-Aristotle-Aristotle

It has been exactly the same

in the Indian housing context

The DHFL Mission

Every Indian must have

Access to affordable, good

quality Housing

The DHFL Action

Purpose

Enabling access to home ownership

Target Segment

The low and middle income household

Strategy

Reach out to larger number of customers with smaller loans instead of servicing a small number of customers with large loans.

Creating a Customer Centric Organization

Our Core Customers

Comprising of groups who do not ‘fit’ into the formal frameworks of

normal banks and HFC’s considered ‘risky’ by them

They may have financial handicaps, but they have

integrity & self worth

The low & middleIncome segments

Our Process

Our Technology

Our Employees

Ordinary people who do extraordinary workAll fired by the values of Company mission

Periodic training & skill up-gradation in conjunction with our

customer profileEmphasis on quality, timely delivery and resolution of consumer

issues

A robust performance appraisal system with prime focus on motivating, and career planning

well Recognized & well Rewarded

Our Products

Our Reach

DHFL’s captive distribution network covers 190 locations

Tie-Ups with Public Sector Banks provide reach to an additional 85 locations

Acquisition of the housing finance arm of ING Vysya bank covering 25 locations

Alliances

Punjab & Sind Bank (“PSB”)Established in 1908, the Punjab & Sind bank has 905 branches / extension counters spread across India DHFL is presently addressing 45 locations with PSB in the states of Punjab, Haryana, Himachal Pradesh, and Jammu & Kashmir in Northern IndiaDHFL intends to scale up the location coverage to 200 with PSB

United Bank of India (“UBI”)Formed out of the amalgamation of four small banks of Bengal in December 1950, the Bank presently has ~1,500 branchesUBI played a significant role in the spread of banking services in different parts of the country, more particularly in Eastern and North-Eastern regions of IndiaDHFL is presently addressing 40 locations with UBI across the Kolkata and Howrah regions DHFL intends to scale up the location coverage to 500 with UBI

UAE ExchangeTie – up with UAE Exchange, Abu Dhabi to reach out to the vast NRI population in the UAE & GEC Countries

Trust Repaid

DHFL is the second largest housing finance company in the Indian private sector

From a modest beginning in 1984,

Fulfilling the housing needs

Over 2,00,000 families

Asset

INR 6394.51Crs

NPA levels

levels lowest in the industry at 1%

Future PlansBoost Network

New Products

New Segments

Improve Margins

Alliances

This is also expected to help in regional diversification of DHFL’s asset book

DHFL is looking at cross selling of innovative consumer finance products to existing creditable borrowers

DHFL plans to come up with various products for the self employed segments that have largely remained unaddressed by most financial institutions

•Better capital management to reduce funding costs•Technology to support scalability and operational efficiency

•Diversification of regional portfolio concentration•Ready customer base which can be exploited via cross selling initiatives and value added services

Business Performance

Key Growth ParametersNet Interest IncomeTop Line

Top line has grown at CAGR of 42.2% .

Net Interest Income has grown at CAGR of 34.5%.

Fig. in INR Mn

Key Growth Parameters (contd.)

Sanctions have grown at CAGR of 36.5%.

Sanctions have grown at CAGR of 36.5%.

Sanctions have grown at CAGR of 36.16%.

Sanctions have grown at CAGR of 36.16%.

Key Growth Parameters (contd.)

PAT has grown at CAGR of 32.7%.

PAT has grown at CAGR of 32.7%.

Book Value has grown at CAGR of 22.1%.

Book Value has grown at CAGR of 22.1%.

Asset Book has grown at CAGR of 38.4%.

Asset Book has grown at CAGR of 38.4%.

Borrowings have grown at CAGR of 38.7%.

Borrowings have grown at CAGR of 38.7%.

The

JourneyHas just

begun

With changing Indian scenario and more dreams in their eyes, our target audience is having

aspirations stoked to fever pitch.