Shriram Transport Finance Company Limited has informed the Exchange regarding Investor Presentation

SHRIRAM

Commercial Vehicle Finance

GETS YOU GOING

SEC/FILING/BSE-NSE/19-20/68A-B

January 28, 2019

BSE Limited P. J. Towers, Dalai Street, Fort, Mumbai — 400 001. Scrip Code: 511218

Dear Sirs,

Sub.: Investor Update / Presentation

National Stock Exchange of India Limited Listing Department Exchange Plaza, 5th Floor, Plot no. C/I, G- Block, Bandra-Kurla Complex, Mumbai — 400 051, NSE Symbol: SRTRANSFIN

Further to our letter dt. 22/01/2019 and pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations And Disclosure Requirements) Regulations, 2015, we enclose herewith our Investor Update / Presentation.

Thanking you,

Yours faithfully,

For SHRIRAM TRANSPORT FINANCE COMPANY LIMITED

VIVEK ACHWAL COMPANY SECRETARY

Shriram Transport Finance Company Limited

Corporate Office: Wockhardl Towers, Level — 3, West Wing, C-2, G-Block, Sandra — Kuria Complex, Bandra (East), Mumbai — 400 051. Tel: +91 22 4095 9595 I Fax: +91 22 4095 9597. Registered Office: Mookambika Complex, 3'd Floor, No.4, Lady Desika Road, Mylapore, Chennal — 690 004, Tamil Nadu, India. Tel: +91 44 2499 0356 I Fax: +91 44 2499 3272. Website: www.sffc.in I Corporate Identity Number (CIN) — L65191TN1979PLC007874.

Our AUM has crossed

Cr

Just another milestone in our growth journey

Shriram Transport Finance Company Ltd Investor Update – Q3 & 9M FY2019

January 28, 2019

SHRIRAM

Transport Finance Company Limited

A WINNING RELATIONSHIP

Performance Highlights – Q3 FY19 vs Q3 FY18 (as per Ind AS)

)SHRIRAM

Transport Finance Company Urnitee

A WINNING RELATIONSHIP

Total Income

18.22%

Q3 FY19 Rs 39,934.0 mn

Q3 FY18 Rs 33,780.0 mn

Net Interest Income* *including Direct assignment Income

16.12%

Q3 FY19 Rs 20,269.1 mn

Q3 FY18 Rs 17,455.0 mn

PAT

17.34%

Q3 FY19 Rs 6,354.5 mn

Q3 FY18 Rs 5,415.4 mn

 Employee strength at 26,256 (including 16,236 field executives) in Q3 FY19 against 22,967 in Q3 FY18

EPS

17.39%

Q3 FY19 Rs 28.02

Q3 FY18 Rs 23.87

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Performance Highlights – 9M FY19 vs 9M FY18 (as per Ind AS)

Total Income

19.64%

9M FY19 Rs 116,724.6 mn

9M FY18 Rs 97,561.6 mn

Net Interest Income* *including Direct assignment Income

19.69%

9M FY19 Rs 58,986.9 mn

9M FY18 Rs 49,282.8 mn

PAT

21.29%

9M FY19 Rs 18,179.3 mn

9M FY18 Rs 14,987.8 mn

EPS

21.29%

9M FY19 Rs 80.13

9M FY18 Rs 66.06

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

3

Performance Highlights – Q3 FY19 vs Q3 FY18 (as per Ind AS)

)SHRIRAM

Transport Finance Company Urnitee

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AUM

14.13%

At-

Q3 FY19 Rs 1,038,179.4 mn

Q3 FY18 Rs 909,642.2 mn

Gross Stage 3 assets

4.26%

Q3 FY19 Rs 90,325.2 mn

Q3 FY18 Rs 94,343.4 mn

Net Stage 3 assets

3.30%

Q3 FY19 Rs 58,458.9 mn

Q3 FY18 Rs 60,456.8 mn

 CRAR at 19.72% as of Q3 FY19 compared to 15.66% as of Q3 FY18.

Book Value

24.28%

Q3 FY19 Rs 663.88

Q3 FY18 Rs 534.16

4

AUM Break-up (as per Ind AS)

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Transport Finance Company Crated

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Particulars (Rs. mn)Q3 FY18Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY189M FY19YoY (%)FY18- On Books- Loan Portfolio752,337.1824,615.1878,147.2845,331.812.36%-3.74%752,337.1845,331.812.36%800,013.7- Securitised Portfolio157,305.1180,790.6165,651.1192,847.622.59%16.42%157,305.1192,847.622.59%162,592.4Total AUM909,642.21,005,405.71,043,798.31,038,179.414.13%-0.54%909,642.21,038,179.414.13%962,606.1- New96,887.8121,371.4127,188.0120,768.324.65%-5.05%96,887.8120,768.324.65%110,424.7- Used776,874.5834,641.7860,574.0861,261.010.86%0.08%776,874.5861,261.010.86%807,841.8- Business Loans21,498.029,656.333,135.231,822.548.03%-3.96%21,498.031,822.548.03%26,112.5- Working capital loans13,481.718,949.021,709.223,649.775.42%8.94%13,481.723,649.775.42%17,417.2- Others900.2787.31,191.9677.9-24.69%-43.12%900.2677.9-24.69%809.9Total AUM909,642.21,005,405.71,043,798.31,038,179.414.13%-0.54%909,642.21,038,179.414.13%962,606.1Segment-wise Break up

)SHRIRAM

Transport Finance Company Umit.

A WINNING RELATIONSHIP

Q3 FY18

Q3 FY19

6

HCVs, 46.89%M&LCVs, 20.74%Passenger Vehicles, 23.64%Tractors, 4.08%SEFCL Equipment Finance, 0.70%Business Loans, 2.36%Others, 1.59%HCVs, 46.36%M&LCVs, 21.56%Passenger Vehicles, 22.86%Tractors, 3.70%SEFCL Equipment Finance, 0.13%Others, 2.32%Business Loan , 3.07%Branch & AUM distribution – Q3 FY19 vs Q3 FY18

)SHRIRAM

Transport Finance Company Umit.

A WINNING RELATIONSHIP

Branch (Nos)

AUM (Rs in bn)

Q3 FY18

Q3 FY18

Total Branch 1,121

Total AUM Rs 909.6 bn

Q3 FY19

Q3 FY19

Total Branch 1,348

Total AUM Rs 1,038.2 bn

7

Urban, 680Rural, 668Urban, 610Rural, 511Urban, 627.4Rural, 282.2Urban, 667.5Rural, 370.7Provision Analysis

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Transport Finance Company Crated

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Particulars (Rs. mn)Q3 FY18*Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY18*9M FY19YoY (%)FY18Gross NPA60,463.174,585.877,488.476,411.126.38%-1.39%60,463.176,411.126.38%73,763.9Net NPA17,510.521,318.522,781.722,212.426.85%-2.50%17,510.522,212.426.85%21,311.5Gross NPA (%)7.98%8.98%8.77%8.97%12.41%2.28%7.98%8.97%12.41%9.15%Net NPA (%)2.45%2.74%2.75%2.78%13.47%1.09%2.45%2.78%13.47%2.83%Coverage Ratio (%)71.04%71.42%70.60%70.93%-0.15%0.47%71.04%70.93%-0.15%71.11%Standard Assets provision2,788.23,024.63,225.43,100.811.21%-3.86%2,788.23,100.811.21%2,928.4Standard Assets provision (%)0.40%0.40%0.40%0.40%0.00%0.00%0.40%0.40%0.00%0.40%* Based on 120 dpdParticulars (Rs. mn)Q3 FY18Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY189M FY19YoY (%)FY18Gross Stage 394,343.491,573.190,924.990,325.2-4.26%-0.66%94,343.490,325.2-4.26%90,842.1ECL provision-Stage 333,886.731,178.231,131.131,866.3-5.96%2.36%33,886.731,866.3-5.96%30,953.2Net Stage 360,456.860,394.959,793.858,458.9-3.30%-2.23%60,456.858,458.9-3.30%59,888.9Gross Stage 3 (%)10.34%9.06%8.64%8.78%-15.09%1.62%10.34%8.78%-15.09%9.39%Net Stage 3 (%)6.88%6.17%5.85%5.86%-14.83%0.17%6.88%5.86%-14.83%6.40%Coverage Ratio (%) Stage 335.92%34.05%34.24%35.28%-1.78%3.04%35.92%35.28%-1.78%34.07%Gross Stage 1 & 2817,982.1918,789.2961,726.0938,749.614.76%-2.39%817,982.1938,749.614.76%876,201.3ECL provision-Stage 1 & 223,560.423,413.326,042.626,511.312.53%1.80%23,560.426,511.312.53%23,650.2Net Stage 1 & 2794,421.7895,376.0935,683.4912,238.314.83%-2.51%794,421.7912,238.314.83%852,551.1ECL provision (%) Stage 1 & 22.88%2.55%2.71%2.82%-1.95%4.29%2.88%2.82%-1.95%2.70%Well-entrenched Pan India Network

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Regional Split of Branches

ABBREVIATIONS

Zone

Zone Name

ZOADH HYDERABAD ZONE ZODHP DELHI ZONE ZOECE RANCHI ZONE ZOGRA AHMEDABAD ZONE ZONCE LUCKNOW ZONE ZONRW MUMBAI ZONE ZOSO1 CHENNAI ZONE ZOSOU BANGALORE ZONE ZOWON KOLKATA ZONE

19348 2.01m n 21,256 11,236 i00 (cid:9)

Branch Network

Branch Offices

Customers

Employees

Field Officers

Private Financiers

885

Rural Centres

9

ZOADH, 142ZODHP, 82ZOECE, 95ZOGRA, 141ZONCE, 94ZONRW, 217ZOSO1, 298ZOSOU, 194ZOWON, 85 tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

P&L Statement (as per Ind AS)

I

*Before Provisions & Contingencies ** FY18 Financials as per IGAAP

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Particulars (Rs. mn)Q3 FY18Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY189M FY19YoY (%)FY18**Interest income33,614.537,107.339,173.039,681.618.05%1.30%96,969.0115,961.919.59%121,435.5Interest expended16,159.518,887.618,674.919,412.520.13%3.95%47,686.256,975.019.48%54,090.1Net interest income17,455.018,219.720,498.120,269.116.12%-1.12%49,282.858,986.919.69%67,345.4Other Operating Income27.241.959.067.4147.79%14.24%84.5168.399.17%121.0Operating income17,482.218,261.620,557.120,336.516.33%-1.07%49,367.359,155.219.83%67,466.4Operating expenditure3,812.24,348.44,515.84,328.413.54%-4.15%10,685.413,192.623.46%14,885.3Core operating profit *13,670.013,913.216,041.316,008.117.10%-0.21%38,681.945,962.618.82%52,581.1Other income139.8143.9184.8193.438.34%4.65%506.8522.13.02%2,358.4Operating profit13,809.814,057.116,226.116,201.517.32%-0.15%39,188.746,484.718.62%54,939.5Loan Losses & Provision5,475.15,226.76,835.86,362.116.20%-6.93%16,251.718,424.613.37%31,221.2Profit before tax 8,334.78,830.49,390.39,839.418.05%4.78%22,937.028,060.122.34%23,718.3Tax Expense2,919.33,101.43,294.53,484.919.37%5.78%7,949.29,880.824.30%8,038.1Profit after tax5,415.45,729.06,095.86,354.517.34%4.24%14,987.818,179.321.29%15,680.2Other comprehensive Income (Net)-3.3-11.8-0.7-12.6281.82%1700.00%-9.8-25.1156.12%0.0Total Comprehensive Income 5,412.15,717.26,095.16,341.917.18%4.05%14,978.018,154.221.21%15,680.2EPS (Rs)23.8725.2526.8628.0217.39%4.32%66.0680.1321.30%69.11Tier I CRAR %13.76%14.34%14.27%14.96%8.72%4.84%13.76%14.96%8.72%14.24%Tier II CRAR %1.90%2.58%2.42%4.76%150.53%96.69%1.90%4.76%150.53%2.63%Total CRAR %15.66%16.92%16.69%19.72%25.93%18.15%15.66%19.72%25.93%16.87%Book Value (Rs)534.16622.32641.95663.8824.29%3.42%534.16663.8824.29%554.12Balance Sheet (as per Ind AS)

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

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Particulars (Rs. mn)Dec-17Jun-18Sep-18Dec-18YoY (%)QoQ (%)Mar-18I. ASSETSFinancial AssetsCash and cash equivalents6,794.43,626.63,726.320,704.6204.73%455.63%11,038.1Bank Balance other than above25,604.825,675.924,072.036,418.642.23%51.29%25,706.5Derivative financial instruments1,507.23,500.029,109.227,949.21754.38%-3.98%4,571.3Receivables(I) Trade Receivables45.363.771.257.426.71%-19.38%139.8(II) Other Receivables769.9808.8886.82,835.0268.23%219.69%767.7Loans851,140.9950,518.8986,594.1960,865.812.89%-2.61%907,456.2Investments23,205.224,313.823,455.834,508.548.71%47.12%23,413.6Other Financial assets460.3506.8511.4452.7-1.65%-11.48%463.6Non Financial assetsCurrent tax assets (net)840.6840.6840.6840.60.00%0.00%840.6Deferred tax assets (net)467.7356.2712.9773.065.28%8.43%521.9Investment Property21.120.920.820.7-1.90%-0.48%21.0Property, plant and equipment958.21,166.31,238.61,270.232.56%2.55%1,182.2Other Intangible assets15.024.223.821.241.33%-10.92%17.4Other non financial assets836.9641.2720.1849.81.54%18.01%588.3Total912,667.51,012,063.81,071,983.61,087,567.319.16%1.45%976,728.2Balance Sheet (as per Ind AS - Continued)

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

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Particulars (Rs. mn)Dec-17Jun-18Sep-18Dec-18YoY (%)QoQ (%)Mar-18II. Liabilities and EquityFinancial LiabilitiesDerivative financial instruments1,428.53,189.928,582.727,612.01832.94%-3.40%4,512.7Trade Payables1,707.32,159.22,255.92,542.648.93%12.71%2,197.7Debt Securities248,819.6270,305.6283,195.7292,892.317.71%3.42%279,430.7Borrowings396,044.1444,656.1459,288.6441,016.911.36%-3.98%405,980.8Deposits89,885.687,893.791,939.296,706.07.59%5.18%85,977.5Subordinated Liabilities38,535.249,188.647,511.464,846.768.28%36.49%49,919.4Other Financial liabilities6,444.56,326.36,534.95,190.3-19.46%-20.58%6,961.8Non-financial LiabilitiesCurrent tax liabilities (net)4,588.33,217.63,140.82,323.3-49.36%-26.03%2,154.1Provisions1,267.51,260.01,261.11,319.74.12%4.65%1,222.9Other non-financial liabilities2,756.12,672.42,625.02,494.9-9.48%-4.96%2,893.5EquityEquity share capital2,269.12,269.12,269.12,269.10.00%0.00%2,269.1Other equity118,921.7138,925.3143,379.2148,353.524.75%3.47%133,208.0Total912,667.51,012,063.81,071,983.61,087,567.319.16%1.45%976,728.2Key Metrics – Q3 FY19 (as per Ind AS)

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Transport Finance Company Crated

* FY18 Financials as per IGAAP

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P&L Metrics (Rs. mn)Q3 FY18Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY189M FY19YoY (%)FY18*Interest Income33,614.537,107.339,173.039,681.618.05%1.30%96,969.0115,961.919.59%121,435.5Less: Interest Expenses16,159.518,887.618,674.919,412.520.13%3.95%47,686.256,975.019.48%54,090.1Net Interest Income17,455.018,219.720,498.120,269.116.12%-1.12%49,282.858,986.919.69%67,345.4Other Income167.0185.8243.8260.856.17%6.97%591.3690.416.76%2,479.4Profit After Tax5,415.45,729.06,095.86,354.517.34%4.24%14,987.818,179.321.29%15,680.2EPS (Rs.)23.8725.2526.8628.0217.39%4.32%66.0680.1321.30%69.11Cost to income Ratio (%)20.98%23.04%21.32%20.37%-2.90%-4.47%20.73%21.52%3.83%20.59%NIM (on AUM)7.57%7.44%7.52%7.44%-1.66%-1.04%7.48%7.47%-0.20%7.50%Balance Sheet Metrics (Rs. mn)Q3 FY18Q1 FY19Q2 FY19Q3 FY19YoY (%)QoQ (%)9M FY189M FY19YoY (%)FY18Networth120,914.6140,918.2145,372.1 150,346.4 24.34%3.42%120,914.6150,346.424.34%125,444.3Book Value (Rs.)534.16622.32641.95663.8824.29%3.42%534.16663.8824.29%554.12Interest Coverage (x) 2.09 1.97 2.11 2.05 -1.66%-2.54% 2.04 2.04 0.02% 2.29 ROA (%)2.30%2.19%2.22%2.24%-2.59%0.62%2.23%2.22%-0.60%1.94%ROE (%)18.19%16.57%17.00%17.16%-5.68%0.93%17.43%16.92%-2.94%13.06%CRAR (%)15.66%16.92%16.69%19.72%25.93%18.15%15.66%19.72%25.93%16.87%Reconciliation of Net Profit between Previous GAAP & Ind AS

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Transport Finance Company Crated

V

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Particulars (Rs. mn)Jun-17Sep-17Dec-179M FY18Net profit after tax as per Previous GAAP4,486.84,791.14,956.314,234.2Adoption of Effective Interest Rate (EIR) for amortisation of income and expenses - financial assets at amortised cost-184.2163.4155.1134.3Adoption of EIR for amortisation of expenses - financial liabilities at amortised cost-104.716.779-9.0Expected Credit Loss467.9137.1247.6852.6Others-65.6-136.1-22.7-224.4Net profit/(loss) after tax as per Ind AS4,600.24,972.25,415.314,987.7Other comprehensive income (net of tax)-3.3-3.2-3.2-9.7Total comprehensive income as per Ind AS (attributable to owners of the Company)4,596.94,969.05,412.114,978.0Borrowing Profile as on Dec 31, 2018 vs Dec 31, 2017

)SHRIRAM

Transport Finance Company Umit.

A WINNING RELATIONSHIP

Rs 773.28 bn

Rs 895.46 bn

Q3 FY18

Q3 FY19

15

Public Deposit, 11.6%Term Loan, 27.5%Commercial Paper, 0.7%Subordinated debts, 5.0%Securitisation, 20.8%Bonds, 32.2%Other Borrowing, 2.2%Public Deposit, 10.8%Term Loan, 20.9%Commercial Paper6.6%(Embedded NCD 4.3%),Subordinated debts, 7.2%Securitisation, 20.0%Bonds, 32.7%Other Borrowing, 1.8%Shareholding Pattern as on Dec 31, 2018 vs Dec 31, 2017

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Transport Finance Company Umit.

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No. of shares outstanding: 226.88 mn

Q3 FY18

Q3 FY19

16

Promoter & Promoter Group, 26.08%FII & FPI , 51.34%MF/ Banks, 3.21%Public , 7.07%Other Corporate Bodies, 12.05%NRI/ OCBs, 0.25%Promoter & Promoter Group, 26.08%FII & FPI , 50.63%MF/ Banks, 4.45%Public , 6.67%Other Corporate Bodies, 12.00%NRI/ OCBs, 0.17%Has Attracted Strong Interest from Quality Investors

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Transport Finance Company Crated

 Consistent track record and high growth reputed potential institutional and private equity investors to infuse growth capital

attracted

has

 Last fund raising: Allotted 11.658 mn equity shares at Rs. 500.80 per share to Qualified Institutional Buyers (QIB) for an aggregate sum of Rs. 5.84 bn resulting in a dilution of around 5.20% to 45 marquee global as well as domestic funds and insurers, which included 22 existing investors and the rest, new investors on January 28, 2010

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Key ShareholdersCurrent Shareholding (Mn Shares) % Shriram Capital Limited59.1726.08Piramal Enterprises Limited22.609.96Sanlam Life Insurance Limited6.762.98Abu Dhabi Investment Authority -(Under sub accounts)4.041.78New World Fund Inc3.251.43Societe Generale3.201.41Stichting Depositary APG Emerging Markets Equity Pool2.951.30Government Pension Fund Global2.941.30Smallcap World Fund, Inc2.731.20Vanguard Emerging Markets Stock Index Fund, A Series 2.631.16Public & Others116.6151.40Total226.88100.00Contact Us

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For any Investor Relations queries please contact

Sanjay K. Mundra Shriram Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. +91-22-4095 9507

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About Us

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Transport Finance Company Crated

About Shriram Transport Finance Co. Ltd.

Shriram Transport Finance Co Ltd. is the largest asset financing NBFC in India with Assets on Balance sheet of Rs. 103,817.94 crores. The company is a leader in organized financing of pre-owned trucks with strategic presence in 5-10 year old trucks. It has a pan-India presence with a network of 1,348 branches, and employs 26,256 employees including 16,236 field officers. The company has built a strong customer base of approx. 2.01 mn. Over the past 39 years, it has developed strong competencies in the areas of loan origination, valuation of pre-owned trucks and collection. It has a vertically integrated business model and offers a number of products which include: Pre-owned CV financing, New CV financing and other loans like accidental repair loans, tyre loans and working capital finance, etc. For more information please visit www.stfc.in

Forward Looking Statement

Certain statements in this document with words or phrases such as “will”, “should”, etc., and similar expressions or variation of these expressions or those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements due to a number of risks or uncertainties associated with the expectations. These risks and uncertainties include, but are not limited to, our ability to successfully implement our strategy and changes in government policies. The company may, from time to time, make additional written and oral forward looking statements, including statements contained in the company’s filings with the stock exchanges and our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made from time to time by or on behalf of the company.

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Thank You