MAS Financial Services Limited — PPTs, 29-01-2025: Investor Presentation

**Financial Highlights:** MAS Financial Services reported a significant rise in its Asset Under Management (AUM) to ₹1,16,774 Cr, reflecting a year-over-year increase of 20.73%. Profit After Tax (PAT) surged to ₹781 Mn, a 25.09% increase from the previous year. The Net Interest Income (NII) for the quarter was ₹2,056 Mn, up 29.95%, while the operating expense ratio increased to 2.37%. The cost of borrowing remained stable at 9.84%. The capital adequacy ratio stands strong at 25.34% with Tier-I capital at 23.13%.

**Strategic Initiatives and Growth Drivers:** The company continues to focus on segment diversification, with micro-enterprise and SME loans driving growth. Plans are ongoing to leverage digitalization for enhancing operational efficiency and customer engagement.

**Business Developments:** MAS Rural Housing & Mortgage Finance Limited, the company’s subsidiary, achieved a 28.93% year-over-year growth in AUM, indicating a strong position in affordable housing finance with a growing geographic footprint.

**Market Position and Competitive Advantage:** MAS holds a robust market position backed by over 202 branches and partnerships with 191 NBFCs, enhancing its distribution network.

**Investor Implications:** With healthy financial metrics and ongoing digital initiatives, MAS presents a positive outlook for sustained growth, particularly in underserved market segments, potentially leading to enhanced shareholder value.