1. Credit Information Analytics- Evolution and Benefits 12 April 2013 Arun Thukral Managing Director

2. © 201 3 ALL RIGHTS RESERVED | PRIVATE2 Evolution of Indias first credit bureau CIBIL is Established CIBIL is the leading CIC in India 2004 20052009 2007 First and only credit bureau 4 million consumer records Commercial Database 0.6 million commercial records Consumer Portfolio review reports Advanced Analytical tools CIBIL TransUnion Score Personal Loan Score Bureau Credit Characteristics CIBIL Custom Solutions Accelerates solution offerings First central repository on Fraud and Mortgage Direct Consumer Access CIBIL Detect CIBIL Mortgage Check CIBIL provides world class solutions and has become the risk management partner for all lending institutions in India 2012

3. © 201 3 ALL RIGHTS RESERVED | PRIVATE3 Expanding CIBIL Membership CIBIL strengthened its membership to 903 members Including 373 NBFCs, 307 Cooperative Banks & 40 Rural Banks

4. © 201 3 ALL RIGHTS RESERVED | PRIVATE4 Consumer Database Snapshot Vast database consisting of nearly 261 million records

5. © 201 3 ALL RIGHTS RESERVED | PRIVATE5 Commercial Database Snapshot Strong database consisting over 12.5 million records

6. © 201 3 ALL RIGHTS RESERVED | PRIVATE6 Bureau usage Credit decisioning Bank Electronic format PDF format Enquiry – Web / Bulk Output Credit Managers CIBIL Individual Entity Check Business Entity Check Fraud Check Property Check SME Customer Loan Application Short-Term Mid-Term Long-Term Loan Application Short-Term Mid-Term Long-Term

7. © 201 3 ALL RIGHTS RESERVED | PRIVATE77 Credit Information Reports Bureau Scores Fraud Prevention tools Bureau Characteristics Custom Behavior Scores Segmentation Analysis Benchmarking Decision Trees Stress Testing Contact information Bureau Characteristics Segmentation Analysis Optimization Strategies CIBIL provides tools to enable smarter, more strategic decisions at every stage of the credit lifecycle Verification? Accept / reject? Tier pricing? Initial credit line? Credit line? Authorize? Pricing? Customer service levels? Market intelligence? Collection Prioritization? Effective contact? Treatment Strategies? Outsourcing? Resource Allocation? KEY ISSUES CIBIL TU TOOLS Collections / RecoveryPortfolio ManagementAccount Acquisition Credit-bureau based tools – generic scores, characteristics,. – are indispensible for effective decision management in consumer credit

8. CIBIL Mortgage Check

9. © 201 3 ALL RIGHTS RESERVED | PRIVATE9 CIBIL Mortgage Check Submission of mortgage loan accounts with property information Access based on Principle of Reciprocity Search Parameters: Property Address Supports csv input and output reports. Available online (web) and through bulk modes Output response: Mortgage Information Report to give all account & mortgage details related to the Property Data validation and loading Data validation and loading Transfer data files Potential HITS Rank ordered ______ Electronic format PDF format Search property address Institutions Output reports 9 million records

10. © 201 3 ALL RIGHTS RESERVED | PRIVATE10 CIBIL Mortgage Report Features the following information: Property information Address Property Area (Sq ft) Survey number Type of Security (Prime/ Collateral) Summary of present & past mortgages Member NameAccount number Account Open dateAccount Close dateReporting date Charge/ Mortgage creation dateCharge/ Mortgage release date Loan ValueMarket ValuationAgreement Value Mortgage details ChargeType of product EncumbrancesDocuments submittedPlace of mortgage Borrower information on each mortgage Name Date of birthGender Telephone(s)Address Identification number(s) – PAN, Passport no., Voter ID, Driving License No Enquiry log Enquiring MemberApplicant nameDateEnquiry purpose

11. Credit Activity Trends

12. © 201 3 ALL RIGHTS RESERVED | PRIVATE12 THE GROWTH IN CREDIT Is it different this time around? NEW ACCOUNTS BOOKED BY QUARTER 2006 to 2012 2006 2008 2010 2012 GROWTH IN UNSECURED LENDING UNSECURED LOAN DRIVEN GROWTH SECURED LOAN DOMINATE WITH TIGHT CREDIT CONTROLS

13. © 201 3 ALL RIGHTS RESERVED | PRIVATE13 THE GROWTH IN CREDIT Has it resulted in higher credit penetration? SHARE OF NEW TO CREDIT BORROWERS 2006 to 2012 2006 2008 2010 2012

14. © 201 3 ALL RIGHTS RESERVED | PRIVATE14 THE GROWTH IN CREDIT What loans are credit active customer taking? SHARE OF CREDIT ACTIVE BORROWERS 2006 to 2012 2006 2008 20102012

15. © 201 3 ALL RIGHTS RESERVED | PRIVATE15 Credit Activity(Rev) Significant shift towards secured products over time

16. © 201 3 ALL RIGHTS RESERVED | PRIVATE16 CIBIL TransUnion Score Trend for Home Loans Score Trend of New Loan Accounts Opened Based on the current lender usage pattern a CIBIL TransUnion Score of 700 or more can be considered a good Score Based on the current lender usage pattern a CIBIL TransUnion Score of 700 or more can be considered a good Score Score Band20082012 <550 6.1%2.5% 650-699 4.0%3.3% 700-749 9.5%7.0% 750-799 57.2%24.8% >=800 23.3%62.3%

17. © 201 3 ALL RIGHTS RESERVED | PRIVATE17 CIBIL Advantage- Members Faster processing of applications for loans, thereby leading to time and cost savings for each credit evaluation Better credit pricing depending on borrower performance, to adjust interest rate to compensate for escalating risk Credit grantors are now much better positioned to implement effective portfolio management strategies The Bottom line: Increased profitability, through cost savings as well as improved loan portfolios

18. © 201 3 ALL RIGHTS RESERVED | PRIVATE18 CIBIL Advantage- Consumers Expedites the credit approval process Reduces subjectivity in the credit assessment process Encourages consumers to maintain greater self discipline in acquiring financial commitments Allows consumers to build reputational collateral by following correct repayment behavior Provides the consumer with an opportunity to improve their standard of living through easier access to credit

19. © 201 3 ALL RIGHTS RESERVED | PRIVATE19 Thank You