Investor Presentation

Here's a summary of the attached file, adhering to your preferences: **1. Financial Highlights:** Q1FY26 PAT ₹81 Cr, down 13% YoY due to a 99% surge in Credit Costs (₹102 Cr). Pre-Provisioning Operating Profit (PPoP) rose 18% YoY to ₹207 Cr.

Lending AUM is ₹13,351 Cr (53% Direct to Customer). Net NPA held at 0.56%. **2. Strategic Initiatives & Growth Drivers:** Strategic pivot to Direct to Customer (D2C) lending, targeting >2/3 of AUM in 3 years.

Expanding MSME & Consumer Finance.

Aims to boost fee income from Fund Management & Placements for 30-40 bps RoA improvement.

Tech tools (NuScore, nPOS) enhance operations. **3. Business Developments:** Expanded D2C with 11 new MSME branches in Q1FY26. Deepened Consumer Finance partnerships.

Continues innovating structured credit solutions for Intermediate Retail Partners. **4. Market Position & Competitive Advantage:** Maintains a diversified, granular loan book with solid asset quality (0.56% Net NPA), backed by proprietary ML models & robust collections.

Strong, diverse funding, plus proactive liquidity management. **5. Investor Implications:** While Q1 profit was impacted by provisions, core operations remain robust.

The D2C/fee income strategy offers positive growth potential.

Monitor asset quality and execution towards 3-year profitability targets (RoA 3.7-4%, RoE 16-18%).