Slide 1: Earnings Update filing letter to exchanges
May 20, 2026 Scrip Code – 535789, 890192 SAMMAANCAP/EQ, SCLPP BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, “Exchange Plaza”, Dalal Street, Bandra-Kurla Complex, Bandra (E). MUMBAI – 400 001 MUMBAI – 400 051 Sub: Earnings Update for the quarter and financial year en
Slide 2: Investor Presentation | FY26
Investor Presentation | FY26 1
Slide 3: Safe Harbour
Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by Sammaan Capital Limited (the “Company’), have been prepared solely for information purposes and do not directly or indirectly constitute any offer, advertisement, recommendation or invitation
Slide 4: IHC is the New Promoter of Sammaan Capital
IHC is the New Promoter of Sammaan Capital 3
Slide 5: Transaction Update, Board & Operational Integration
Transaction Update, Board & Operational Integration Sammaan Capital is now a part of IHC Group Transaction closed, with share allotment to IHC completed on March 31, 2026 IHC’s current equity ownership stands at 28.5%; IHC will own 43.5% of Sammaan after warrant conversion IHC is the promoter and st
Slide 6: Transaction Recognised in India – UAE Strategic Investment
Transaction Recognised in India – UAE Strategic Investment • The transaction has been acknowledged within the official India–UAE bilateral engagement framework ET Article Dated: 20th May-26 • Signals long-term UAE commitment to India’s financial sector and to Sammaan Capital’s growth platform Thani
Slide 7: IHC : The Promoter Story
IHC : The Promoter Story SAMMAAN CAPITAL
Slide 8: About IHC: A Permanent Strategic Partner
About IHC: A Permanent Strategic Partner IHC's Key numbers* Market Cap Total Assets Revenue/Net Profit Total Equity EPS Cash & Bank Balance $233 bn $121.3 bn $8.6 bn/$ 2.2 bn $67.9 bn $0.6 $20.4 bn (Q1 26) (+246.3% YoY) IHC’s Global Footprint & Key Investee Companies 1,300+ Subsidiaries 100+ Countri
Slide 9: SCL: IHC's India Flagship & Future Consolidation Vehicle
SCL: IHC's India Flagship & Future Consolidation Vehicle USD 1 Bn+ Committed to SCL; SCL Is IHC’s Anchor Investment 1 • Indian financial services are a key strategic focus area for IHC In Indian Financial Services • IHC is strategically focused on technology and AI, viewing them as key multipliers o
Slide 10: Benefits Of IHC As A Strategic Promoter
Benefits Of IHC As A Strategic Promoter A reputed global institution with strong financial services expertise and shared conviction in SCL’s accelerated growth strategy IHC’s Superior Risk Management & Governance Balance Sheet Fortified for Growth • Superior Compliance • Rating upgrades unlocks lowe
Slide 11: The IHC Era: Springboard to Growth
The IHC Era: Springboard to Growth 10
Slide 12: Primed for Growth: Provision Buffer, Fortress Balance Sheet, Two-Decade Knowledge
Primed for Growth: Provision Buffer, Fortress Balance Sheet, Two-Decade Knowledge FY26 • One unified Opening AUM, zero NPA: No incremental net provisions required in future Net Worth (₹ Cr) Total AUM (₹ Cr) on Opening AUM of ₹ 53,160 Cr • Provision Buffers Capture Terminal credit costs: ~1.9% annual
Slide 13: The Fuel for Growth: Profit from Fully De-risked Book to Fund Growth
The Fuel for Growth: Profit from Fully De-risked Book to Fund Growth Cumulative Product AUM Yield Actuarial Prospective Collection Portfolio (₹ Crore) Range Tenure Funding Strategy Efficiency (%) Source to sell to Source to hold: Residential housing banks: Affordable and Substantial provision buffer
Slide 14: Growth Driven by IHC’s Financial Power: Rating Upgrade & CoF Compression
Growth Driven by IHC’s Financial Power: Rating Upgrade & CoF Compression Rating Upgrade • Ratings upgrade to AA+: CRISIL (09th April-26), CARE (12th May-26) & ICRA (20th May-26) Rating Agency New Old • All three leading domestic credit rating agencies have upgraded within 50 days of IHC investment C
Slide 15: Growth from IHC-led Digital & AI Transformation
Growth from IHC-led Digital & AI Transformation Our strategic approach is intentionally disciplined, business-led, and governance-first helping us improve our execution quality, strengthen operational scalability, and support sustainable long-term value creation. Enhancing Customer Experience & Impr
Slide 16: AI Use Cases at Sammaan
Growth from IHC-led Digital & AI Transformation: AI Use Cases at Sammaan Use Case What it does Translating Into Tangible Outcomes Customer Service Co-pilot Agent-assist replies & history. Agent Productivity 30% increase by FY27 Vernacular Voice Bot 24x7 chat in 9 languages. Document AI / KYC OCR Aut
Slide 17: Growth Driven by IHC’s Financial Services Vision: Full Suite Lender
Growth Driven by IHC’s Financial Services Vision: Full Suite Lender FY30 Targets FY27/FY28 growth will be driven primarily by proven products, with newer products expected to gain scale in FY29/FY30 Business Loan against Machinery Green Loans: Solar / EV ~20,000 Micro-Construction Finance Employees
Slide 18: Business Projections
Business Projections Particulars FY27 FY28 FY29 FY30 Disbursals 30,100 50,500 72,500 92,000 Net Worth 22,300 25,500 28,200 31,500 AUM 70,700 1,03,000 1,42,000 1,94,000 Loan Book 53,000 73,500 97,500 1,30,500 PAT 1,400 3,200 4,500 5,600 Dividend 570 1,300 1,800 2,200 NIM % 3.5% 5.8% 7.2% 8.1% COF % 9
Slide 19: Prudent Approach to Risk: Portfolio Guardrails
Prudent Approach to Risk: Portfolio Guardrails Target Portfolio Mix To be Maintained till Perpetuity CRAR >20% 20% Gearing Capped @ 3.5x - 4x 20% 60% Liquidity - 6 months repayments in cash or 10-15% of borrowings whichever is higher Asset Light: ~30% of Total Disbursal Steady Policy of Dividend Pay
Slide 20: Financial Statements
Financial Statements SAMMAAN CAPITAL
Slide 21: Consolidated Income Statement
Consolidated Income Statement Particulars (in ₹ Cr) Q4FY26 Q4FY25 Q3FY26 FY26 FY25 Revenue from operations (i) Interest Income 1,074.08 1,494.62 1,500.16 5,586.91 7,179.68 (ii) Fees and commission Income 30.47 38.89 59.41 193.26 126.27 (iii) Net gain on fair value changes 116.94 382 518.7 956.33 535
Slide 22: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars (₹ in Cr) FY26 FY25 ASSETS (1) Financial Assets (a) Cash and cash equivalents 9,027.43 3,349.63 (b) Bank Balance other than (a) above 1,932.99 1,383.90 (c) Derivative financial instruments 771.05 63.28 (d) Receivables (I) Trade Receivables 18.58 13.86 (e) Loans
Slide 23: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars (₹ in Cr) FY26 FY25 LIABILITIES AND EQUITY LIABILITIES (1) Financial Liabilities (a) Derivative financial instruments - 57.61 (b) Payables (I) Trade Payables (i) total outstanding dues of micro enterprises and small enterprises - - (ii) total outstanding dues o
Slide 24: Appendix
Appendix SAMMAAN CAPITAL
Slide 25: Distinguished Board of Directors
Distinguished Board of Directors Mr. Subhash Sheoratan Mundra Mr. Alwyn Crasta (Chairman & Independent Director) (Non-Executive & Non-Independent Director) o Former Deputy Governor of RBI o Expertise in banking, supervision & administration o Group CFO at IHC (PJSC) o Other directorships: Airtel Pay
Slide 26: Shareholding Pattern
Shareholding Pattern Avenir (IHC) , 28.5% Public, 39.7% MFs/Banks/IFI/ Insurance Companies, 12.6% Employee Welfare Trust, 1.4% Foreign Institutional Shareholding, 17.8% Note: Avenir (IHC) current stake is 28.5%; this is to increase to ~43.5% upon ~₹3,198 Crs warrant infusion, subject to conversion N
Slide 27: Thank You
Thank You COMPANY : INVESTOR RELATIONS ADVISORS : Sammaan Capital Limited MUFG Intime India Private Limited A part of MUFG Corporate Markets, a division of MUFG Pension & Market Services CIN : L65922DL2005PLC136029 ibsecretarial@sammaancapital.com ibsecretarial@sammaancapital.com Mr. Nikunj Jan niku