Jffi{ J\ � F I NA N C I A L S E R V I C ES L I M I T E D 'I1ie <Paw er of <Dist ri 6u twn F e b r u a ry 07 , 2 0 2 0 M F S L / SE C / E Q/ 2 0 2 0 / 0 9 T o , T o , G e n e r a l M a n a g e r T h e M a n a g e r , N a t i o n a l S t o c k E x c h a n g e o f I nd i a L i m i t e d B SE L i m i t e d E x c h a n ge P l a z a P h i r o z e J ee j ee b h o y T o w e r s P l o t N o . C / 1 , G B l o ck D a l a l S t r e e t B a n d r a - K u r l a C o m p l e x M u m b a i - 4 00 0 0 1 B a n d r a ( E a s t ) M u m b a i - 4 0 00 5 1 T r a d i n g S y m bo l : M A S F I N S c r i p C o d e : 5 4 0 7 4 9 D e a r S i r , S u b . : I n v e s t o r P r e s e n t a t i on f o r t h e q u a rt e r a n d n i n e m o n t h s e n d e d o n D e c e m b e r 3 1 , 2 0 1 9 . P l e a s e f i n d e n c l o s e d h e r e w i t h I n v e s t o r P r e s e n t a t i o n f o r t he q u a rt e r a n d n i n e m o n t h s e n ded D e c e m b e r 3 1 , 201 9 . T ha n k i n g y ou , Y o u r s f a i t h f u ll y , F o r , � J\ J& F i n a n c i a l S e rv i c e s L i m i t e d • · � R i d d h i B h a ve s h b h a i B h ay a n i C o m p a n y S e c r e t a ry a n d C o m p l i a n c e O ff i c e r A C S N o . : 4 1206 E n � I . : A s a b o v e , , R eg d . O ff i c e : \. + 9 1 ( 0 ) 0 7 9 4 1 1 0 6 5 0 0 / 0 7 9 3 0 0 1 65 0 0 � + 9 1 ( 0 ) 0 7 9 4 1 1 0 6 5 97 , + 9 1 ( 0 ) 079 4 1 1 0 6 5 6 1 6 , G r o un d F l o o r , N a r a y a n C h a m be r s , B / h P a t a n g H o t e l , A s h r a m R oad , A h m e dab a d - 380 0 09 . (II www . m a s . c o . i n C I N : L 6 5 9 1 0 G J 1 9 95 P L C 0 260 6 4 C!iiil m f s l @ m a s . c o . i n
<J'li e (p o w e r of (J) is t ri 6 u t io n INVESTOR Corporate PRESENTATION – Presentation Q3 FY20 REGISTERED OFFICE MAS Financial Services Limited 6, Ground Floor, Narayan Chambers, Ashram Road, Ahmedabad-380009
� sr ,, , Disclaimer E N D E A V O U R S 'I1i e <Powe r o f <D is t ri 6 u t io n 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. The adoption of Indian Accounting Standards (“IND - AS”) for the purposes of the company’s financial reporting. The disclosures provided here are to merely for comparing key differences with previous accounting standards. There is a possibility of the financial results and the additional disclosures to be updated, modified or amended because of adjustments which may be required to be made on account of introduction of new standards or its interpretation, receipt of guidelines or circulars from regulatory bodies and/ or Reserve Bank of India and/or changes because of exercising any available exemptions. SLIDE: 2
� sr ,, , Table of Content E N D E A V O U R S 'I1i e <Powe r o f <D is t ri 6 u t io n 4 Journey of 99 Quarters: Consistent Performance 6 Milestones Understanding MAS 7 19 Q3 FY19-20 Results Overview 20 21 Product Offerings Credit Assessment & Risk Management Framework 23 24 Retail Presence & Distribution Network Unique and Robust Distribution Network Through NBFC Partners 25 30 Liability Management 32 AUM & PAT 33 Key Performance Highlights – 9M FY20 vs 9M FY19 34 Key Performance Highlights – Q3 FY20 vs Q3 FY19 35 Financial Performance Trends – Q3 FY20 40 Quality of the Portfolio 42 Reputed Marquee Investors 43 Financial Statement: FY18 – 9M FY20 Assignment Income Reconciliation 44 45 Credit Quality MAS Rural Housing & Mortgage Finance Limited (MRHMFL) – Subsidiary 46 47 Financial Performance Trends – Q3 FY20 (MRHMFL) Liability Management (MRHMFL) 49 Credit Quality (MRHMFL) 51 Glossary 52 SLIDE: 3
� sr ,, , E N D E A V O U R S 'I1i e <Powe r o f <D is t ri 6 u t io n Journey of 99 Quarters: Consistent Performance SLIDE: 4
� sr ,, , Consistent Growth in AUM and PAT E N D E A V O U R S 'I1i e <Powe r o f <D is t ri 6 u t io n Asset Under Management (AUM) In INR Mn 59,604 53,384 41,570 31,561 25,650 20,052 6,909 10,123 13,910 3,884 5,118 2,682 2,597 2,312 1,510 20 4Q 44Q 48Q 52Q 56Q 60Q 64Q 68Q 72Q 76Q 80Q 84Q 88Q 92Q 96Q 99Q Profit After Tax (PAT) 1,521 1,425 1,034 674 534 390 311 259 183 132 157 80 75 69 22 0 Q 0-4 Q 40-44 Q 45-48 Q 49-52 Q 53-56 Q 57-60 Q 61-64 Q 65-68 Q 69-72 Q 73-76 Q 77-80 Q 81-84 Q 85-88 Q 89-92 Q 93-96 Q 96-99 SLIDE: 5 Figures up to March 17 is as per I-GAAP and from thereon it is IND-AS
- � " ' Major events and milestones in the history ,!:. O f E N D EA V O U R S '11i e rJ>ow e r of <D is t ri 6 u t io n AUM crossed INR 60 Bn. on a consolidated basis. H1 20 AUM crossed INR 50 Bn. 2019 Bank loan rating upgraded to “ACUITE AA - ” with Stable outlook and Short term rating assigned as ACUITE A1+. 2018 Listing of Equity Shares on Bombay Stock Exchange & National Stock Exchange Bank loan rating upgraded to “IND A” with Stable outlook 2016 Raised Subordinate Debentures of INR 400 Mn 2015 Raised Subordinate Debentures of INR 200 Mn 2014 Sarva Capital purchased 50% CCPS held by FMO from secondary market 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
� sr ,, , Understanding MAS E N D E A V O U R S 'I1i e <Powe r o f <D is t ri 6 u t io n Vision, Mission and Belief Team MAS AS Fundamentals – Assets, Liability and Operational excellence Going Forward…… SLIDE: 7
� " ' I ., <@> E N D E A V O U R S 'I1i e <Prnw r o f (l) is t ri 6 11. t io n ., I ' V I S I O N M I S S I O N 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: 8
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