-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 & middle Income segments

Our Process

Our Technology

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

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 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

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 Crs NPA levels levels lowest in the industry at 1%

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 base Over US $ 1 billion NPA levels levels lowest in the industry at 1%

Future Plans Boost Network New ProductsNew SegmentsImprove MarginsAlliances 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 INR Mn (Consolidated)FY ’05FY ’06FY ‘07FY ‘08FY ‘09 Total Interest Income 1,786.22,447.23,568.15,539.37,311.5 Total Interest Expense 1,147.41,586.52,466.83,882.35,221.7 Net Interest Income ,101.41,657.02,089.8 PAT Asset Book 16, , , , ,358.5 Net Worth Borrowings 16, , , , ,760.7 Capital Adequacy Ratio 16.5%13.3%14.1%17.0%16.2% Sanctions 8, , , , Disbursements 6, , , , Net Interest Margin (NIM) (%) Net NPA’s (%) BOOK VALUE (Rs.)

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

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

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

Key Growth Parameters (contd.) Disbursements have grown at CAGR of 35.8%.

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%.

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