Sammaan Capital Limited

rs,

May 20, 2026 Scrip Code – 535789, 890192 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, MUMBAI – 400 001 SAMMAANCAP/EQ, SCLPP National Stock Exchange of India Limited “E

28.5%

, with share allotment to IHC completed on March 31, 2026 IHC’s current equity ownership stands at 28.5%; IHC will own 43.5% of Sammaan after warrant conversion IHC is the promoter and strategic shareho

43.5%

nt to IHC completed on March 31, 2026 IHC’s current equity ownership stands at 28.5%; IHC will own 43.5% of Sammaan after warrant conversion IHC is the promoter and strategic shareholder of the company;

₹ 5,652

rating teams directly engaging IHC Group experts across IT, AI, Risk, Credit, and Finance Received ₹ 5,652 Cr ($ 592 Mn) on issuance of equity shares & 25% upfront payment on warrants; Balance ₹ 3,198 Cr ($

25%

ss IT, AI, Risk, Credit, and Finance Received ₹ 5,652 Cr ($ 592 Mn) on issuance of equity shares & 25% upfront payment on warrants; Balance ₹ 3,198 Cr ($ 335 Mn) (to be received over 18 months on conve

₹ 3,198

eived ₹ 5,652 Cr ($ 592 Mn) on issuance of equity shares & 25% upfront payment on warrants; Balance ₹ 3,198 Cr ($ 335 Mn) (to be received over 18 months on conversion of warrants) 4 243 39 55 0 28 16

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e-scale private-sector joint ventures and strategic investments between India and UAE in key sectors 5 IHC : The Promoter Story 243 39 55 0 28 168 15 129 184 91 47 138 71 100 217 166 16

246.3%

l Equity EPS Cash & Bank Balance $233 bn $121.3 bn $8.6 bn/$ 2.2 bn (Q1 26) $67.9 bn $0.6 (+246.3% YoY) $20.4 bn IHC’s Global Footprint & Key Investee Companies 1,300+ Subsidiaries 85+ JVs & Ass

₹ 53,160

unified Opening AUM, zero NPA: No incremental net provisions required in future on Opening AUM of ₹ 53,160 Cr • Provision Buffers Capture Terminal credit costs: ~1.9% annualized credit cost on total disbur

1.9%

ired in future on Opening AUM of ₹ 53,160 Cr • Provision Buffers Capture Terminal credit costs: ~1.9% annualized credit cost on total disbursals of ~₹ 3.60 Lakh Crore which has run-down to an Opening

₹ 3.60 Lakh Crore

vision Buffers Capture Terminal credit costs: ~1.9% annualized credit cost on total disbursals of ~₹ 3.60 Lakh Crore which has run-down to an Opening AUM of ₹ 53,160 with ZERO gross/net NPA • Demonstrated book qual

₹ 1.35 Lakh Crore

ated book quality: The Opening AUM is cashflow tested and has serviced borrowings which stood at ~₹ 1.35 Lakh Crore at the end of Sept-18. Net servicing of ~₹ 1.3 Lakh Crore since Sept-18 – creating business histor

“Affordable, semi- urban and Micro LAP Loans [yield: 11.0% - 13.5%] Source to co-originate with credit funds in a pari-passu structure without any credit guarantee CRE, Project Loans, Plot Loans, LRD 10,346 ($ 1.1 bn) 99.3% 12% - 17% ~ 3 years Other Loans including unsecured Business & Personal Loans 1,260 ($ 132 Mn) 99.6% 10% - 16% ~ 1.5 years Source to hold Total 53,160 ($ 5.6 bn) 99.1% 25 Years of proven track: Institutional knowledge and experience • ₹ 3.6 Lakh Cr.”

“Early Warning System Predicts 90+ DPD months ahead Agent Productivity 30% increase by FY27 Loan TAT Reduce from current ~5-7 days to ~2-3 days by FY27 Fraud Detection Rate 30% to 40% increase by FY27 Collections Optimizer Propensity-to-pay; right channel + time.”

“Cost to Income Ratio Will be ~26% by FY30 Internal Knowledge Assistant Gen-AI search over policies & SOPs.”

Source to hold

2

INVESTOR RELATIONS ADVISORS

1

Source to hold

Affordable and semi-urban [yield: 10.0% - 13%] Substantial provision buffers. Prospective recoveries to support earnings 99.8% 9.5% - 13.5% ~ 3 years Source to sell to banks: Prime, mass-market loans [yield: 9.5% - 11.0%]

Source to hold

Affordable, semi- urban and Micro LAP Loans [yield: 11.0% - 13.5%] Source to co-originate with credit funds in a pari-passu structure without any credit guarantee CRE, Project Loans, Plot Loans, LRD 10,346 ($ 1.1 bn) 99.3% 12% - 17% ~ 3 years Other Loans including unsecured Business & Personal Loans 1,260 ($ 132 Mn) 99.6% 10% - 16% ~ 1.5 years Source to hold Total 53,160 ($ 5.6 bn) 99.1% 25 Years of proven track: Institutional knowledge and experience • ₹ 3.6 Lakh Cr. Of disbursal down to ₹ 53,160 Cr. • Well matured book of terminal, already provided for annualised credit cost of 1.9% • Has supported borrowing repayment of debt which stood at ₹ 1.35 Lakh Cr at the end of September2018. Since then, to date, net repayment (including interest) of ₹ 1.3 Lakh Cr has been made. *Cumulative Collection Efficiency = Collection/Billing Opening AUM of ₹ 53,160 with necessary capital & provision buffers and ROA of 1.6% will support growth 12 243 39 55 0 28 168 15 129 184 91 47 138 71 100 217 166 1

INVESTOR RELATIONS ADVISORS

ibsecretarial@sammaancapital.com Sammaan Capital Limited CIN : L65922DL2005PLC136029 ibsecretarial@sammaancapital.com investor.relations@sammaancapital.com www.sammaancapital.com MUFG Intime India Private Limited A part of MUFG Corporate Markets, a division of MUFG Pension & Market Services nikunj.jain@in.mpms.mufg.com Mr. Nikunj Jan nikunj.jain@in.mpms.mufg.com Mr. Aryan Sumra aryan.sumra@in.mpms.mufg.com aryan.sumra@in.mpms.mufg.com 243 39 55 0 28 168 15 129 184 91 47 138 71 100 217 166 166 166 26