Manba Finance Limited — PPTs, 28-01-2025: Investor Presentation

**Financial Highlights:** Manba Finance's Q3 FY25 total income reached INR 406 Mn, with a net interest income (NII) of INR 361 Mn, reflecting a year-on-year growth of 64%. Net interest margin stands at 14.82%. For the nine months ending FY25, the firm recorded a total income of INR 1,037 Mn and a profit after tax (PAT) of INR 298 Mn, representing a 39% increase from the previous year.

**Strategic Initiatives and Growth Drivers:** Manba is expanding its product offering to include Used Car Loans and Small Business Loans while targeting new markets such as Uttar Pradesh and Madhya Pradesh. The company's relationship with Piaggio Vehicles aims to facilitate EV financing, which highlights a strong alignment with market transitions.

**Business Developments:** The company achieved record disbursements of INR 326.72 Cr in Q3 FY25, thanks to a focus on quick disbursement processes and a growing dealer network of 1,118. The credit rating outlook has improved, indicating a positive trajectory for borrower confidence.

**Market Position and Competitive Advantage:** With a robust presence across six states and a dealer network of over 1,100, Manba Finance has established itself as a player with rapid loan processing times and a customer-centric approach, which includes technological innovations in lending.

**Investor Implications:** Investors should note the company's significant growth in earnings and market share, alongside improving financial stability evidenced by low NPA ratios and rising equity. Manba appears well-positioned for continued expansion and market penetration in a growing financial services landscape. Positive outlook on credit ratings further enhances its attractiveness as a solid investment opportunity.