SPANDANA SPHOORTY FINANCIAL LIMITED

HTTP://WWW.SPANDANAINDIA.COM/

Micro Finance Industry Overview

HTTP://WWW.SPANDANAINDIA.COM/

Micro Finance – an INR 3.8 tn opportunity

Particulars # in Mn

Population 1,350

No. of HHs 287

Target HHs 63

Avg. Credit requirement for HH p.a. (INR) 60,000

Total Demand for Micro Finance 38,00,000

Current Reach 12,30,000

Credit Gap 25,70,000

76% of Poor are casual Labour farm,

Self employed non-farm and self

employed farm who depend on informal

sources for their credit requirements

60

36

24

13

14

10 10

Uttar Pradesh

Bihar

Madhya Pradesh

Jharkhand

Odisha

Chhattisgarh

Rajasthan

No. of poor

(Mn) in low

income states

HTTP://WWW.SPANDANAINDIA.COM/ 5

• 650,000 Villages, 850 Million People and 125,000 bank branches

• 80% of India’s poor live in rural areas

• 46% of people in rural are poor vis-a-vis 23% in Urban

• Rural Per-capita expenditure is surpassing urban

• Per-capita GDP in rural regions has grown at a CAGR of 6.2% since 2000

• Rural India is growing by leaps and bounds with higher non-farm earnings

• Growth in Agricultural sector was over 7% compared to 3% of industrial sector

• 230,000 Mn is allocated under the PMAY to complete 10Mn houses by 2019

• Between 2005 and 2025 rural consumption level is anticipated to rise to the current urban levels

• 330Mn Mobile users and 46Mn Internet users in Rural areas

“Bharat” is the new India - The Direction is to “Go Rural” 1B

Company Overview

HTTP://WWW.SPANDANAINDIA.COM/

TRAN

SPA

REN

CY

RESPO

NSIV

EN

ESS

INTEG

RIT

Y

CO

MM

ITM

EN

T

TE

AM

SPIR

IT

7

Spandana - Mission and Value

Mission

We want to be the largest microfinance institution, offering financial and non financial products and services to low

income households to improve their quality of life. We work hard every day, to be the most customer centric and

employee friendly institution while maintaining highest level of transparency and integrity.

About Spandana

• As the name says “Spandana Sphoorty – Responsiveness to the Inspiration” so

has our Founder Ms. Padmaja Reddy made an idea, an inspirational story for the

women of all segments. The brain child of a few like minded individuals with

expertise in their respective professions, have made it a success story.

• Spandana Sphoorty Financial Ltd (SSFL) has presence pan India with its Head

Office based out of Hyderabad.

• We have an employee base of 3800+ professionals.

• The company came in existence with a noble thought of upgrading the economic

and social life of rural women, started by a woman for the women.

• After putting in the hard work of 20 years the company has seen many families

flourishing and growing from the scratch to giving employments to various other

individuals.

HTTP://WWW.SPANDANAINDIA.COM/

Spandana today in a very strong position...

20 years of track record in

Microfinance

3,858 Cr (INR) of

disbursements in FY18

1.59 Mn Women Borrowers

694 Branches

2,669 Feet on Street

15 States, 213 Districts &

over 50k villages

2,959 Cr (INR) of Assets Under

Management

90% Borrowers in Un-served/

underserved Rural areas

0.1% Net PAR 0+ days

As of March 2018

Diversified Geographical Presence as on 28th February, 2018

Opened 27 branches in one month

Awards and Accolades

CMO Asia Awards, Singapore Spandana MD, Mrs. G. Padmaja Reddy, awarded as woman CEO of the year

The Rising Leadership Most trusted micro finance company of the year 2017

TIMES NETWORK Spandana MD, Mrs. G. Padmaja Reddy received CEO of the year for 2017

Worldwide Achievers Business Leaders

Summit Best Microfinance Institution in South India

by World Pride of Telangana Awards

HRD Congress

Spandana MD, Ms. G. Padmaja Reddy, awarded as Pride of Telangana for

women Leadership

The Best Micro Financial Company of

the year, APS Awards The Best Micro Financial Company for the Year 2017

Strong Growth Momentum

*Highest growth rate

among NBFC MFIs in

terms of Gross Loan

Portfolio

*Highest Growth rate

in terms of Loan

Disbursement

*4th Largest NBFC

MFI in terms of

Gross Loan Portfolio

Achieved 99.95%

Collection Efficiency

for the month of

February, 2018

Achieved PAT of INR

146 Cr for 11MFY18,

recording a strong

growth YOY.

1

1

4

*Data Source: MFIN Micrometer

99.95

%

146Cr PAT

What is our Business?

7.80%

48.70%

40.50%

Destitute and economically inactive

population

Live on charity, Government Pensions etc

Low income house holds: The working class

Not fully served by the bankers. Government schemes

limited to employment provision. Potential Microfinance

Market

Upper middle and Rich class: Have reliable income, asset

base. Banking sector is active. Limited Government support

3.00% Ultra Rich: Self sufficient economic and financial resources.

Access to large funds, personalized banking service

Who are our Customers?

Potential Client

Agri-Labor

Artisans

Self-Employed Traders

Small Manufacturers

Tenant Farmers