Manappuram Finance Limited

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22 26th May 2021 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers 5th Floor, Exchange Plaza Dalal Street Mumbai- 400001 Scrip Code: 531213 Dear Madam/Sir, Ba

65 MT

hat are inherent in gold lending, with many firsts to its credit • Trusted brand: Safekeeping of 65 MT of household gold jewellery on behalf of 2.6 mn active customers • Appropriate use of technology:

29%

ture: Strict adherence to well defined processes, including timely auctions • Well capitalized (29% Tier 1 ratio), with strong ALM and access to diversified sources of funds • Board driven govern

20%

on needs (small ticket loans to underbanked customers) • Target to achieve cross-cycle growth of 15-20% with RoE of 25% Investor Presentation May 2021 4 PRODUCT STRATEGY: FOCUS ON SERVING UNDER BANKED

25%

ticket loans to underbanked customers) • Target to achieve cross-cycle growth of 15-20% with RoE of 25% Investor Presentation May 2021 4 PRODUCT STRATEGY: FOCUS ON SERVING UNDER BANKED CUSTOMERS WITH

INR 272,242

2021 4 PRODUCT STRATEGY: FOCUS ON SERVING UNDER BANKED CUSTOMERS WITH GOOD RISK ADJUSTED YIELDS INR 272,242m Launch Year Avg. Ticket Indicative Yield Band %Self- Employed Description and Rationale 7

70%

2m Launch Year Avg. Ticket Indicative Yield Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~IN

19%

aunch Year Avg. Ticket Indicative Yield Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~INR 25

22%

h Year Avg. Ticket Indicative Yield Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~INR 25k ~

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ative Yield Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~INR 25k ~INR 713k ~INR 654k 18% -26

4%

ield Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~INR 25k ~INR 713k ~INR 654k 18% -26% 66

2%

Band %Self- Employed Description and Rationale 70% 19% 22% Gold MFI CV HF Others 4% 4% 2% 2% Mar-21 1992 2015 2014 2014 ~INR 44k ~INR 25k ~INR 713k ~INR 654k 18% -26% 66% •

“Mn) CAGR:14% 111 117 130 191 170 197 202 191 177 CAGR:24% 16,979 12,303 7,260 6,895 7,905 FY17 FY18 FY19 FY20 FY21 Q1FY21 Q2FY21 Q3FY21 Q4FY21 FY17 FY18 FY19 FY20 FY21 Q1FY21 Q2FY21 Q3FY21 Q4FY21 3,691 4,056 4,653 4,580 NET WORTH (Rs.”

“• The IT services will be utilized in establishing a smarter automated solution.”

Environment

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Talent Management, Diversity and Inclusion, Community Investment & Socio-Economic Development, employee wellness

Governance

Ethical Practices, Strict Internal Control, Well organised management Investor Presentation May 2021 10 FINANCIAL HIGHLIGHTS Q4 & FY2021 KEY PERFORMANCE HIGHLIGHTS FOR Q4 & FY2021 Strong risk management at a time of heightened gold price volatility Well positioned on liquidity Non-Gold Businesses Outlook • Spot price of gold declined by 12% QoQ and by 21% from peak levels witnessed in 2QFY21 • Given the 3M average contracted loan duration for Manappuram, a significant proportion of loans disbursed at the time of peak gold price in 2QFY21 came due for repayment during 4QFY21 • Despite significant volatility in gold prices, the Company was able to arrest GNPA in the gold loan portfolio to less than 2%. Auctions during the quarter were Rs 404 crs as compared to Rs 8 crs during the 9M period ended Dec 20 • Lower gold prices impacted growth in gold AUM for the following reasons a) higher auctions in 4QFY21 and b) tendency of borrowers to foreclose loans ahead of impending auctions (Please r

DISCLAIMER

This presentation and the contents therein are for information purposes only and does not and should not construed to be any investment or legal advice. Any action taken or transaction pursued based on the basis of the information contained herein is at your sole risk and responsibility and Manappuram Finance or its employees or directors, associates will not be liable in any manner for the consequences of any such reliance placed on the contents of this presentation. We have exercised reasonable care in checking the correctness and authenticity of the information contained herein, but do not represent that it is true, accurate or complete. Manappuram Finance or associates or employees shall not be in anyway responsible for any loss or damage that may arise to any person from any inadvertent error or omission in the information contained in this presentation. The recipients of this presentation should make their own verifications and investigations to check the authenticity of the said