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

SHRIRAM

Transport Finance Company Larded

A WINNING RELATIONSHIP

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

May 08, 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/1, G- Block, Bandra-Kurla Complex, Mumbai — 400 051. NSE Symbol: SRTRANSFIN

Further to our letter dt. 02/05/2019 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: Wockhardt Towers, Level — 3, West Wing, C-2, G-Block, Bandra — Kurla Complex, Bandra (East), Mumbai — 402 051. Tel: +91 22 4095 9595 1 Fax: +91 22 4095 9597. Registered Office: Mookarebika Complex. 3'd Floor, No.4, Lady Desika Road, Mylapore, Chennai —600 D04, Tamil Nadu, India. Tel: +91 44 2499 0356 I Fax, +91 44 2499 3272. Website: www.slfc.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 – Q4 & FY2019

May 08, 2019

SHRIRAM

Transport Finance Company Limited

A WINNING RELATIONSHIP

Performance Highlights – FY19 vs FY18

)SHRIRAM

Transport Finance Company Urnitee

A WINNING RELATIONSHIP

Total Income

16.35%

FY19

FY18

Rs 155,457.0 mn

Rs 133,616.4 mn

Net Interest Income* 15.07% *including Direct assignment Income Rs. 16.2 Mn

( FY 18 Rs. Nil )

PAT 4.20% # includes Rs.1,098.2 Mn tax adjustment for earlier years

*including Rs. 1,075.0 Mn (Net of taxes) of profit

on stake sale of subsidiary

FY19

FY18

Rs 78,075.4 mn

Rs 67,852.4 mn

FY19

FY18

Rs 25,639.9 mn #

Rs 24,605.4 mn*

 Cost to income ratio at 21.49% in FY19 as compared to 20.63% in FY18

EPS

4.20%

FY19

FY18

Rs 113.01

Rs 108.45

2

Performance Highlights – Q4 FY19 vs Q4 FY18

)SHRIRAM

Transport Finance Company Urnitee

A WINNING RELATIONSHIP

Total Income

7.63%

Q4 FY19 Rs 38,804.3 mn

Q4 FY18 Rs 36,054.7 mn

Net Interest Income* 2.76% *including Direct assignment Income Rs. 13.4 Mn

(Q4 FY 18 Rs Nil)

PAT # includes Rs.1,098.2 Mn tax adjustment for earlier years

22.43%

*including Rs. 1,075.0 Mn (Net of taxes) of

profit on stake sale of subsidiary EPS

22.43%

Q4 FY19 Rs 19,058.6 mn

Q4 FY18 Rs 18,546.3 mn

Q4 FY19 Rs 7,460.4 mn #

Q4 FY18 Rs 9,617.6 mn*

Q4 FY19 Rs 32.88

Q4 FY18 Rs 42.39

 Employee strength at 26,630 (including 16,280 field executives) in Q4 FY19 against 23,819 in Q4 FY18

3

Performance Highlights – Q4 FY19 vs Q4 FY18

)SHRIRAM

Transport Finance Company Urnitee

A WINNING RELATIONSHIP

AUM

8.54%

At-

Q4 FY19 Rs 1,044,822.9 mn

Q4 FY18 Rs 962,606.1 mn

Gross Stage 3 assets

5.09%

Q4 FY19 Rs 86,222.7 mn

Q4 FY18 Rs 90,842.1 mn

Net Stage 3 assets

5.57%

Q4 FY19 Rs 56,552.7 mn

Q4 FY18 Rs 59,888.9 mn

 CRAR at 20.27% as of Q4 FY19 compared to 17.38% as of Q4 FY18.

Book Value

16.65%

Q4 FY19 Rs 697.99

Q4 FY18 Rs 598.35

4

AUM Break-up

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

*Off Books pertains Direct assignment portfolio

5

Particulars (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18FY19YoY (%)Loan Portfolio- On Books Balance sheet assets800,013.7824,615.1878,147.2845,331.8850,847.36.35%0.65%800,013.7850,847.36.35%Securitised assets161,970.4180,410.6165,415.9175,633.3172,227.76.33%-1.94%161,970.4172,227.76.33%Total On books961,984.11,005,025.71,043,563.11,020,965.11,023,075.06.35%0.21%961,984.11,023,075.06.35%- Off Books*622.0380.0235.217,214.321,747.93396.45%26.34%622.021,747.93396.45%Total AUM962,606.11,005,405.71,043,798.31,038,179.41,044,822.98.54%0.64%962,606.11,044,822.98.54%- New110,424.7121,371.4127,188.0120,768.3115,940.85.00%-4.00%110,424.7115,940.85.00%- Used807,841.8834,641.7860,574.0861,261.0870,499.77.76%1.07%807,841.8870,499.77.76%- Business Loans26,112.529,656.333,135.231,822.529,710.313.78%-6.64%26,112.529,710.313.78%- Working capital loans17,417.218,949.021,709.223,649.728,073.161.18%18.70%17,417.228,073.161.18%- Others809.9787.31,191.9677.9599.0-26.04%-11.64%809.9599.0-26.04%Total AUM962,606.11,005,405.71,043,798.31,038,179.41,044,822.98.54%0.64%962,606.11,044,822.98.54%Segment-wise Break up

"SHRIRAM

Trerepoa Fnance Gmpany amass

A WINNING RELATIONSHIP

Q4 FY18

00

Q4 FY19

6

HCVs, 46.38%M&LCVs, 21.98%Passenger Vehicles, 22.51%Tractors, 3.52%Business Loans, 2.84%Others, 2.77%HCVs, 46.97%M&LCVs, 20.56%Passenger Vehicles, 23.21%Tractors, 4.08%Business Loans, 2.71%Others, 2.47%Branch & AUM distribution – Q4 FY19 vs Q4 FY18

Branch (Nos)

AUM (Rs in bn)

Q4 FY18

Q4 FY18

Total Branch 1,213

Total AUM Rs 962.6 bn

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Lender]

Q4 FY19

0 0

Total AUM Rs 1,044.8 bn

Q4 FY19

7

Total Branch 1,545

Urban, 630Rural, 583Urban, 650.1Rural, 312.5Urban, 825Rural, 720Urban, 659.3Rural, 385.5Provision Analysis

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

8

As per IGAAPParticulars (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18FY19YoY (%)Gross NPA73,763.974,585.877,488.476,411.170,997.8-3.75%-7.08%73,763.970,997.8-3.75%Net NPA21,311.521,318.522,781.722,216.120,553.9-3.55%-7.48%21,311.520,553.9-3.55%Gross NPA (%)9.15%8.98%8.77%8.97%8.29%-9.40%-7.58%9.15%8.29%-9.40%Net NPA (%)2.83%2.74%2.75%2.79%2.55%-9.89%-8.60%2.83%2.55%-9.89%Coverage Ratio (%)71.11%71.42%70.60%70.93%71.05%-0.08%0.17%71.11%71.05%-0.08%Standard Assets provision2,928.43,024.63,225.43,100.83,143.17.33%1.36%2,928.43,143.17.33%Standard Assets provision (%)0.40%0.40%0.40%0.40%0.40%0.00%0.00%0.40%0.40%0.00%As per IND ASParticulars (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18FY19YoY (%)Gross Stage 390,842.191,573.190,924.990,325.286,222.7-5.09%-4.54%90,842.186,222.7-5.09%ECL provision-Stage 330,953.231,178.231,131.131,866.329,670.0-4.15%-6.89%30,953.229,670.0-4.15%Net Stage 359,888.960,394.959,793.858,458.956,552.7-5.57%-3.26%59,888.956,552.7-5.57%Gross Stage 3 (%)9.39%9.06%8.64%8.78%8.37%-10.87%-4.64%9.39%8.37%-10.87%Net Stage 3 (%)6.19%6.17%5.85%5.86%5.49%-11.33%-6.29%6.19%5.49%-11.33%Coverage Ratio (%) Stage 334.07%34.05%34.24%35.28%34.41%0.99%-2.46%34.07%34.41%0.99%Gross Stage 1 & 2876,201.3918,789.2961,726.0938,749.6943,584.77.69%0.52%876,201.3943,584.77.69%ECL provision-Stage 1 & 223,650.223,413.326,042.626,511.326,037.010.09%-1.79%23,650.226,037.010.09%Net Stage 1 & 2852,551.1895,376.0935,683.4912,238.3917,547.77.62%0.58%852,551.1917,547.77.62%ECL provision (%) Stage 1 & 22.70%2.55%2.71%2.82%2.76%2.23%-2.29%2.70%2.76%2.23%Well-entrenched Pan India Network

)SHRIRAM

Transport Finance Company Urnitee

A WINNING RELATIONSHIP

Regional Split of Branches

ABBREVIATIONS

(19 545 2.03mn 269630 169280 500 838 ****.

Branch Network

Branch Offices

Customers

Employees

Field Officers

Private Financiers

Rural Centres

9

ZOADH, 165ZODHP, 44ZOECE, 83ZOCHN, 47ZOGRA, 153ZONCE, 107ZOSO1, 334ZOSOU, 227ZOWON, 68ZOIND, 103ZOPUN, 143ZORPR, 71ZoneZone NameZOADHHYDERABAD ZONEZODHPDELHI ZONEZOECERANCHI ZONEZOCHNCHANDIGARH ZONEZOGRAAHMEDABAD ZONEZONCELUCKNOW ZONEZOSO1CHENNAI ZONEZOSOUBANGALORE ZONEZOWONKOLKATA ZONEZOINDINDORE ZONEZOPUNPUNE ZONEZORPRRAIPUR ZONEP&L Statement

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

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

10

Particulars (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18**FY18FY19Interest income35,718.137,116.639,184.039,691.238,449.67.65%-3.13%121,435.5132,710.3154,441.4Interest expended17,171.818,887.618,674.919,412.519,391.012.92%-0.11%54,090.164,857.976,366.0Net interest income18,546.318,229.020,509.120,278.719,058.62.76%-6.02%67,345.467,852.478,075.4Other Operating Income36.541.959.067.473.4101.10%8.90%121.0121.0241.8Operating income18,582.818,270.920,568.120,346.119,132.02.96%-5.97%67,466.467,973.478,317.2Operating expenditure4,227.64,348.44,515.84,328.44,288.01.43%-0.93%14,885.314,913.017,480.7Core operating profit *14,355.213,922.516,052.316,017.714,844.03.41%-7.33%52,581.153,060.460,836.5Other income1,697.2134.7173.8183.8276.4-83.71%50.38%2,358.42,180.8768.8Operating profit16,052.414,057.216,226.116,201.515,120.4-5.81%-6.67%54,939.555,241.261,605.3Loan Losses & Provision971.55,226.76,835.86,362.15,398.0455.64%-15.15%31,221.217,223.223,822.6Profit before tax 15,080.98,830.59,390.39,839.49,722.4-35.53%-1.19%23,718.338,018.037,782.7Tax Expense5,463.33,101.43,294.53,484.92,262.0-58.60%-35.09%8,038.113,412.612,142.8Profit after tax9,617.65,729.16,095.86,354.57,460.4-22.43%17.40%15,680.224,605.425,639.9Other comprehensive Income (Net)-3.1-11.8-0.7-12.61.9-161.29%-115.08%0.0-12.9-23.2Total Comprehensive Income 9,614.55,717.36,095.16,341.97,462.3-22.38%17.67%15,680.224,592.525,616.7EPS (Rs)42.3925.2526.8628.0232.88-22.43%17.34%69.11108.45113.01Tier I CRAR %14.47%14.34%14.27%14.96%15.62%7.97%4.40%14.24%14.47%15.62%Tier II CRAR %2.92%2.58%2.42%4.76%4.65%59.48%-2.33%2.63%2.92%4.65%Total CRAR %17.38%16.92%16.69%19.72%20.27%16.61%2.78%16.87%17.38%20.27%Book Value (Rs)598.35623.55643.18665.10697.9916.65%4.95%554.12598.35697.99Balance Sheet

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

11

Particulars (Rs. mn)Mar-18Jun-18Sep-18Dec-18Mar-19YoY (%)QoQ (%)I. ASSETSFinancial AssetsCash and cash equivalents10,907.13,519.43,619.620,596.510,291.4-5.64%-50.03%Bank Balance other than above25,838.425,783.124,178.636,526.829,523.314.26%-19.17%Derivative financial instruments105.43,500.029,109.227,949.2217.2106.07%-99.22%Receivables(I) Trade Receivables139.863.771.257.484.8-39.34%47.74%(II) Other Receivables34.870.2165.9199.9199.5473.28%-0.20%Loans907,456.2950,518.8986,594.1962,813.7967,514.96.62%0.49%Investments23,413.624,313.823,455.834,508.539,990.670.80%15.89%Other Financial assets374.8419.7423.7365.6417.611.42%14.22%Non Financial assetsCurrent tax assets (net)1,042.6840.6840.6840.61,065.82.23%26.79%Deferred tax assets (net)521.9356.2712.9773.0757.045.05%-2.07%Investment Property21.020.920.820.720.6-1.90%-0.48%Property, plant and equipment1,182.21,166.31,238.71,270.21,434.621.35%12.94%Other Intangible assets17.424.223.821.219.713.22%-7.08%Other non financial assets1,395.11,452.91,514.71,609.81,387.9-0.52%-13.78%Total972,450.31,012,049.81,071,969.61,087,553.11,052,924.98.28%-3.18%Balance Sheet (Continued)

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

12

Particulars (Rs. mn)Mar-18Jun-18Sep-18Dec-18Mar-19YoY (%)QoQ (%)II. Liabilities and EquityFinancial LiabilitiesDerivative financial instruments46.83,189.928,582.727,612.0834.21682.48%-96.98%Trade Payables2,197.72,159.22,255.92,542.62,036.3-7.34%-19.91%Debt Securities324,326.1322,193.9350,434.8351,994.9341,817.55.39%-2.89%Borrowings361,085.4392,767.8392,049.5381,914.4371,893.02.99%-2.62%Deposits85,977.587,893.791,939.296,706.0103,414.720.28%6.94%Subordinated Liabilities49,919.449,188.647,511.464,846.762,018.824.24%-4.36%Other Financial liabilities6,506.86,039.65,792.54,792.67,312.912.39%52.59%Non-financial LiabilitiesCurrent tax liabilities (net)2,165.13,026.52,949.72,132.21,029.7-52.44%-51.71%Provisions1,273.31,313.31,446.61,522.51,332.74.67%-12.47%Other non-financial liabilities3,197.32,805.23,081.22,588.92,872.2-10.17%10.94%EquityEquity share capital2,269.12,269.12,269.12,269.12,269.10.00%0.00%Other equity133,485.8139,203.0143,657.0148,631.2156,093.816.94%5.02%Total972,450.31,012,049.81,071,969.61,087,553.11,052,924.98.28%-3.18%Key Metrics – Q4 FY19

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

* FY18 Financials as per IGAAP

13

P&L Metrics (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18*FY18FY19Interest Income35,718.137,116.639,184.039,691.238,449.67.65%-3.13%115,961.9132,710.3154,441.4Less: Interest Expenses17,171.818,887.618,674.919,412.519,391.012.92%-0.11%56,975.064,857.976,366.0Net Interest Income18,546.318,229.020,509.120,278.719,058.62.76%-6.02%58,986.967,852.478,075.4Other Income1,733.7176.6232.8251.2349.8-79.82%39.25%690.42,301.81,010.6Profit After Tax9,617.65,729.16,095.86,354.57,460.4-22.43%17.40%18,179.324,605.425,639.9EPS (Rs.)42.3925.2526.8628.0232.88-22.43%17.34%80.13108.45113.01Cost to income Ratio (%)20.38%23.04%21.32%20.37%21.39%4.97%5.00%20.59%20.63%21.49%NIM (on AUM)7.61%7.44%7.52%7.44%7.22%-5.13%-3.02%7.50%7.52%7.41%Balance Sheet Metrics (Rs. mn)Q4 FY18Q1 FY19Q2 FY19Q3 FY19Q4 FY19YoY (%)QoQ (%)FY18*FY18FY19Networth135,478.6141,195.9145,649.8150,624.1158,086.616.69%4.95%125,444.3135,478.6158,086.6Book Value (Rs.)598.35623.55643.18665.10697.9916.65%4.95%554.12598.35697.99Interest Coverage (x) 2.18 1.97 2.11 2.05 2.00 -8.34%-2.77% 2.29 2.08 2.03 ROA (%)3.85%2.19%2.22%2.24%2.65%-31.11%18.55%1.94%2.64%2.33%ROE (%)29.90%16.53%16.97%17.13%19.30%-35.46%12.69%13.06%20.78%17.52%CRAR (%)17.38%16.92%16.69%19.72%20.27%16.61%2.78%16.87%17.38%20.27%Reconciliation of Net Profit between Previous GAAP & Ind AS

tiSHRIRAM

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Transport Finance Company Crated

14

Particulars (Rs. mn)Jun-17Sep-17Dec-17Mar-18FY18Net profit after tax as per Previous GAAP4,486.84,791.14,956.31,446.015,680.2Adoption of Effective Interest Rate (EIR) for amortisation of income and expenses - financial assets at amortised cost-184.2163.4155.1225.3359.6Adoption of EIR for amortisation of expenses - financial liabilities at amortised cost-104.716.779193.4184.4Expected Credit Loss467.9137.1247.68300.99,153.5Others-65.6-136.1-22.7-547.9-772.3Net profit/(loss) after tax as per Ind AS4,600.24,972.25,415.39,617.724,605.4Other comprehensive income (net of tax)-3.3-3.2-3.2-3.2-12.9Total comprehensive income as per Ind AS (attributable to owners of the Company)4,596.94,969.05,412.19,614.524,592.5Borrowing Profile as on Mar 31, 2019 vs Mar 31, 2018

?,if.,1-Gi!Tfvj

Rs 821.31 bn

Rs 879.68 bn

Bonds, 34.0%

Other Borrowing, 0.9%

Public Deposit, 10.4%

Term Loan, 22.6%

FY18

FY19

Securitisatio n, 20.5%

Commercial Paper , 5.5%

Subordinate d debts, 6.1%

I

15

Public Deposit, 11.7%Term Loan, 20.5%Commercial Paper (Embedded with NCD 3.4%), 4.0%Subordinated debts, 7.1%Securitisation, 20.2%Bonds, 35.0%Other Borrowing, 1.5%Shareholding Pattern as on Mar 31, 2019 vs Mar 31, 2018

No. of shares outstanding: 226.88 mn

tiSHRIRAM

A WINNING RELATIONSHIP

Transport Finance Company Crated

FY18

FY19

16

Promoter & Promoter Group, 26.08%FII & FPI , 51.09%MF/ Banks, 3.68%Public , 6.87%Other Corporate Bodies, 12.15%NRI/ OCBs, 0.13%Promoter & Promoter Group, 26.08%FII & FPI , 51.97%MF/ Banks, 3.57%Public , 6.71%Other Corporate Bodies, 11.52%NRI/ OCBs, 0.15%Has Attracted Strong Interest from Quality Investors

tiSHRIRAM

A WINNING RELATIONSHIP

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

17

Key ShareholdersCurrent Shareholding (Mn Shares) % Shriram Capital Limited59.1726.08Piramal Enterprises Limited22.609.96Sanlam Life Insurance Limited6.762.98New World Fund Inc4.291.89Government Pension Fund Global4.091.80Societe Generale3.621.60Abu Dhabi Investment Authority -(Under sub accounts)3.371.49Smallcap World Fund, Inc3.181.40Government of Singapore2.921.29Generation IM Fund PLC-Generation IM Asia Fund2.901.28Public & Others113.9850.23Total226.88100.00Contact Us

liSHRIRAM

Transport ;nonce Company Urnitee

A WINNING RELATIONSHIP

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

18

About Us

tiSHRIRAM

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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. 104,482.29 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 1,545 branches, and employs 26,630 employees including 16,280 field officers. The company has built a strong customer base of approx. 2.03 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.

19

SHRIRAM

Trancpcnt Finance Company Limited

A WINNING RELATIONSHIP

Thank You