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� - Disclaimer E ND E A V O � S 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. 2
Table of Content � zyxwvutsrqponmlkjihgfedcbaZYXWVUTSRQPONMLKJIHGFEDCBA E N D E A V O � S 04 MAS AT A GLANCE MAS 05 JOURNEY OF 100 QUARTERS 06 STRONG FUNDAMENTALS 07 NAVIGATING COVID 19 PANDEMIC 10 MORATORIUM & COLLECTION TREND 11 PRODUCT OFFERINGS 13 LIABILITY MANAGEMENT 14 GOING FORWARD 15 FINANCIAL REVIEW 22 CREDIT QUALITY 25 REPUTED MARQUEE INVESTORS 26 FINANCIAL STATEMENT FY18- Q1 FY21 27 ASSIGNMENT INCOME RECONCILIATION 28 MAS RURAL HOUSING & MORTGAGE FINANCE LIMITED (MRHMFL) – SUBSIDIARY MAS 30 NAVIGATING COVID 19 PANDEMIC (MRHMFL) 32 FINANCIAL PERFORMANCE – Q1 FY21 (MRHMFL) 34 LIABILITY MANAGEMENT (MRHMFL) 35 CREDIT QUALITY (MRHMFL) 36 UNDERSTANDING MAS MAS
MAS at a Glance 25 Years of Endeavours 56,577 Mn. 6 105 AUM States and NCR Branches of Delhi 3,455 7,00,000 + Customer locations Active loan accounts Diversified Product Portfolio Micro-Enterprise Loans SME Loans 2-Wheeler Loans Commercial Vehicle Loans (MEL) 4
Journey of 100 Quarters � � zyxwvutsrqponmlkjihgfedcbaZYXWVUTSRQPONMLKJIHGFEDCBA E N D EA v o :U s Asset Under Management (AUM) 59,663 53,384 41,570 31,561 25,650 20,052 13,910 10,123 6,909 3,884 5,118 2,682 2,312 2,597 1,510 20 4Q 44Q 48Q 52Q 56Q 60Q 64Q 68Q 72Q 76Q 80Q 84Q 88Q 92Q 96Q 100Q 1,782 Profit After Tax (PAT) 1,521 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 96-100 (In INR Mn.) 5 Figures up to March 17 is as per I-GAAP and from thereon it is IND-AS
Strong Fundamentals � � zyxwvutsrqponmlkjihgfedcbaZYXWVUTSRQPONMLKJIHGFEDCBA E N D EA v o :U s Enablers for Navigating through current unprecedented challenges STRONG PROVISION SUCCESSFUL TRACK ROBUST LIQUIDITY HIGHLY CAPITALISED BUFFER & PORTFOLIO RECORD POSITION QUALITY • Successfully withstood • Adequetly capitalised for • Consistent track record of • Cash and cash equivalent multiple headwinds over future growth. Sufficient high-quality portfolio with of INR 13,000 Mn. as on 31 st July 2020. the years. capital to continue the NNPA of 1.14% as on 30th growth momentum June 2020. • Proven track record of 25 without raising equity • Sufficient liquidity to capital in the near and • High Covid-19 related years with AUM CAGR of cover opex and debt medium term. 39.68% and PAT CAGR of provisioning buffer of INR liabilities for atleast next 45.36%. 508.76 Mn. which is 12 months. • Capital Adequacy of 1.62% of the on book 34.93% ,Tier I Capital Assets. • Positive across all ALM Adequacy of 32.20% & buckets. Tier II Capital Adequacy of 2.73% Note: Capital Adequacy Ratio has been calculated in anticipation of RBI Guidelines, whereby accumulated upfront gain on direct assignment transaction of INR 568.55 Mn. has been netted off from the Owned Fund. 6
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