Capri Global Capital Limited

₹20

rating Profit PAT Cost-Income Ratio (%) NNPA (%) ROAE (%) ROAA (%) * Post capital infusion of ₹20 bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757

46.5%

NNPA (%) ROAE (%) ROAA (%) * Post capital infusion of ₹20 bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2%

1.0%

) ROAE (%) ROAA (%) * Post capital infusion of ₹20 bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115%

13.0%

E (%) ROAA (%) * Post capital infusion of ₹20 bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1

3.2%

OAA (%) * Post capital infusion of ₹20 bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bp

64.6%

bn 4,156 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,

1.2%

56 1,661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1

7.8%

661 2,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1,813

1.9%

,702 3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1,813 3,084

42%

3,115 1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1,813 3,084 2,54

38%

1,749 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1,813 3,084 2,540 1,

53%

49 46.5% 1.0% 13.0%* 3.2%* 3,013 1,089 2,650 1,452 757 64.6% 1.2% 7.8% 1.9% 42% 38% 53% 2% 115% 131% 1,815 bps 19 bps 522 bps 125 bps 228,602 3,812 1,813 3,084 2,540 1,777

“AUM Co-Lending Income As a % of non-interest income 11 Partner Banks Note: ^Net gain on derecognition of financial instruments 46 Loan Yields & Margins Higher spreads and margins Yield on Net Advances (%) 16.3% 15.6% 14.8% 14.5% FY22 FY23 FY24 FY25 Note: Calculated as (Interest on Advances) / (Avg.”

“Net Advances) Spreads (YoA – CoB) (%) 7.1% 6.2% 6.7% 6.8% FY22 FY23 FY24 FY25 Cost of Borrowings (%)1 8.4% 8.9% 7.6% FY22 FY23 Note: Calculated as (Interest Expense on Borrowings) / (Avg.”

“Interest Earning Assets FY22 FY24 9.5% FY25 8.5% FY25 Note: 1.”

“Total Assets ^Adjusted for Car Loan Origination (CLO) Commission Expense Cost-Income (%)* Increased due to significant investment in Technology, Branches and Employees 4.4% 40.2% FY22 6.8% 7.0% 63.4% 66.6% 5.7% 59.9% FY23 FY24 FY25 Cost/Income Cost (excl CLO) / AAuM *Excluding Car Loan Origination (CLO) Commission Expense 49 Financial Highlights Improving Return Metrics Operating Profit (₹ mn) Credit Costs* (₹ mn) 3,325 3.5% 4,569 3.4% 7,341 4.1% FY23 Operating Profit FY24 as a % of Avg.”

“Total Assets FY25 3,783 5.8% FY22 1,057 1.6% FY22 642 0.7% FY23 913 0.7% 1,008 0.6% FY24 FY25 Credit Cost As a % of Avg.”

“70m MSMEs have access to formal credit CAGR: ~16% 73 Rs trillion 36 FY19 FY24 FY27P Systemic Retail Credit Credit Gap Rs.”

“0.5-1m per annum income bracket NBFC credit to grow at 15-17% between FY24 and FY27 Distribution of NBFC Credit across asset classes (in Rs.”

“16.0 trillion in FY27P (CAGR of 16-18%) NBFC Market share: 37% Affordable Housing Loans (ATS <2.0 Mn): Rs.”

“9.6 trillion in FY27 comprising 23% market share of overall Housing Loan segment Industry Micro LAP Loan (<Rs 0.5mn) Industry Gold Loan NBFC Share: 44% (Rs.”

“Campaign is being promoted through a 360 degree Media plan to reach our target audience across our markets and has been well received.”

Lives Positively Impacted

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Overall Credit Demand

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Lives Positively Impacted

1,024,287 Capri’s CSR strategy stands at the intersection of purpose and performance, delivering social value through impactful, well- governed investments. Our approach is structured yet agile. It is built on identifying real needs, aligning stakeholders, and designing scalable interventions under robust monitoring and evaluation frameworks. This ensures that each initiative creates measurable and replicable change. 41 Corporate Governance Framework Board of Directors Risk Nomination & Remuneration Board Credit Committee COMMITTEES Information Security Audit Committee Asset Liability Committee ESG CSR Stakeholder Relationship Committee CRO Operational Risk Committee HIA Internal Audit 6 Independent Board of Directors including one woman Director Separate Chairman and Managing Director Zero Disciplinary Actions For Corruption and Complaints related to Conflict of Interest against Directors or KMPs* Zero Customer Complaints Pending We had 17 complaints pending as of 31st March 2025 whic

Overall Credit Demand

Rs. 138 trillion <15% of approx. 70m MSMEs have access to formal credit CAGR: ~16% 73 Rs trillion 36 FY19 FY24 FY27P Systemic Retail Credit Credit Gap Rs. 103 trillion Addressable Credit Demand 67.5 32.5 35.0 Potentially Addressable Credit Gap Formal Credit Gold Loan - large unfinanced household stock of gold Home Loan – Large unmet demand Household Gold (tonnes) Pledged (Rs trillion) Unpledged (Rs trillion) Shortage of 100Mn units by 2022 of Rs. 149 trillion value and Rs. 57 trillion financing opportunity ~25,000 12% Gold value (Rs trillion) 148 - 152 Based on gold value @~Rs 6,000/gm & ~70% LTV Formally Financed (Rs trillion) 11 - 13 88% Unfinanced (Rs trillion) 92 - 94 EWS (ATS < 0.75Mn) LIG (ATS 1.5m – 5Mn) MIG & Above (ATS > 5Mn) Shortage of Housing Units (Mn) Value of Units (Rs. trillion) Aggregate Loan Demand (Rs. trillion)* 45.0 34.0 5.0 50.0 75.0 5.0 40.0 30.0 22.0 Source: RBI data, CRISIL Reports Note: 1) Retail Credit includes small ticket loans for asset classes such as Hou