Problems affecting the largest number of people has the least attention paid to it

1. Problems affecting the largest number of people has the least attention paid to it -Aristotle 

2. It has been exactly the same in the Indian housing context 

3. The DHFL Mission Every Indian must have Access to affordable, good quality Housing 

4. 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. 

5. Creating a Customer Centric Organization EMPLOYEE Technology PROCESS 

6. Our Core Customers The low & middle Income segments 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 

7. Our Process Focus is on forging relationships with our customers Direct contact with customers at every stage business generation property verification collection and recovery Relationship officers in charge of every account Predictability of service as well as Speed of service 

8. Our Technology Regular up gradation of technology to ensure systems and processes deliver on time Integrated loan management system to service customers Enabling capture and retrieval of a large number of customer variables Facilitates building of predictive models for understanding credit behavior 

9. Our Employees Ordinary people who do extraordinary work All fired by the values of Company mission Periodic training & skill up-gradation in conjunction with our customer profile Emphasis 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 

10. Our Products • Developed & designed to meet the requirements of our customers : • Plots • Construction • Purchase of flats • Extension & Improvement Loans • Project Loans • Commercial loans including • Lease Rental Financing • Mortgage Loans • Non Resident Property Loans Built in protection plans offering Cover for loss of job Life cover against accidents and untimely demise Property cover against natural calamities  1st Housing Finance Company in India to offer reverse mortgage to senior citizens

11. Our Reach An Extensive Pan–India Network 300 locations across the country 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 

12. Alliances Tie-ups 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 India DHFL 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 branches UBI 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 India DHFL 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 Exchange Tie – up with UAE Exchange, Abu Dhabi to reach out to the vast NRI population in the UAE & GEC Countries

13. Trust Repaid DHFL is the second largest housing finance company in the Indian private sector Over 2,00,000 families From a modest beginning in 1984, Fulfilling the housing needs Asset NPA levels INR 6394.51Crs  levels lowest in the industry at 1%

14. Future Plans Boost 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

15. Business Performance 

16. Key Growth Parameters Net Interest Income Top Line Top line has grown at CAGR of 42.2% . Net Interest Income has grown at CAGR of 34.5%. Fig. in INR Mn 

17. Key Growth Parameters (contd.) Sanctions have grown at CAGR of 36.5%. Sanctions have grown at CAGR of 36.16%.

18. Key Growth Parameters (contd.) PAT has grown at CAGR of 32.7%. Book Value has grown at CAGR of 22.1%. Asset Book has grown at CAGR of 38.4%. Borrowings have grown at CAGR of 38.7%.

19. With changing Indian scenario and more dreams in their eyes, our target audience is having aspirations stoked to fever pitch. The Journey Has just begun