/'ffi-\ ry S.A.s FINANCIAL SERVICES LIMITED fr2 aoweftJai*i6utbrl - PDF document

/'ffi-\ €ry S.A.s FINANCIAL SERVICES LIMITED fr2 aoweftJai*i6utbrl MFSI-/sEc/EoL/2018/18 May 09, 2018 To, To, The Manager, GeneralManager NationalStock Exchange of India Limited Phiroze .,eejeebhoy Towe rs Exchange Plaza DalalStreet Plot No. C/1, G Block N4umbai- 400001 Bandra-Kurla Complex Bandra (East) Mumbai-400051 Scrip Code:540749 Trading Symbol: MASFIN DearSir, Sub.: Investor Presentation {Consolidated) torthe quarter and vear ended on March 31,2018 Please find enclosed herewith Investor Presentation (Consolidated) for the quarter and year ended March 31.2018. Thanking you, Yours faithfully, For, !ffiAF Financial services limited Riddhi Bhaveshbhai Bhayani Company Searetary and Compliance Officer ACS No.r 41206 Encl.: As above Regcl. Otlice : t + 91 (O) 79 3001 6500 / 079 41 106500 E + 91(O)79 3oo1 6597,+ 91 (O)79 3001 6561 6, Ground Floor, Narayan Chambers, B,h Patang Holel, Ashram Road, Ahmedabad.38o 009.@ mvll/.mas.co.in B mlsl@mas,co.in CIN : U65910GJ1995PLC026064

INVESTOR PRESENTATION – Corporate Q4 FY18 Presentation (CONSOLIDATED) REGISTERED OFFICE MAS Financial Services Limited CIN: U65910GJ1995PLC026064 ADDRESS: 6, Ground Floor, Narayan Chambers, Ashram Road, Ahmedabad-380009

Disclaimer This presentation has been prepared by and is the sole responsibility of MAS Financial Services Limited (together with its subsidiary MAS Rural Housing & Mortgage Finance Limited). By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not constitute or form part of any offer or invitation or inducement to sell or issue, or any solicitation of any offer or recommendation to purchase or subscribe for, any securities of the company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contractor commitment therefore. In particular, this presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. There is no obligation to update, modify or amend this communication or to otherwise notify the recipient if information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. Certain statements contained in this presentation that are not statements of historical fact constitute “forward -looking statements. ” You can generally identify forward-looking statements by terminology such as “aim”, “anticipate”, “believe”, “continue”, “could”, “estimate”, “expect”, “intend”, “may”, “objective”, “goal”, “plan”, “potential”, “project”, “pursue”, “shall”, “should”, “will”, “would”, or other words or phrases of similar import. These forward-looking statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the company’s actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements or other projections. Important factors that could cause actual results, performance or achievements to differ materially include, among other: (a) material changes in the regulation governing our businesses; (b) the company’s inability to comply with the capital adequacy norms prescribed by the RBI; (c) decrease in the value of the Company’s collateral or delays in enforcing the Company’s collateral upon default by borrowers on their obligations to the Company; (d) the Company’s inability to control the level of NPAs in the Company’s portfolio effectively; (e) certain failures, including internal or external fraud, operational errors, systems malfunctions, or cyber security incidents; (f) volatility in interest rates and other market conditions; and (g) any adverse changes to the Indian economy. This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. SLIDE: 2

Table of Content 4 Company Overview Mission, Vision and Belief 5 6 Milestones 7 Product Offerings 9 AUM & PAT 10 Key Performance Highlights – FY18 vs FY17 11 Key Performance Highlights – Q4 FY18 vs Q4 FY17 12 Financial Performance Trends – Q4 FY18 17 Retail Presence & Distribution Network Credit Assessment & Risk Management Framework 19 20 Quality of the Portfolio 22 Eminent Board of Directors Reputed Marquee Investors 24 25 Going Forward 26 Financial Statement: FY16 – FY18 27 Glossary SLIDE: 3

Company Overview SPECAILISED IN RETAIL LENDING SINCE 20 YEARS Diversified Product Portfolio Strong Retail Presence & Wide Distribution Network 6 states and Sourcing Intermediaries 5,00,000+ NCT of Delhi Micro-Enterprise loans(MEL) SME loans Active loan accounts 328 397 3,311 112 NBFCs Customer locations 2-Wheeler loans Commercial Vehicle loans 65 124 branches Housing loans CONSISTENT GROWTH AUM with immaculate Quality Consistent Profitability & Returns 4.45% Revenue: AUM: INR 43,184 Mn INR 1,207 Mn Return on (YoY Growth of 29.58% ) 17.33% Avg. Total Assets* Return on Avg. Net Gross NPA: 1.11% 3.00% Worth* Return on Avg. AUM* PAT: INR 306 Mn Net NPA: 0.88% EFFICIENT LIABILITY MANAGEMENT Capitalization (Standalone) Fund Raising 8.42% Cost of borrowings* TOTAL CRAR: 31.29%  NCDs  Term loans TIER I CRAR : 29.06% 36.81% of AUM  Commercial Paper All the above figures are for Q4 FY18  Assigned to Banks/FIs TIER II CRAR : 2.23% Cash credit * Figures have been annualized . SLIDE: 4

Vision, Mission & Belief VISION To be one of the most efficient distributors of financial services and create value on a very large scale. MISSION To constantly endeavour, to attain excellence and create a very wide Financial distribution network and to be catalyst; in providing the most efficient financial services which we term as financial inclusion. BELIEF “We have miles to go & Promises to keep……” “Together we can and we will” SLIDE: 5

Major events and milestones in the history Listing of Equity Shares on Bombay Stock Exchange & National Stock Exchange. Capital Infusion of INR 350 Mn. by Motilal 2018 Oswal. Raised fresh Capital of INR 2,330 Mn. in IPO 2017 AUM crossed INR 30 Bn. Capital Infusion of INR 1,000 Mn. by Motilal Oswal. Bank loan rating upgraded to “IND A” with Stable outlook 2016 Raised Subordinate Debentures of INR 400 Mn Raised Subordinate Debentures of INR 200 Mn 2015 AUM crossed INR 20 Bn 2014 Sarva Capital purchased 50% CCPS held by FMO in secondary deal 2013 Disbursement & AUM crossed INR 10 Bn 2012 Fourth round of capital infusion of INR 650 Mn by DEG 2011 Listing of NCDs on Bombay Stock Exchange Second and third round of Capital infusion by FMO & ICICI Venture of INR 435 Mn and INR 400 Mn respectively 2008 Floated housing finance subsidiary 2006 First round of Capital infusion of INR 65 Mn by Bellwether Micro Fund MAS Financial Services Limited got incorporated . Started retail finance operations into Two-wheeler loans and 1995 Micro-Enterprise loans. SLIDE: 6

Diversified product offerings presenting significant growth opportunities MAS focuses on serving the underserved credit needs of mid and low income group segments Micro-Enterprise Loans SME Loans   Loans of up to INR 300,000 to Micro-Enterprises who Loans of up to INR 50 mn to SMEs who primarily include primarily include retailers, traders, small manufacturers manufacturers, distributors, dealers and service providers and service providers engaged in various industries   Tenure up to 36 months; Average ticket size in Q4 FY18 – SME loans include working capital loans, loans for INR 43,802 machinery and loans to purchase Industrial Sheds.  AUM as of March 31, 2018 – INR 25,763 Mn  Tenure up to 60 months; Average ticket size in Q4 FY18 – INR 8.10 Mn  AUM as of March 31, 2018 – INR 10,295 Mn Commercial Vehicle (CV) Loans Two Wheeler Loans   Two-wheeler loans to our customers, who primarily Loans of up to INR 700,000 for the purchase of new and include farmers, self-employed and salaried individuals used CVs to small road transporters, used cars to small and professionals traders and manufactures and tractors to the persons engaged in Agricultural activities  Tenure up to 36 months; Average ticket size in Q4 FY18 –  INR 46,015 Tenure up to 60 months; Average ticket size in Q4 FY18 – INR 187,591  AUM as of March 31, 2018 – INR 3,624 Mn  AUM as of March 31, 2018 – INR 1,462 Mn Housing Loans  Loans of up to INR 5 Mn for residential and INR 10 Mn for commercial  Provides housing loans to customers, who are primarily salaried and self-employed individuals and loans to developers for construction of affordable housing project  Tenure up to 240 months for residential and 120 months for commercial  Average Ticket size of Housing Loans to individual in Q4 FY18 – INR 732,904  AUM as of March 31, 2018 – INR 2,040 Mn SLIDE: 7