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

SHRIRAM

Thinaport Finance Company Limited

A WINNING RELATIONSHIP

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

October 24, 2019

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

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

Dear Sirs,

Sub.: Investor Update / Presentation

Further to our letter dated 19/10/2019 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 Encl.:a/a.

Shriram Transport Finance Company Limited

Corporate Office: Wockhardt Towers, Level — 3, West Wing, C-2, G-Block, Bandra — Kurla Complex, Bandra (East), Mumbai — 400 051. Tel: +91 22 4095 9595 I Fax: +91 22 4095 9597. Registered Office: Mookambika Complex, 3rd Floor, No.4, Lady Desika Road, Mylapore, Chennai — 600 004, Tamil Nadu, India. Tel: +91 44 2499 0356 I Fax: +91 44 2499 3272. Website: www.stfc.in I Corporate Identity Number (CIN) — L65191TN1979PLC007874.

Our AUM has crossed

Just another milestone in our growth journey Just another milestone in our growth journey

Shriram Transport Finance Company Ltd Shriram Transport Finance Company Ltd Investor Update – Q2 & H1 FY2020 Investor Update — Q2 & H1 FY2020

October 24, 2019 October 24, 2019

SHRIRAM

Transport Finance Company Limited

A WINNING RELATIONSHIP

Performance Highlights – Q2 FY20 vs Q2 FY19 Performance Highlights Q2 FY20 vs Q2 FY19

)SHR I RAM

Tranoport Fmance Company Lonitee

A WINNING RELATIONSHIP

Total Income Total Ini come

6.89% 6.89%

Q2 FY20 Rs 42,198.2 mn Q2 FY20 Rs 42,198.2 mn

Q2 FY19 Rs 39,477.5 mn Q2 FY19 Rs 39,477.5 mn

Net Interest Income* -0.69% Net Interest Income* -0.69% *including Direct assignment Income Rs. 38.90 Mn

including Direct assignment Income Rs. 38.90 Mn

(Q2 FY19 Rs. -2.28 Mn) (Q2 FY19 Rs. -2.28 Mn)

Q2 FY20 Rs 20,367.6 mn Q2 FY20 Rs 20,367.6 mn

Q2 FY19 Rs 20,509.1 mn Q2 FY19 Rs 20,509.1 mn

Q2 FY20 Rs 7,650.5 mn Q2 FY20 Rs 7,650.5 mn

PAT PAT

25.50% 41- 25.50%

Q2 FY19

Q2 FY19 Rs 6,095.8 mn Rs 6,095.8 mn

EPS EPS

25.54% 25.54%

Q2 FY20 Rs 33.72 Q2 FY20 Rs 33.72

Q2 FY19 Rs 26.86 Q2 FY19 Rs 26.86

2

Performance Highlights – H1 FY20 vs H1 FY19 Performance Highlights H1 FY20 vs H1 FY19

SHRIRAM

Trannport F.nence Lampe, Urrutee

A WINNING RELATIONSHIP

Total Income Total Income 111

7.84% 7.84%

H1 FY20 Rs 82,814.7 mn H1 FY20 Rs 82,814.7 mn

H1 FY19 Rs 76,790.6 mn H1 FY19 Rs 76,790.6 mn

Net Interest Income* Net Interest Income* 3.22% 3.22% *including Direct assignment Income Rs. 149.12 Mn

including Direct assignment Income Rs. 149.12 Mn

(H1 FY19 Rs. -8.69 Mn) (H1 FY19 Rs. -8.69 Mn)

H1 FY20 Rs 39,985.0 mn H1 FY20 Rs 39,985.0 mn

H1 FY19 Rs 38,738.0 mn H1 FY19 Rs 38,738.0 mn

H1 FY20 Rs 13,993.0 mn H1 FY20 Rs 13,993.0 mn

18.34% 41 18.34%

H1 FY19

H1 FY19 Rs 11,824.8 mn Rs 11,824.8 mn

PAT PAT

EPS EPS

18.36% 18.36%

H1 FY20 Rs 61.68 H1 FY20 Rs 61.68

H1 FY19 Rs 52.11 H1 FY19 Rs 52.11

3

Performance Highlights – Q2 FY20 vs Q2 FY19 Performance Highlights Q2 FY20 vs Q2 FY19

SHR I RAM

li

Tranaport Fmance Company Looked

A WINNING RELATIONSHIP

AUM AUM

3.58% 3.58%

Q2 FY20 Rs 1,081,202.4 mn Rs 1,081,202.4 mn Q2 FY20

Q2 FY19 Rs 1,043,798.3 mn Q2 FY19 Rs 1,043,798.3 mn

Gross Stage 3 assets 3.34% Gross Stage 3 assets 3.34%

Q2 FY20 Rs 93,965.6 mn Q2 FY20 Rs 93,965.6 mn

Q2 FY19 Rs 90,924.9 mn Q2 FY19 Rs 90,924.9 mn

Net Stage 3 assets Net Stage 3 assets

6.70% 6.70%

Q2 FY20 Rs 63,800.2 mn Q2 FY20 Rs 63,800.2 mn

-11

Q2 FY19 Rs 59,793.8 mn Q2 FY19 Rs 59,793.8 mn

 CRAR at 20.35% as of * CRAR at 20.35% as of Q2 FY20 compared to Q2 FY20 compared to 16.69% as of Q2 FY19. 16.69% as of Q2 FY19.

Book Value Book Value

16.77% 16.77%

Q2 FY20 Rs 751.04 Q2 FY20 Rs 751.04

Q2 FY19 Rs 643.18 Q2 FY19 Rs 643.18

4

AUM Break-up AUM Break-up

liSHR I RAM

Tronoport Pmance Company Urnitee

A WINNING RELATIONSHIP

Particulars (Rs. mn)

Q2 FY19

Q1 FY20

Q2 FY20

YoY (%)

QoQ (%)

H1 FY19

H1 FY20

YoY (%)

FY19

Loan Portfolio

- On Books

Balance sheet assets

878,147.2

846,514.5

847,722.0

-3.46%

0.14%

878,147.2

847,722.0

-3.46%

850,847.3

Securitised assets

165,415.9

197,499.7

216,911.7

31.13%

9.83%

165,415.9

216,911.7

31.13%

172,227.7

Total On books

- Off Books*

Total AUM

- New

- Used

1,043,563.1

1,044,014.2

1,064,633.7

2.02%

1.98%

1,043,563.1

1,064,633.7

2.02%

1,023,075.0

235.2

19,420.6

16,568.7

6944.52%

-14.68%

235.2

16,568.7

6944.52%

21,747.9

1,043,798.3

1,063,434.8

1,081,202.4

3.58%

1.67%

1,043,798.3

1,081,202.4

3.58%

1,044,822.9

127,188.0

114,504.5

109,666.6

-13.78%

-4.23%

127,188.0

109,666.6

-13.78%

115,940.8

860,610.6

890,205.4

912,146.4

5.99%

2.46%

860,610.6

912,146.4

5.99%

870,499.7

- Business Loans

33,135.3

29,120.9

28,521.4

-13.92%

-2.06%

33,135.3

28,521.4

-13.92%

29,710.3

- Working capital loans

21,709.2

28,983.4

30,267.6

39.42%

4.43%

21,709.2

30,267.6

39.42%

28,073.1

- Others

Total AUM

1,155.2

620.6

600.4

-48.03%

-3.25%

1,155.2

600.4

-48.03%

599.0

1,043,798.3

1,063,434.8

1,081,202.4

3.58%

1.67%

1,043,798.3

1,081,202.4

3.58%

1,044,822.9

*Off Books pertains to Direct assignment portfolio *Off Books pertains to Direct assignment portfolio

5

Particulars (Rs. mn)Q2 FY19Q1 FY20Q2 FY20YoY (%)QoQ (%)H1 FY19H1 FY20YoY (%)FY19Loan Portfolio- On Books Balance sheet assets878,147.2846,514.5847,722.0-3.46%0.14%878,147.2 847,722.0 -3.46%850,847.3Securitised assets165,415.9197,499.7216,911.731.13%9.83%165,415.9 216,911.7 31.13%172,227.7Total On books1,043,563.11,044,014.21,064,633.72.02%1.98%1,043,563.11,064,633.72.02%1,023,075.0- Off Books*235.219,420.616,568.76944.52%-14.68%235.216,568.7 6944.52%21,747.9Total AUM1,043,798.31,063,434.81,081,202.43.58%1.67%1,043,798.31,081,202.4 3.58%1,044,822.9- New127,188.0114,504.5109,666.6-13.78%-4.23%127,188.0 109,666.6 -13.78%115,940.8- Used860,610.6890,205.4912,146.45.99%2.46%860,610.6 912,146.4 5.99%870,499.7- Business Loans33,135.329,120.928,521.4-13.92%-2.06%33,135.3 28,521.4 -13.92%29,710.3- Working capital loans21,709.228,983.430,267.639.42%4.43%21,709.2 30,267.6 39.42%28,073.1- Others1,155.2620.6600.4-48.03%-3.25%1,155.2 600.4 -48.03%599.0Total AUM1,043,798.31,063,434.81,081,202.43.58%1.67%1,043,798.3 1,081,202.4 3.58%1,044,822.9 Segment-wise AUM Break up Segment-wise AUM Break up

)SHRIRAM

Tranaport Fmance Company Lonitee

A WINNING RELATIONSHIP

Others, 2.19%

Business Loans, 3.17%

Tractors, 3.94%

Passenger Vehicles, 23.22%

Q2 FY19

HCVs, 46.46%

M&LCVs, 21.02%

Business Loans, 2.64%

Tractors, 3.19%

Passenger Vehicles, 22.59%

Others, 2.85%

• HCVs, 45.81%

M&LCVs, 22.92%

6

HCVs, 46.46%M&LCVs, 21.02%Passenger Vehicles, 23.22%Tractors, 3.94%Business Loans, 3.17%Others, 2.19%Q2 FY19HCVs, 45.81%M&LCVs, 22.92%Passenger Vehicles, 22.59%Tractors, 3.19%Business Loans, 2.64%Others, 2.85%Q2 FY20 Branch & AUM distribution – Q2 FY20 vs Q2 FY19 Branch & AUM distribution Q2 FY20 vs Q2 FY19

SHRIRAM

Tranaport Fmance Company Lonitee

li

Branch (Nos) Branch (Nos)

Total Branch 1,301 Total Branch 1,301

Rural, Rural, 651 651

Q2 FY19

n Urban, Urban, 650 650

AUM (Rs in bn) AUM (Rs in bn) Rural, 366.4

A WINNING RELATIONSHIP

Total AUM Total AUM Rs 1,043.8 bn Rs 1,043.8 bn

Urban, 876

Total Branch 1,669 Total Branch 1,669

Total AUM Total AUM Rs 1,081.2 bn Rs 1,081.2 bn

n Urban, 660.4

7

Urban, 876Rural, 793Q2 FY20Urban, 677.4Rural, 366.4Q2 FY19Urban, 660.4Rural, 420.8Q2 FY20Provision Analysis Provision Analysis

As per IND AS

liSHR I RAM

Tranaport ;nonce Company Urnitee

A WINNING RELATIONSHIP

Particulars (Rs. mn)

Q2 FY19

Q1 FY20

Q2 FY20

YoY

QoQ (%)

H1 FY19

H1 FY20

YoY (%)

FY19

Gross Stage 3

90,924.9

89,257.4

93,965.6

3.34%

ECL prolision-Stage 3

31,131.1

28,405.7

30,165.4

-3.10%

Net Stage 3

59,793.8

60,851.7

63,800.2

Gross Stage 3 (%)

8.64%

8.52%

8.80%

Net Stage 3 (%)

5.85%

5.97%

6.15%

6.70%

1.86%

5.02%

Coverage Ratio (%) Stage 3

34.24%

31.82%

32.10%

-6.24%

Gross Stage 1 & 2

961,726.0

958,894.9

974,057.2

ECL prolision-Stage 1 & 2

26,042.6

27,623.7

27,664.6

Net Stage 1 & 2

935,683.4

931,271.2

946,392.6

1.28%

6.23%

1.14%

5.27%

6.19%

4.85%

3.32%

3.02%

0.87%

1.58%

0.15%

90,924.9

93,965.6

3.34%

86,222.7

31,131.1

30,165.4

-3.10%

29,670.0

59,793.8

63,800.2

6.70%

56,552.7

8.64%

8.80%

1.86%

8.37%

5.85%

6.15%

5.02%

5.65%

34.24%

32.10%

-6.24%

34.41%

961,726.0

974,057.2

1.28%

943,584.7

26,042.6

27,664.6

6.23%

26,037.0

1.62%

935,683.4

946,392.6

1.14%

917,547.7

ECL provision (%) Stage 1 & 2

2.71%

2.88%

2.84%

4.88%

-1.41%

2.71%

2.84%

4.88%

2.76%

8

As per IND ASParticulars (Rs. mn)Q2 FY19Q1 FY20Q2 FY20YoY (%)QoQ (%)H1 FY19H1 FY20YoY (%)FY19Gross Stage 390,924.989,257.493,965.63.34%5.27%90,924.993,965.63.34%86,222.7ECL provision-Stage 331,131.128,405.730,165.4-3.10%6.19%31,131.130,165.4-3.10%29,670.0Net Stage 359,793.860,851.763,800.26.70%4.85%59,793.863,800.26.70%56,552.7Gross Stage 3 (%)8.64%8.52%8.80%1.86%3.32%8.64%8.80%1.86%8.37%Net Stage 3 (%)5.85%5.97%6.15%5.02%3.02%5.85%6.15%5.02%5.65%Coverage Ratio (%) Stage 334.24%31.82%32.10%-6.24%0.87%34.24%32.10%-6.24%34.41%Gross Stage 1 & 2961,726.0958,894.9974,057.21.28%1.58%961,726.0974,057.21.28%943,584.7ECL provision-Stage 1 & 226,042.627,623.727,664.66.23%0.15%26,042.627,664.66.23%26,037.0Net Stage 1 & 2935,683.4931,271.2946,392.61.14%1.62%935,683.4946,392.61.14%917,547.7ECL provision (%) Stage 1 & 22.71%2.88%2.84%4.88%-1.41%2.71%2.84%4.88%2.76% Well-entrenched Pan India Network Well-entrenched Pan India Network

)SHRIRAM

Tranaport Fmance Company Lonitee

A WINNING RELATIONSHIP

Regional Split of Branches Regional Split of Branches

ABBREVIATIONS ABBREVIATIONS

ZORPR, 84

ZOADH, 172

ZOPUN, 153

ZOIND, 120

ZOWON, 75

ZOSOU, 240

ZOS01, 367

ZODHP, 47

ZOECE, 90

ZOCHN, 53

ZOGRA, 158

ZONCE, 110

Zone

Zone Name

ZOADH HYDERABAD ZONE ZODHP DELHI ZONE ZOECE RANCH ZONE

ZOCHN CHANDIGARH ZONE

ZOGRA AHMEDABAD ZONE ZONCE LUCKNOW ZONE ZOS01 CHENNAI ZONE

ZOSOU BANGALORE ZONE ZOWON KOLKATA ZONE ZOIND INDORE ZONE

ZOPUN PUNE ZONE ZORPR RAIPUR ZONE

(/.19669 2.06nrin 281522 221745 500 853

Branch Network Branch Network

Branch Branch Offices Offices

•••

Customers Customers

Employees Employees

Business Team Business Team

Private Private Financiers Financiers

Rural Rural Centres Centres

9

ZoneZone NameZOADHHYDERABAD ZONEZODHPDELHI ZONEZOECERANCHI ZONEZOCHNCHANDIGARH ZONEZOGRAAHMEDABAD ZONEZONCELUCKNOW ZONEZOSO1CHENNAI ZONEZOSOUBANGALORE ZONEZOWONKOLKATA ZONEZOINDINDORE ZONEZOPUNPUNE ZONEZORPRRAIPUR ZONEZOADH, 172ZODHP, 47ZOECE, 90ZOCHN, 53ZOGRA, 158ZONCE, 110ZOSO1, 367ZOSOU, 240ZOWON, 75ZOIND, 120ZOPUN, 153ZORPR, 84 P&L Statement P&L Statement

liSHRIRAM

Tronoport Pmance Company Urnitee

A WINNING RELATIONSHIP

Particulars (Rs. mn) n

Q2 FY19

01 FY20

Q2 FY20

YoY (%)

QoQ (%)

H1 FY19

H1 FY20

YoY (%)

FY19

Interest income

Interest expended

Net interest income

Other Operating Income

Operating income

Operating expenditure

39,184.0

18,674.9

20,509.1

40,014.6

20,397.2

19,617.4

41,128.6

4.96%

20,761.0

11.17%

20,367.6

-0.69%

2.78%

1.78%

3.82%

76,300.5

81,143.2

6.35%

154,441.4

37,562.5

41,158.2

9.57%

76,366.0

38,738.0

39,985.0

3.22%

78,075.4

59.0

131.5

192.1

225.59%

46.08%

100.8

323.7

221.13%

241.8

20,568.1

19,748.9

20,559.7

4,515.8

4,464.5

4,926.0

-0.04%

9.08%

-2.61%

4.11%

38,838.8

40,308.7

3.78%

78,317.2

10.34%

8,864.2

9,390.5

5.94%

17,480.7

2.29%

29,974.6

30,918.2

3.15%

60,836.5

Core operating profit *

16,052.3

15,284.4

15,633.7

Other income

Operating profit

Loan Losses & Provision

Profit before tax

Tax Expense

Profit after tax

Other comprehensive Income (Net)

Total Comprehensive Income

EPS (Rs)

Tier I CRAR %

Tier II CRAR %

Total CRAR %

Book Value (Rs)

173.8

143.2

241.5

38.95%

68.65%

308.6

384.6

24.63%

768.8

16,226.1

15,427.6

15,875.2

-2.16%

2.90%

30,283.2

31,302.8

3.37%

61,605.3

6,835.8

9,390.3

3,294.5

n

6,095.8

-0.7

6,095.1

26.86

14.27%

2.42%

16.69%

643.18

5,611.8

9,815.8

3,473.3

6,342.5

-30.1

6,606.5

9,268.7

1,618.2

-3.35%

-1.29%

17.73%

12,062.5

12,218.3

1.29%

23,822.6

-5.57%

18,220.7

19,084.5

4.74%

37,782.7

-50.88%

-53.41%

6,395.9

5,091.5

-20.39%

,

12,142.8

7,650.5

25.50%

20.62%

11,824.8

13,993.0

18.34%

25,639.9

-14.2

1928.57%

-52.82%

-12.5

-44.3

254.40%

-23.2

6,312.4

7,636.3

25.29%

20.97%

11,812.3

13,948.7

18.09%

25,616.7

27.96

33.72

25.54%

20.60%

52.11

61.68

18.36%

113.01

15.88%

16.31%

14.30%

2.71%

14.27%

16.31%

14.30%

15.62%

4.20%

4.04%

66.94%

-3.81%

2.42%

4.04%

66.94%

4.65%

20.08%

20.35%

21.93%

717.38

751.04

16.77%

1.34%

4.69%

16.69%

20.35%

21.93%

20.27%

643.18

751.04

16.77%

697.99

*Before Provisions & Contingencies *Before Provisions & Contingencies

10 10

Particulars (Rs. mn)Q2 FY19Q1 FY20Q2 FY20YoY (%)QoQ (%)H1 FY19H1 FY20YoY (%)FY19Interest income39,184.040,014.641,128.64.96%2.78%76,300.581,143.26.35%154,441.4Interest expended18,674.920,397.220,761.011.17%1.78%37,562.541,158.29.57%76,366.0Net interest income20,509.119,617.420,367.6-0.69%3.82%38,738.039,985.03.22%78,075.4Other Operating Income59.0131.5192.1225.59%46.08%100.8323.7221.13%241.8Operating income20,568.119,748.920,559.7-0.04%4.11%38,838.840,308.73.78%78,317.2Operating expenditure4,515.84,464.54,926.09.08%10.34%8,864.29,390.55.94%17,480.7Core operating profit *16,052.315,284.415,633.7-2.61%2.29%29,974.630,918.23.15%60,836.5Other income173.8143.2241.538.95%68.65%308.6384.624.63%768.8Operating profit16,226.115,427.615,875.2-2.16%2.90%30,283.231,302.83.37%61,605.3Loan Losses & Provision6,835.85,611.86,606.5-3.35%17.73%12,062.512,218.31.29%23,822.6Profit before tax 9,390.39,815.89,268.7-1.29%-5.57%18,220.719,084.54.74%37,782.7Tax Expense3,294.53,473.31,618.2-50.88%-53.41%6,395.95,091.5-20.39%12,142.8Profit after tax6,095.86,342.57,650.525.50%20.62%11,824.813,993.018.34%25,639.9Other comprehensive Income (Net)-0.7-30.1-14.21928.57%-52.82%-12.5-44.3254.40%-23.2Total Comprehensive Income 6,095.16,312.47,636.325.29%20.97%11,812.313,948.718.09%25,616.7EPS (Rs)26.8627.9633.7225.54%20.60%52.1161.6818.36%113.01Tier I CRAR %14.27%15.88%16.31%14.30%2.71%14.27%16.31%14.30%15.62%Tier II CRAR %2.42%4.20%4.04%66.94%-3.81%2.42%4.04%66.94%4.65%Total CRAR %16.69%20.08%20.35%21.93%1.34%16.69%20.35%21.93%20.27%Book Value (Rs)643.18717.38751.0416.77%4.69%643.18751.0416.77%697.99 Balance Sheet Balance Sheet

SHRIRAM

Tranaport Pmance Company Lerma

A WINNING RELATIONSHIP

Particulars (Rs. mn)

Sep-18

Jun-19

Sep-19

YoY (%)

QoQ (%)

Mar-19

I. ASSETS

Financial Assets

Cash and cash equivalents Bank Balance other than above Derivative financial instruments Receivables (I) Trade Receivables (II) Other Receivables Loans Investments Other Financial assets

Non Financial assets

Current tax assets (net) Deferred tax assets (net) Investment Property Property, plant and equipment Right of use assets Other Intangible assets Other non financial assets

Total

3,619.7 24,178.6 29,109.2

71.2 165.6 986,594.2 23,455.8 423.7

31,379.3 34,260.2 127.3

38.0 220.5 988,118.4 26,300.7 433.9

7,564.7 38,038.2 1,718.4

108.99% 57.32% -94.10%

-75.89% 11.03% 1249.88%

116.2 29.9 1,006,913.7 27,573.8 397.5

63.20% -81.94% 2.06% 17.56% -6.18%

205.79% -86.44% 1.90% 4.84% -8.39%

10,291.4 29,523.3 217.2

84.8 199.4 967,514.9 39,990.7 417.6

840.6 712.9 20.7 1,238.6

23.8 1,514.7 1,071,969.3

1,065.8 703.9 20.6 1,378.5 3,457.6 17.2 1,434.9 1,088,956.8

3,815.6 311.3 20.5 1,464.4 3,461.2 21.9 1,504.5 1,092,951.8

353.91% -56.33% -0.97% 18.23% 0.00% -7.98% -0.67% 1.96%

258.00% -55.77% -0.49% 6.23% 0.10% 27.33% 4.85% 0.37%

1,065.8 757.0 20.6 1,434.6

19.7 1,387.8 1,052,924.8

11

Particulars (Rs. mn)Sep-18Jun-19Sep-19YoY (%)QoQ (%)Mar-19I. ASSETSFinancial AssetsCash and cash equivalents3,619.7 31,379.3 7,564.7 108.99%-75.89%10,291.4 Bank Balance other than above24,178.6 34,260.2 38,038.2 57.32%11.03%29,523.3 Derivative financial instruments29,109.2 127.3 1,718.4 -94.10%1249.88%217.2 Receivables(I) Trade Receivables71.2 38.0 116.2 63.20%205.79%84.8 (II) Other Receivables165.6 220.5 29.9 -81.94%-86.44%199.4 Loans986,594.2 988,118.4 1,006,913.7 2.06%1.90%967,514.9 Investments23,455.8 26,300.7 27,573.8 17.56%4.84%39,990.7 Other Financial assets423.7 433.9 397.5 -6.18%-8.39%417.6 Non Financial assetsCurrent tax assets (net)840.6 1,065.8 3,815.6 353.91%258.00%1,065.8 Deferred tax assets (net)712.9 703.9 311.3 -56.33%-55.77%757.0 Investment Property20.7 20.6 20.5 -0.97%-0.49%20.6 Property, plant and equipment1,238.6 1,378.5 1,464.4 18.23%6.23%1,434.6 Right of use assets- 3,457.6 3,461.2 0.00%0.10%- Other Intangible assets23.8 17.2 21.9 -7.98%27.33%19.7 Other non financial assets1,514.7 1,434.9 1,504.5 -0.67%4.85%1,387.8 Total1,071,969.31,088,956.81,092,951.81.96%0.37%1,052,924.8Balance Sheet (Continued) Balance Sheet (Continued)

liSHRIRAM

Tranaport Pmance Company Urnitee

A WINNING RELATIONSHIP

Particulars (Rs. mn)

II. Liabilities and Equity Financial Liabilities

Derivative financial instruments Trade Payables Debt Securities Borrowings (other than debt security) Deposits Subordinated Liabilities Other Financial liabilities Lease liabilities

Non-financial Liabilities

Current tax liabilities (net) Provisions Other non-financial liabilities

Equity

Equity share capital Other equity

Total

Sep-18

Jun-19

Sep-19

YoY (%)

QoQ (%)

Mar-19

28,582.7 2,255.9 350,434.8 392,049.5 91,939.1 47,511.4 5,792.5

2,949.7 1,446.5 3,081.2

1,351.0 1,304.1 350,153.1 383,609.7 110,576.4 61,705.7 6,329.1 3,577.1

1,784.5 3,344.3 2,461.3

225.0 1,779.0 310,771.1 419,483.1 114,504.5 61,174.9 6,098.7 3,640.6

1,024.8 1,411.8 2,441.5

2,269.0 143,657.0 1,071,969.3

2,268.8 160,491.7

1,088,956.8

2,268.8 168,128.0 1,092,951.8

-99.21% -21.14% -11.32% 7.00% 24.54% 28.76% 5.29%

-65.26% -2.40% -20.76%

-0.01% 17.03% 1.96%

-83.35% 36.42% -11.25% 9.35% 3.55% -0.86% -3.64% 1.78%

-42.57% -57.78% -0.80%

834.2 2,036.3 341,817.6 371,893.0 103,414.6 62,018.8 7,313.0

1,029.7 1,332.6 2,872.2

0.00% 4.76% 0.37%

2,269.0 156,093.8 1,052,924.8

12

Particulars (Rs. mn)Sep-18Jun-19Sep-19YoY (%)QoQ (%)Mar-19II. Liabilities and EquityFinancial LiabilitiesDerivative financial instruments28,582.7 1,351.0 225.0 -99.21%-83.35%834.2 Trade Payables2,255.9 1,304.1 1,779.0 -21.14%36.42%2,036.3 Debt Securities350,434.8 350,153.1 310,771.1 -11.32%-11.25%341,817.6 Borrowings (other than debt security)392,049.5 383,609.7 419,483.1 7.00%9.35%371,893.0 Deposits91,939.1 110,576.4 114,504.5 24.54%3.55%103,414.6 Subordinated Liabilities47,511.4 61,705.7 61,174.9 28.76%-0.86%62,018.8 Other Financial liabilities5,792.5 6,329.1 6,098.7 5.29%-3.64%7,313.0 Lease liabilities- 3,577.1 3,640.6 - 1.78%- Non-financial LiabilitiesCurrent tax liabilities (net)2,949.7 1,784.5 1,024.8 -65.26%-42.57%1,029.7 Provisions1,446.5 3,344.3 1,411.8 -2.40%-57.78%1,332.6 Other non-financial liabilities3,081.2 2,461.3 2,441.5 -20.76%-0.80%2,872.2 EquityEquity share capital2,269.0 2,268.8 2,268.8 -0.01%0.00%2,269.0 Other equity143,657.0 160,491.7 168,128.0 17.03%4.76%156,093.8 Total1,071,969.31,088,956.81,092,951.81.96%0.37%1,052,924.8 Key Metrics – Q2 FY20 Key Metrics Q2 FY20

liSHRIRAM

Tronoport ;nonce Company Urnitee

A WINNING RELATIONSHIP

P&L Metrics (Rs. mn)

Q2 FY19

Q1 FY20

Q2 FY20

YoY (%)

QoQ (%)

H1 FY19

H1 FY20

YoY (%)

FY19

Interest Income

39,184.0

40,014.6

41,128.6

4.96%

Less: Interest Expenses

18,674.9

20,397.2

20,761.0

11.17%

2.78%

1.78%

76,300.5

37,562.5

81,143.2

6.35%

154,441.4

41,158.2

9.57%

76,366.0

Net Interest Income

20,509.1

19,617.4

20,367.6

-0.69%

3.82%

38,738.0

39,985.0

3.22%

78,075.4

Other Income

Profit After Tax

EPS (Rs.)

232.8

274.7

433.6

86.25%

57.84%

409.4

708.3

73.01%

1,010.6

6,095.8

6,342.5

7,650.5

25.50%

20.62%

11,824.8

13,993.0

18.34%

25,639.9

Cost to income Ratio (%)

21.32%

21.78%

23.16%

8.59%

NIM (on AUM)

7.52%

7.16%

7.19%

-4.39%

6.33%

0.40%

26.86

27.96

33.72

25.54%

20.60%

52.11

22.13%

7.48%

61.68

18.36%

113.01

22.48%

1.59%

21.49%

7.17%

-4.13%

7.41%

Balance Sheet Metrics (Rs. mn)

Q2 FY19

Q1 FY20

Q2 FY20

YoY (%)

QoQ (%)

H1 FY19

H1 FY20

YoY (%)

FY19

Networth

Book Value (Rs.)

Interest Coverage (x)

ROA (%)

ROE (%)

CRAR (%)

145,649.8

162,484.5

170,120.4

16.80%

643.18

717.38

751.04

16.77%

2.11

1.97

1.99

-5.45%

4.70%

4.69%

1.21%

2.22%

2.26%

2.67%

20.18%

18.49%

16.97%

15.80%

18.37%

8.27%

16.26%

16.69%

20.08%

20.35%

21.93%

1.34%

145,649.8

170,120.4

16.80%

158,086.6

643.18

2.04

2.21%

16.75%

16.69%

751.04

16.77%

697.99

1.98

-2.88%

2.03

2.47%

11.78%

2.33%

17.11%

2.12%

17.52%

20.35%

21.93%

20.27%

13

P&L Metrics (Rs. mn)Q2 FY19Q1 FY20Q2 FY20YoY (%)QoQ (%)H1 FY19H1 FY20YoY (%)FY19Interest Income39,184.040,014.641,128.64.96%2.78%76,300.581,143.26.35%154,441.4Less: Interest Expenses18,674.920,397.220,761.011.17%1.78%37,562.541,158.29.57%76,366.0Net Interest Income20,509.119,617.420,367.6-0.69%3.82%38,738.039,985.03.22%78,075.4Other Income232.8274.7433.686.25%57.84%409.4708.373.01%1,010.6Profit After Tax6,095.86,342.57,650.525.50%20.62%11,824.813,993.018.34%25,639.9EPS (Rs.)26.8627.9633.7225.54%20.60%52.1161.6818.36%113.01Cost to income Ratio (%)21.32%21.78%23.16%8.59%6.33%22.13%22.48%1.59%21.49%NIM (on AUM)7.52%7.16%7.19%-4.39%0.40%7.48%7.17%-4.13%7.41%Balance Sheet Metrics (Rs. mn)Q2 FY19Q1 FY20Q2 FY20YoY (%)QoQ (%)H1 FY19H1 FY20YoY (%)FY19Networth145,649.8162,484.5170,120.416.80%4.70% 145,649.8 170,120.4 16.80%158,086.6Book Value (Rs.)643.18717.38751.0416.77%4.69%643.18751.0416.77%697.99Interest Coverage (x)2.111.971.99-5.45%1.21%2.041.98-2.88%2.03ROA (%)2.22%2.26%2.67%20.18%18.49%2.21%2.47%11.78%2.33%ROE (%)16.97%15.80%18.37%8.27%16.26%16.75%17.11%2.12%17.52%CRAR (%)16.69%20.08%20.35%21.93%1.34%16.69%20.35%21.93%20.27% Borrowing Profile as on Sep 30, 2019 vs Sep 30, 2018 Borrowing Profile as on Sep 30, 2019 vs Sep 30, 2018

*SHRIRAM

Tranoport Fmance Company L.P.

A WINNING RELATIONSHIP

Rs 881.93 bn Rs 881.93 bn

Rs 905.93 bn Rs 905.93 bn

• Bonds, 32.11%

Bonds, 25.04%

Borrowings in Foreign currency, 3.20%

Term Loan, 18.99%

Subordinated debts, 5.39%

• Securitisation,

19.36%

Commercial Paper, 7.62%

Other Borrowing, 2.99%

Public Deposit, 10.34%

Borrowings in Foreign currency, 12.20%

Term Loan, 15.77%

Commercial Paper , 0.15%

•

Other Borrowing, 2.67%

Public Deposit, 12.62%

Subordinated debts, 6.75%

Securitisation, 24.80%

14

Bonds, 32.11%Commercial Paper, 7.62%Other Borrowing, 2.99%Public Deposit, 10.34%Securitisation, 19.36%Subordinated debts, 5.39%Term Loan, 18.99%Borrowings in Foreign currency, 3.20%Q2 FY19Bonds, 25.04%Commercial Paper , 0.15%Other Borrowing, 2.67%Public Deposit, 12.62%Securitisation, 24.80%Subordinated debts, 6.75%Term Loan, 15.77%Borrowings in Foreign currency, 12.20%Q2 FY20Borrowing Profile as on Sep 30, 2019 vs June 30, 2019 Borrowing Profile as on Sep 30, 2019 vs June 30, 2019

*SHRIRAM

Tranoport Fmance Company L.P.

A WINNING RELATIONSHIP

Rs 906.04 bn Rs 906.04 bn

Rs 905.93 bn Rs 905.93 bn

Bonds, 29.93%

Bonds, 25.04%

Borrowings in Foreign currency, 9.99%

Term Loan, 15.67%

Commercial Paper , 1.77%

Other Borrowing, 1.61%

Public Deposit, 12.18%

Borrowings in Foreign currency, 12.20%

Term Loan, 15.77%

Commercial Paper , 0.15%

•

Other Borrowing, 2.67%

Public Deposit, 12.62%

Subordinated debts, 6.81%

Securitisation, 22.04%

Subordinated debts, 6.75%

Securitisation, 24.80%

15

Bonds, 25.04%Commercial Paper , 0.15%Other Borrowing, 2.67%Public Deposit, 12.62%Securitisation, 24.80%Subordinated debts, 6.75%Term Loan, 15.77%Borrowings in Foreign currency, 12.20%Q2 FY20Bonds, 29.93%Commercial Paper , 1.77%Other Borrowing, 1.61%Public Deposit, 12.18%Securitisation, 22.04%Subordinated debts, 6.81%Term Loan, 15.67%Borrowings in Foreign currency, 9.99%Q1 FY20Shareholding Pattern as on Sep 30, 2019 vs Sep 30, 2018 Shareholding Pattern as on Sep 30, 2019 vs Sep 30, 2018

*SHRIRAM

Tranoport Fmance Company L.P.

A WINNING RELATIONSHIP

No. of shares outstanding: 226.88 mn No. of shares outstanding: 226.88 mn

Other Corporate Body, 11.77%

MF/Bank , 4.21%

NRI/OCBs auur

0.16% r

Public, 7.30%

Promoter, 26.08%

Q2 FY19

Other Corporate

MF/Bank , Body, 4.22% 0.65%

Public, 6.33%

NRI/OCBs , 0.14%

• Promoter, 26.25%

• Fll & FPI ,

50.48%

Fll & FPI , 62.41%

16

Promoter , 26.08%FII & FPI , 50.48%NRI/OCBs , 0.16%MF/Bank , 4.21%Other Corporate Body , 11.77%Public , 7.30%Q2 FY19Promoter , 26.25%FII & FPI , 62.41%NRI/OCBs , 0.14%MF/Bank , 4.22%Other Corporate Body , 0.65%Public , 6.33%Q2 FY20Has Attracted Strong Interest from Quality Investors Has Attracted Strong Interest from Quality Investors

SHRIRAM

Tranaport Pmance Company Lerma

A WINNING RELATIONSHIP

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

private

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

Key Shareholders

Shriram Capital Limited

Sanlam Life Insurance Limited

Govemment Pension Fund Global

Fidelity Investment Trust Fidelity Series Emerging Markets

Investec Global Strategy Fund - Asian Equity Fund

Abu Dhabi Investment Authority -(Under Various sub accounts)

Generation IM Fund PLC-Generation IM Asia Fund

T. Rowe Price New Asia Fund

Govemment Of Singapore

HDFC Trustee Company - HDFC Capital Builder Value Fund

Current Shareholding (Mn Shares) 59.50

6.76

4.96

4.18

3.65

3.62

3.50

3.17

3.12

3.04

26.23

2.98

2.19

1.84

1.61

1.60

1.54

1.40

1.38

1.34

Public & Others

Total

131.38

226.88

57.89

100.00

17

Key ShareholdersCurrent Shareholding (Mn Shares) % Shriram Capital Limited59.5026.23Sanlam Life Insurance Limited6.762.98Government Pension Fund Global4.962.19Fidelity Investment Trust Fidelity Series Emerging Markets4.181.84Investec Global Strategy Fund - Asian Equity Fund3.651.61Abu Dhabi Investment Authority -(Under Various sub accounts)3.621.60Generation IM Fund PLC-Generation IM Asia Fund3.501.54T. Rowe Price New Asia Fund3.171.40Government Of Singapore3.121.38HDFC Trustee Company - HDFC Capital Builder Value Fund3.041.34Public & Others131.3857.89Total226.88100.00 Contact Us Contact Us

For any Investor Relations For any Investor Relations queries please contact queries please contact

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

SHRIRAM

Tranaport Fmance Company Lonitee

ii

A WINNING RELATIONSHIP

18

About Us About Us

liSHRIRAM

Tranaport Pmance Company Urnitee

A WINNING RELATIONSHIP

About Shriram Transport Finance Co. Ltd. About Shriram Transport Finance Co. Ltd.

Shriram Transport Finance Co Ltd. is the largest asset financing NBFC in India with Assets under management Rs. 108,120.24 Shriram Transport Finance Co Ltd. is the largest asset financing NBFC in India with Assets under management Rs. 108,120.24 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 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 1,669 branches, and employs 28,522 employees including 22,745 Business Team. The pan-India presence with a network of 1,669 branches, and employs 28,522 employees including 22,745 Business Team. The company has built a strong customer base of approx. 2.06 mn. Over the past 40 years, it has developed strong competencies in company has built a strong customer base of approx 2.06 mn. Over the past 40 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 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 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 loans and working capital finance, etc. For more information please visit www.stfc.in

Forward Looking Statement Forward Looking Statement

Certain statements in this document with words or phrases such as “will”, “should”, etc., and similar expressions or variation of 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 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. 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 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 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 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. undertake to update any forward-looking statements that may be made from time to time by or on behalf of the company.

19

SHRIRAM

Transport Finance Company Limited

A WINNING RELATIONSHIP

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