SBFC Finance Limited

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

46%

ehalf of the Company. 2 Executive Summary 1 2 3 4 Strong Profitability Profit after tax grew 46% to ₹345 crore for the year Disciplined Growth AUM grew 28% YoY to ₹8,747 crore Resilient Credit Q

₹345 crore

f the Company. 2 Executive Summary 1 2 3 4 Strong Profitability Profit after tax grew 46% to ₹345 crore for the year Disciplined Growth AUM grew 28% YoY to ₹8,747 crore Resilient Credit Quality Gross N

28%

ong Profitability Profit after tax grew 46% to ₹345 crore for the year Disciplined Growth AUM grew 28% YoY to ₹8,747 crore Resilient Credit Quality Gross NPA at 2.74% and Cost of Credit below 1% Impro

₹8,747 crore

bility Profit after tax grew 46% to ₹345 crore for the year Disciplined Growth AUM grew 28% YoY to ₹8,747 crore Resilient Credit Quality Gross NPA at 2.74% and Cost of Credit below 1% Improving Operating Effic

2.74%

he year Disciplined Growth AUM grew 28% YoY to ₹8,747 crore Resilient Credit Quality Gross NPA at 2.74% and Cost of Credit below 1% Improving Operating Efficiency Cost-to-AUM ratio improved to 4.65%, fr

1%

grew 28% YoY to ₹8,747 crore Resilient Credit Quality Gross NPA at 2.74% and Cost of Credit below 1% Improving Operating Efficiency Cost-to-AUM ratio improved to 4.65%, from 5.34% last year 3 Exec

4.65%

at 2.74% and Cost of Credit below 1% Improving Operating Efficiency Cost-to-AUM ratio improved to 4.65%, from 5.34% last year 3 Executive Summary – Q4 FY25 Asset Under Management 8,747 +28% +7% G

5.34%

d Cost of Credit below 1% Improving Operating Efficiency Cost-to-AUM ratio improved to 4.65%, from 5.34% last year 3 Executive Summary – Q4 FY25 Asset Under Management 8,747 +28% +7% Gross NPA 2.

7%

4.65%, from 5.34% last year 3 Executive Summary – Q4 FY25 Asset Under Management 8,747 +28% +7% Gross NPA 2.74% Disbursement1 766 YoY QoQ Branches 205 +6% +10% +22 +8 Yield/Spread 1

6%

Under Management 8,747 +28% +7% Gross NPA 2.74% Disbursement1 766 YoY QoQ Branches 205 +6% +10% +22 +8 Yield/Spread 17.88% / 8.53% Opex to AAUM 4.62% +31 bps +4 bps +26 / +26 bps

10%

Management 8,747 +28% +7% Gross NPA 2.74% Disbursement1 766 YoY QoQ Branches 205 +6% +10% +22 +8 Yield/Spread 17.88% / 8.53% Opex to AAUM 4.62% +31 bps +4 bps +26 / +26 bps +7 / +

“India ratings upgraded us to ‘AA -’ Included in MSCI Global Small Cap Index CARE, ICRA Ratings Upgraded us to ‘AA-’ in Q2 FY25.”

Average Ticket Size

1

Note

1

Average Ticket Size

Secured MSME / LAG (Lakh)* % 2.74% GNPA YoY +31 bps % 1.51% NNPA YoY +15 bps 2,930 Tangible Net worth 345 PAT YoY +46% CRAR 36.1% Capital Adequacy 4.53% Return on AAUM YoY +39 bps 2,671 Secured MSME Disbursal Value YoY -4% 16 States & 2 UTs Pan India presence 1,71,325 # live customers 0.97% Credit Cost YoY +15 bps 9.33% Cost of Borrowing YoY -5 bps 28,138 Secured MSME Disbursal Volume YoY -2% 100% in-house Sourcing LTV 42.6% / 62.4% Secured MSME / LAG 45.69% PCR AA- (Stable) Credit rating Note: All values in ₹ Cr unless stated otherwise, All metrics as of / for FY25 unless stated otherwise; 5 17.75% Yield YoY +67 bps % 8.42% Spread YoY +72 bps 205 branches 164 Cities 16 States 2 UTs Executive Summary Team: Experienced, cycle-tested, professional management with strong corporate governance backed by marquee investors Focused Segment: Offering Secured MSME loan to small businesses with focus on ₹5 lakh - ₹30 lakh ticket size Opportunity: Market size (₹5 lakh - ₹30 lakh MSME financing) of

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” 19 ECL Provisions Summary As on March 31, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on December 31, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on March 31, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % All figures in ₹ Cr Stage 2 238 14 224 6.08% Stage 2 199 11 188 5.61% Stage 2 260 13 247 5.02% Stage 1 7,195 28 7,167 0.38% Stage 1 6,701 38 6,663 0.56% Stage 1 5,543 33 5,510 0.59% 20 Stage 3 209 96 113 45.69% Stage 3 191 77 114 40.22% Stage 3 144 64 80 44.74% Total 7,642 138 7,504 1.80% Total 7,091 126 6,965 1.77% Total 5,947 110 5,837 1.86