalty with 80+% renewal rate across offerings

Technology-enabled and data-powered approach to a high-touch customer approach

Consistent best-in-class asset quality performance over decades

PRODUCT OFFERINGS

Asset Finance

Commercial lending

Working capital finance

Distribution

• Cars

• Commercial vehicles

• Construction equipment

• Leasing

• NBFC

• SME

• Diesel

•

Insurance

• Tyre

• Fixed Deposits

• General insurance

• Home loans

• Tractors and farm equipment

• Supply chain financing

• Sundaram Credit Line

•

Investment services

• Used vehicles

• Life insurance

• Mutual funds

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Receivables Under Management

₹ in Crore

51,385

33,447

35,088 35,736

33,774

39,950

28,648

24,036

20,699

17,645 18,158 18,734

15,540

12,354

4,488

5,452

7,327

8,925

9,204 10,219

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

PAT

₹ in Crore

1,454

120

1,088

1,334

1,126

522

903

809

724 53

171

100

213 77

151

227 26

295 39

256

355

410

443

454 26

477 41

563

495

436

495

563

604

671

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24

Exceptional item

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Market Capitalization

₹ in Crore

45,983

28,560

25,548

21,560

16,859

14,450

17,940 18,634

17,318

13,366

782

1,078 1,099 1,602

917

2,096 2,722 3,645

7,359

5,265

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Core Return on Equity %*

28.3

26.8

23.5

18.8

19.5

17.0

15.5

18.0

15.3

19.9

19.3

18.2

18.5

16.5

16.3

16.5

14.9

13.0

12.6

Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24

ROE% 12.6

22.8

11.9

22.1

13.7

18.4

20.7

21.4

21.2

19.7

17.6

15.2

14.0

14.3

24.5

13.7

13.8

14.9

17.5

* Core ROE (excluding investments in subsidiaries)

02 Financial results & performance

OVERALL HIGHLIGHTS OF FINANCIAL PERFORMANCE

As of 31st December 2024

AUM

Gross Stage 3

Cost-to-income

₹50,199 Crores

1.70%

31.37%

ROA

2.49%

ROE

14.3%*

19.0% up from Dec 23

1.77% in Dec 23

35.12% in 9MFY24

2.79% in 9MFY24

15.5% in 9MFY24

*Core ROE (excluding investments in subsidiaries) at 17.9% vs. 17.2%

140% interim dividend (₹ 14/- per share) declared

14 14

HIGHLIGHTS – GROWTH OF 19% IN ASSETS UNDER MANAGEMENT

Overall, Q3 FY25, while an improvement from Q2 FY25, has been a period below expectations as far as economic activity is concerned. Industry sales in segments and geographies we operate in were flat to declining compared to last year and well below expectations. MHICV TIV has declined 13.9% in Q3 YOY (and 9.3% YTD) and retail CVs are flat in Q3 YOY (and down 5% YTD). Tractors had a good Q3 with market sales up 17% YOY (and 3.4% YTD) as did cars with market sales up 7.9% in Q3 (and 2.7% YTD).

Our Q3FY25 disbursements grew 19% YOY while 9MFY25 disbursements grew 8% over 9MFY24 and assets under management grew 19% over 9MFY24, with market share being extended or retained in nearly all asset classes.

Disbursements for Q3 disbursements were up 19% over same period last year while 9MFY25 recorded a growth of 8% to ₹21,532 crores as compared to ₹19,954 crores registered in the corresponding period of the previous year.

The assets under management stood at ₹50,199 crores as on 31st December 2024 as against ₹42,172 crores as on 31st December 2023, registering a 19% increase year-on-year.

Net interest income grew 21.4% to ₹2,040 crores in 9MFY25 from ₹1,681 crores in 9MFY24.

HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST

Our asset quality continued to remain best-in-class with continuing improvement in collections & recovery activity despite significant asset quality concerns system-wide, particularly in the microfinance and unsecured personal lending segments. Current collections are at our traditional levels and Gross Stage 3 assets continued to improve.

Current collections performance is at 91%.

Gross stage 3 assets as on 31st December 2024 stood at 1.70% with provision cover of 43% when compared to 1.77% with 43% provision cover as of 31st December 2023.

Net stage 3 assets as on 31st December 2024 closed at 0.97% as against 1.02% as on 31st December 2023.

The Gross and Net NPA, as per RBI’s asset classification norms, are 2.46% and 1.62% respectively as against 2.61% and 1.82% as of 31st December 2023.

HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY

Profits from operations grew 22% in 9MFY25 compared to last year due to growth of AUM, meaningful improvements in yields, meticulous management of our cost of borrowing consistent with our “AAA” rating and tight control on operating costs. We are ensuring prudent focus on asset class mix as well as customer segment mix to optimize our margin.

Profit from operations (including impairment provisions) increased by 22% in 9MFY25 as compared to 9MFY24.

Cost to income ratio closed at 31.37% in 9MFY25 as against 35.12% in 9MFY24.

Profit after tax at ₹ 997 crores during 9MFY25 as against ₹ 948 crores during 9MFY24, up by 5% primarily due to a shift in timing of dividends in the prior period. (₹43 crores in 9MFY25 vs ₹181 crores in 9MFY24).

Return on assets (ROA) for 9MFY25 closed at 2.49% as against 2.79% for 9MFY24.

Return of equity (ROE) was at 14.3% for 9MFY25 as against 15.5% for 9MFY24.

If we exclude investments in subsidiaries and group companies, core ROE was at 17.9% for 9MFY25 as against 17.2% for 9MFY24.

PROFIT & LOSS STATEMENT

FY24

Particulars

Q3FY24

Q3FY25

Q2FY25

9MFY24

9MFY25

₹ in Crore

Revenue From Operations*

1,321

1,616

1,547

3,662

4,588

5,041

346

5,401

2,576

854

274

3,704

1,697

134

1,454

Dividend Income

Other Income

Total Revenue

Finance cost

Operating expenses

Impairment

Total Expenses

Profit Before Exceptional Item and Tax

Exceptional Item

Profit After Tax

*Revenue from operations is net of depreciation on operating lease.

1,327

1,632

1,583

694

222

937

390

300

835

239

811

229

1,165

1,118

467

349

465

340

181

3,859

1,852

640

136

2,628

1,231

948

4,666

2,403

685

243

3,331

1,335

997

BALANCE SHEET

31-Mar-24

Particulars

31-Dec-23

31-Dec-24

₹ in Crore

Equity and Liabilities

41,431

Financial Liabilities

Non-Financial Liabilities

9,472

50,988

49,942

1,046

50,988

Equity

Total – Equity and Liabilities

Assets

Financial Assets

Non-Financial Assets

Total – Assets

40,805

46,933

8,521

49,391

48,228

1,163

49,391

103

10,742

57,778

56,786

992

57,778

03 Key trends in financial performance

FINANCIAL SUMMARY

Year

Paid-up Capital

Networth

Disbursements

Receivables Under Management

Mar-14

Mar-15

Mar-16

Mar-17

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

111

2,405

2,978

3,313

3,746

4,134

5,044

5,547

6,179

6,893

7,737

9,472

9,719

10,012

11,444

13,218

15,712

17,170

15,175

11,742

13,275

20,966

26,163

Dec-23 Dec-24

8,521 10,742 *Adjusted for demerger ₹460.57 Cr, # Includes special dividend of 50%. @ Excludes exceptional item, Market Capitalisation is on the last day of respective period ends & Interim Dividend

111 111

19,954 21,532

18,158

18,734

20,699

24,036

28,648

33,447

35,088

35,736

33,774

39,950

51,385

49,283 58,660

PAT

443

454

477

*495

563

@604

724

809

903

1,088

@1,334

948 997

₹ in Crore

Dividend %

Market Capitalisation

100

105

110

115

120

#175

130

180

200

270

300

&140 &140

7,359

16,859

14,450

17,940

18,634

17,318

13,366

28,560

21,560

25,548

45,983

38,979 46,038

DISBURSEMENTS AND AUM

Disbursements

26,163

20,966

15,175

13,275

11,742

₹ in Crore

50,199

AUM

34,552

43,987

42,172

21,532

7764

19,954

6524

6941

6860

6489

6908

29,936

30,882

29,532

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Growth -11.6%

-22.6%

13.1%

57.9%

24.8%

27.0%

7.9%

Growth

3.3%

3.2%

-4.4%

17.0%

27.3%

25.7%

19.0%

DISBURSEMENTS

Asset wise

Dec-23

3.2%

7.1%

7.6%

25.1%

11.3%

₹ 19,954 Cr.

21.4%

24.3%

Used Assets – 22.6%

4.6%

13.5%

Region wise

29.4%

₹ 19,954 Cr.

52.5%

ICV, LCV and SCV as Retail CV

Dec-24

4.1%

10.6%

23.2%

7.1%

10.8%

₹ 21,532 Cr.

MHCV

Retail CV

Cars

Construction Equipment

20.0%

Tractors

24.2%

Commercial Lending

Used Assets – 22.8%

4.3%

12.8%

₹ 21,532 Cr.

54.6%

28.3%

Others

South

North

West

East

AUM

Asset wise

Dec-23

4.8%

6.1%

7.6%

24.3%

10.6%

₹ 42,172 Cr.

21.9%

24.7%

Used Assets – 18.4%

4.5%

13.5%

Region wise

28.0%

₹ 42,172 Cr.

54.0%

₹ 50,199 Cr.

54.4%

28.2%

ICV, LCV and SCV as Retail CV

Dec-24

5.3%

7.5%

7.1%

24.1%

MHCV

Retail CV

Cars

10.6%

₹ 50,199 Cr.

Construction Equipment

20.9%

Tractors

24.5%

Used Assets – 18.5%

4.3%

13.1%

Commercial Lending

Others

South

North

West

East

BRANCH NETWORK

Dec-23

220

Dec-24

352

360

217

No. of Branches: 704

No. of Staffs: 7,677

No. of Branches: 711

No. of Staffs: 7,344

South

North

West

East

Commercial Lending

PORTFOLIO QUALITY

Gross Stage 3%

Net Stage 3%

2.47%

2.19%

1.84%

1.66%

1.77%

1.70%

1.65%

1.26%

1.01%

1.07%

0.86%

0.63%

1.02%

0.97%

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

FUNDING MIX

₹ 29,007 Cr. 7.7%

13.2%

16.7%

45.7%

₹ 29,251 Cr. 2.5% 14.3%

11.3%

19.9%

₹ 28,297 Cr.

0.0%

15.1%

11.0%

19.9%

52.0%

54.0%

₹ 32,915 Cr. 6.8%

₹ 40,941 Cr. 4.7%

14.8%

11.4%

25.9%

41.1%

14.2%

11.5%

35.8%

33.8%

₹ 40,340 Cr.

₹ 46,386 Cr.

11.0%

13.9%

10.5%

34.8%

10.4%

13.6%

10.7%

35.6%

29.8%

29.7%

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Debentures

Bank Borrowings*

Securitisation

Deposits

Commercial Paper

* Includes a) Term loans b) Commercial Papers and demand loans availed against the sanctioned limits.

PAT & ROA

Profit after Tax

Return on Assets - %

₹ in Crore

1,088

903

809

724 53

671

1,454

120

1,334

948

300

997

349

367

340

281

308

3.2

2.8

2.5

2.3 #

2.0 #

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Mar-20 Mar-21 Mar-22 Mar-23 Mar-24

Dec-23

Dec-24

EPS (₹)

65.2

72.8

81.3

98.0

130.9

85.3

89.7

Exceptional Item

# adjusted for exceptional item

NET WORTH

Net worth

10,742

9,472

8,521

7,737

6,893

5,547

6,179

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Book Value (₹)

499.3

556.2

620.4

696.4

852.5

766.9

966.8

₹ in Crore

LEVERAGE AND CAPITAL ADEQUACY

Leverage

Capital adequacy

4.9

4.6

4.7

4.3

4.2

4.0

24.4%

22.8%

22.1%

18.4%

20.5%

20.0%

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

04 Consolidated results

CONSOLIDATED RESULTS

Profit after Tax

Net Worth

1,436

1,328

1,165

1,173

792

1,326

455

436

435

1,168

427

366

375

9,920

8,795

7,730

6,677

₹ in Crore

12,757

11,078

11,116

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24

Dec-23

Dec-24

EPS (₹)

71.9

105.7

106.5

120.5

130.3

106.0

120.4

Book Value(₹)

606.1

701.6

798.2

900.2

1005.3

1008.9

1157.5

CONSOLIDATED RESULTS

Particulars

Share of Net Worth

Sundaram Finance Ltd. Subsidiaries:

Sundaram Home Finance Ltd.

Sundaram Finance Holdings Ltd. (Consolidated)* Sundaram Asset Management Company Ltd. (Consolidated) Sundaram Fund Services Ltd. Sundaram Finance Employees Welfare Trust Sundaram Trustee Company Ltd. LGF Services Ltd. Joint Control Entities: Royal Sundaram General Insurance Co. Ltd.

Adjustment arising out of Consolidation

Total

31-Dec-23 8,521

1,883

1,055 489 1 21 4 3

808

(1,669)

11,116

31-Dec-24 10,742

2,053

- 546 1 58 4 3

910

(1,560)

12,757

₹ in Crore

Share in Profit

9MFY24 948

9MFY25 997

179

62 74 - 1 1 -

(186)

1,168

173

- 107 - 2 2 -

(22)

1,326

* Sundaram Finance Holdings Limited ceased to be a subsidiary of the Group during the quarter ended March 2024. Consequently, the Company started recognizing this investment at fair value through other comprehensive income as per IND AS 109 from the quarter ended March 2024. Accordingly, the total comprehensive income for the nine months ended December 2024 is not comparable with that of the corresponding previous year period.

SUNDARAM HOME FINANCE

FY24

Particulars

Q3FY25

Q2FY25

Q3FY24

9MFY25

9MFY24

5,029 50.9% 49.1% 13,812 61.0% 39.0% 235.8 23.29 1,880 185.70 1.2% 0.5% 20.3% 138 1,548 61,568

Disbursements (₹ in Crore)

Housing Non-Housing AUM (₹ in Crore)

Housing Non-Housing PAT (₹ in Crore) EPS (₹) (Annualized)

Net worth (₹ in Crore) Book Value (₹)

Gross Stage 3% Net Stage 3% CAR Branches Staffs Customers

1,692 52.5% 47.5% 16,331 59.2% 40.8% 62.6 24.71 2,053 202.72 1.3% 0.7% 19.3% 152 1,795 64,754

1,543 50.8% 49.2% 15,405 60.9% 39.1% 44.2 17.44 1,990 196.52 1.2% 0.6% 19.5% 146 1,692 63,653

1,252 53.2% 46.8% 12,973 61.7% 38.3% 62.3 24.60 1,883 186.00 1.3% 0.6% 20.3% 138 1,461 60,014

4,588 52.4% 47.6% 16,331 59.2% 40.8% 173.1 22.79 2,053 202.72 1.3% 0.7% 19.3% 152 1,795 64,754

3,559 50.4% 49.6% 12,973 61.7% 38.3% 179.0 23.57 1,883 186.00 1.3% 0.6% 20.3% 138 1,461 60,014

Particulars

Q3FY25

Q2FY25

Q3FY24

9MFY25

9MFY24

ROYAL SUNDARAM

FY24

3,825

8,673

169

230

1,642

115%

161

Gross Written Premium (₹ in Crore)

AUM (₹ in Crore)

PAT (₹ in Crore)

Other Comprehensive Income (Net of Taxes)

Total Comprehensive Income

Net worth (₹ in Crore)

Combined Operating Ratio

Branches

2,708

Staffs

30,33,437

Customers

912

9,178

(6)

1,821

115%

151

2,281

939

9,078

131

1,818

112%

157

2,388

974

8,513

1,616

116%

161

2,804

2,965

9,178

134

210

1,821

114%

151

2,281

2,792

8,513

178

205

1,616

114%

161

2,804

31,70,093

31,37,285

31,20,574

31,70,093

31,20,574

SUNDARAM ASSET MANAGEMENT

FY24

Particulars

Q3FY25

Q2FY25

Q3FY24

9MFY25

9MFY24

70,883

AUM (₹ in Crores)

76,038

76,845

67,272

76,038

67,272

61,241

Equity (₹ in Crores)

62,625

65,213

57,784

62,625

57,784

9,642

Debt (₹ in Crores)

13,413

11,632

9,488

13,413

9,488

112

431

555

PAT (₹ in Crores)

Net worth (₹ in Crores)

Staffs

546

581

511

576

489

551

107

546

581

489

551

13,49,667

Retail Investors

14,19,211

14,03,146

12,92,511

14,19,211

12,92,511

Branches

05 More about Sundaram Finance

SHAREHOLDING PATTERN

31-Dec-23

31-Dec-24

Top institutional shareholders As of 31st December 2024

Name of Shareholder

Share %

32.3%

3.3%

37.9%

32.8%

2.5%

13.0%

13.5%

5.4%

22.1%

Promoters

Mutual Funds & AIFs

FIIs/FPIs and NRIs

Banks, Financial Institutions & Insurance Companies

Public

Nalanda India Equity Fund Limited

Bright Star Investments Private Limited

37.2%

SBI Mutual Fund

Axis Mutual Fund

United India Insurance Company Limited

Damani Estate and Finance Private Limited

HDFC Life Insurance Company Limited

Vanguard Total International Stock Index Fund

Vanguard Emerging Markets Stocks Index Fund

Pari Washington India Master Fund Limited

3.62

2.37

1.36

1.28

1.13

0.93

0.92

0.85

0.78

0.77

CREDIT RATINGS

Instrument

Deposits

Debentures

ICRA

CRISIL

AAA (Stable)

Subordinated Debentures

AAA (Stable)

Long Term Loans

AAA (Stable)

Working Capital Facilities

AAA (Stable)

Commercial Paper

Short Term Loans

A1+

SHARE PRICE MOVEMENT

Indexed share price and Nifty from December 2019

9 1 - c e D

0 2 - r a M

0 2 - n u J

0 2 - p e S

0 2 - c e D

1 2 - r a M

1 2 - n u J

1 2 - p e S

1 2 - c e D

2 2 - r a M

2 2 - n u J

2 2 - p e S

2 2 - c e D

3 2 - r a M

3 2 - n u J

3 2 - p e S

3 2 - c e D

4 2 - r a M

4 2 - n u J

4 2 - p e S

4 2 - c e D

SFL Closing Share Price

S & P CNX Nifty

254.06

194.32

SUBSIDIARIES & JOINT VENTURES

Subsidiaries

• Sundaram Home Finance Limited

• Sundaram Asset Management Company Limited

• Sundaram Asset Management Singapore Pte. Limited

• Sundaram Trustee Company Limited

• Sundaram Alternate Assets Limited

• Sundaram Fund Services Limited

•

LGF Services Limited

Joint Venture • Royal Sundaram General Insurance Co. Limited

BOARD OF DIRECTORS

Sri S. Viji Chairman

Sri T. T. Srinivasaraghavan Non-executive Director

Sri Srivats Ram Non-executive Director

Has over 5 decades of experience in Banking, Finance, Insurance and Automotive Component Manufacturing Industry. He is the Executive Vice Chairman of Brakes India Private Limited.

B.Com. ACA MBA (University of Michigan, USA)

Has over 4 decades of experience in Banking and Financial Services. He served as the Managing Director of the company for a period of 18 years.

Has nearly 3 decades of rich experience in auto component manufacturing industry. He is the Managing Director of Wheels India Limited.

B.Com. MBA (Gannon University, Pennsylvania)

BA (Economics) MBA (Case Western Reserve University, USA)

Sri Raghuttama Rao Raghavendra Independent Director

Sri L. Ganesh Independent Director

Has over 3 decades of work experience spanning Manufacturing, Financial Markets, Public Policy and Management Consulting. Currently CEO of GDC at IIT Madras. Formerly, MD of IMaCS and Joint Managing Director of ICRA.

Has over 4 decades of Industrial experience in and overall management of the companies. He is the Chairman of Rane Holdings Limited, one of the acknowledged leaders in the auto component industry since 2006.

B.Tech. (Mech. Engg.) – IIT Madras CMA – ICWAI P.G.D.M. – IIM Ahmedabad

MBA (Pennsylvania State University, USA) ACA

Ms Bhavani Balasubramanian Independent Director

Has over 4 decades of audit experience including overseas experience. Formerly a partner of Fraser & Ross and Deloitte Haskins & Sells, with extensive experience in auditing a variety of clients, including listed companies and multinationals in different industries in India and abroad.

FCA ACS

BOARD OF DIRECTORS

Dr. Kshama Fernandes Independent Director

Sri R. Venkatraman Independent Director

Ms Anuradha Rao Independent Director

Has nearly 3 decades of experience spanning across management, risk advisory and academia. She is the Non- executive Vice Chairperson of the Northern Arc Group and Executive Chairperson of Northern Arc Investment Managers.

PhD Finance

Has close to 4 decades of experience in consulting and advisory services across various industries. He was the head of KPMG India’s consulting practice, and the co-head of their risk advisory services. He was also a partner at AT Kearney and Andersen Business Consulting. He is also a visiting professor at Indian Institute of Management, Trichy.

BE (Mechanical) - Birla Institute of Technology, MBA /PGDM - IIM Bangalore

Has nearly 4 decades of experience in Banking and Finance. Formerly served as Deputy Managing Director of State Bank of India. She also served as the Managing Director and Chief Executive Officer of SBI Funds Management Private Limited.

B.Sc. (Osmania University) M.Sc. (Physics) – University of Hyderabad CAIIB

Sri Harsha Viji Executive Vice Chairman

Sri Rajiv C. Lochan Managing Director

Sri A. N. Raju Deputy Managing Director

Has more than 2 decades of experience in areas of specialisation particularly, strategy formulation, joint venture negotiations, new business development. Formerly with McKinsey & Company and PriceWaterhouse.

Has nearly 3 decades of experience field of management especially in the areas of finance, social sector, and public health. Formerly MD & CEO of The Hindu Group and Partner at McKinsey & Company.

the

B.Com. ACA MBA (Ann Arbor, Michigan)

B.Tech. (IIT, Madras) MS (MIT) MBA (Columbia Business School)

Has nearly 4 decades of experience in the Automobile, Engineering, Finance and General Management. Formerly with GE Capital & SRF Group.

BSc (Engineering) MBA

KEY MANAGERIAL PERSONNEL

Sri M. Ramaswamy Chief Financial Officer

Sri P. N. Srikant Chief Compliance Officer & Company Secretary

He has nearly 4 decades of experience in the Company. He is the Chief Financial Officer of the Company from September 2011. He is responsible for the Treasury Management, Financial Planning & Accounting, Taxation and Regulatory Compliance. He is a member of the Risk Management Committee and Asset Liability Management Committee of the Company.

He has nearly 3 decades of experience in the Company/Group. He is the Chief for statutory Compliance Officer & Company Secretary and responsible compliance in respect of all laws and regulations applicable to the Company, including Company Law, SEBI and RBI. He liaises with the Board Members in connection with all Board related actions in the Company.

B.Sc. (Statistics) ACA

B.Com (H) ACS PGDFM

This document is for information purposes only and is not and does not form part of an invitation/ offer/advertisement/advise to purchase or sell any securities of the Company.

The materials and information contained in the document are prepared by the Company and are correct and accurate, to the best of our knowledge. No information contained herein has been independently verified by anyone else or approved by any regulatory authorities. No warranty is given as to their accuracy and the company does not accept any responsibility and shall not be liable for any direct or indirect loss caused, arising from and/or use of this document.

Forward-looking statements, if any, are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant statement.

The contents of the website are subject to changes and reviews from time to time without notice. By accessing the site, you are deemed to accept the disclaimer clause.

Sri M. Ramaswamy Chief Financial Officer Sundaram Finance Limited 21, Patullos Road Chennai – 600002

Sri P. N. Srikant Chief Compliance Officer & Company Secretary Sundaram Finance Limited 21, Patullos Road Chennai – 600002

044 – 28881341 m.ramaswamy@sundaramfinance.in

044 – 28881207 pnsrik@sundaramfinance.in

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