DHFL PRAMERICA

LIFE INSURANCE CO. LTD. Company Overview

*PIIH is a fully owned subsidiary of Prudential Financial Inc, referred to hereafter as PFI. PIIH and PFI of the United States are not affiliated with Prudential Plc., a company incorporated in the United Kingdom. Pramerica is the brand name used in India and select countries by PFI. Pramerica and the Rock logo are proprietary service marks and may not be used without the express permission of the owner

DHFL Pramerica - The Joint Venture

Prudential International Insurance Holdings, Ltd. (PIIH)

74% 26%

Dewan Housing Finance Corporation Ltd. (DHFL) & Promoter Entities

DHFL - AN OVERVIEW

India’s second largest private housing finance company

DHFL was founded in 1984 by Shri Rajesh Kumar Wadhawan, a

visionary Indian businessman, who believed that owning a home is a

critical element of building an identity for every Indian

DHFL - Changing Rules, Changing Lives

Financial Inclusion, the DHFL Way

Over the past 29 years, DHFL has been providing financial access to the

lower and middle income segments, in semi-urban and rural parts of India

Under the leadership of Mr. Kapil Wadhawan, CMD, DHFL stands strong as

India’s second largest housing finance company in the private sector

Based in India’s commercial capital Mumbai, DHFL has a presence across

over 450 locations in India, to ensure consumer access

Has tie-ups with leading public and private sector banks like Punjab & Sind

Bank, United Bank of India, Central Bank of India and YES bank, to provide

home loans to customers through a home loan syndication agreement

Listed on the BSE and NSE

• Spread across 290 Company

operated locations in India

• Presence in 151 additional

locations through alliances

DHFL strives continually to reach out to its customers through its extensive network

of Branches, Service Centers, Camps and Regional Processing Offices spread

across the length and breadth of the country

Presence Across India

AUM

448.2 billion

Net worth

35.7 billion

PAT

5.3 billion

Gross NPA

0.78%

Disbursements

166.5 billion

Sanctions

223.8 billion

Capital

Adequacy

Ratio

16.42%

DHFL strives to participate in Financial Inclusion in India through the product offerings of:

Home Loan, NRI Home Loan, Fixed Deposit, Recurring Deposit, Property Services,

Insurance Services and Project Finance

Business Overview (as of March 31, 2014, All figures in INR)

Awards and Recognitions

Conferred the ‘Best Employer’ Brand Award at the IPE BFSI Awards (2013)

Named among the most trusted BFSI Brands in India: Brand Trust Report (2012-13)

Ranked 306th among India’s 500 Most Valuable Companies by Business Today (2012)

Recognized as ‘Marketer of the Year’ in the Realty Plus Excellence Awards (2012)

Named as one of India’s 50 Biggest Financial Companies (2011-12)

Recognized as ‘Power Brand 2010-11’ amongst the top 200 brands in India by

M/S Planman Marcom (2010-2011)

Going the Extra Mile

DHFL has taken financial access to an all-new level through its customer reach and

product offering

DHFL holds approx. 50% stake in Avanse Education Loan to provide affordable and

flexible education finance for deserving students

DHFL, in association with International

Finance Corporation (IFC), a World Bank

member has founded Aadhar Housing

Finance, which offers housing loans of

value below 12 lakhs in select states

DHFL is foraying into the insurance sector,

in association with PFI, one of the world’s

largest financial services institutions

Treasure in Unlisted Companies

Entity DHFL's Holding (%)

9.47%

14.90%

48.50%

50.00%

85.13

10.55

31.22

1.00

BVPS (Rs.)

PFI - AN OVERVIEW

PFI of the United States are not affiliated with Prudential Plc., a company incorporated in the United Kingdom.

Pramerica is the brand name used in India and select countries by PFI.

Pramerica and the Rock logo are proprietary service marks and may not be used without the express permission of the owner.

History

Tracing its roots to 1875, PFI is one of the best-known names in

financial services in the U.S.

1875

1886

1892 1903 1924

1899 1914

One of the world’s largest financial services companies

PFI GE Ford IBM

Coke AT&T Merrill Lynch

Company Overview

For more than 135 years, PFI has helped individual and institutional customers grow and

protect their wealth

One of the world's largest financial services institutions with more than $1.1 trillion of assets

under management (as of March 31, 2014)

PFI, through its subsidiaries, serves institutional and individual customers in more than

41 countries in the United States, Asia, Europe and Latin America (as of March 31, 2013)

47,355 employees and sales associates worldwide (as of December 31, 2013)

Offers a variety of products and services, including life insurance, annuities, retirement-related

services, mutual funds and investment management

PFI’s distinctive Rock® symbol is among the most widely recognized in the U.S. and is an icon

of strength, stability, expertise and innovation

Business Overview

Assets managed by the Life Insurance Industry

in India is Rs.17,41,000** crores

(USD 0.279 trillion)

Assets managed by PFI is

approx. Rs.68,52,330* crores

(USD 1.107 trillion)

**As of March 31, 2013 Source: Life Insurance Council of India

*As of March 31st , 2014

Awards and Recognitions

PFI rated No. 2 in FORTUNE® magazine's 2013 ‘World's Most Admired Companies®’

ranking in the Insurance: Life and Health category

PFI ranks 29th on the 2013 FORTUNE® 500 list of ‘America’s Largest Corporations’

and 90th on the 2013 FORTUNE® Global 500 List of the ‘World’s Largest Corporations’

PFI named in Diversity Inc. magazine’s 2013 list of the ‘Top 50 Companies for Diversity’

(for the 13th consecutive year)

PFI named in Equal Opportunity magazine’s 2013 list of the ‘Top 50 Employers’

(in 2013, 2011, 2010)

PFI named a top 10 company by National Association for Female Executives (NAFE) on

its 2012 list of ‘Top 50 Companies for Executive Women’ (for the 13th consecutive year)

FORTUNE® and World’s Most Admired Companies® are registered trademarks belonging to Time, Inc

DHFL PRAMERICA - AN OVERVIEW

DHFL Pramerica - A United Vision

A coming together of two strong and trusted financial houses who share our vision

of securing and enriching every life that we touch

DHFL - A company that is committed to help build an identity for every Indian

by empowering families financially to fulfill their dreams of owning a home

PFI - A company that is committed to help ensure financial security and peace

of mind for its customers through a variety of products and services, backed by

sound financial advice

Our Company

• Started operations in 2008 as DLF Pramerica Life Insurance, a joint venture between

DLF Limited (DLF), a leading real estate company in India and PFI, to provide life

insurance products to customers in India

• In 2013, Dewan Housing Finance Corporation Limited (DHFL) and its promoter

entities acquired DLF Ltd.’s 74 percent interest in the JV and entered into a

partnership with PFI

• Pan India presence through multiple distribution channels which have been customized

to address the specific insurance needs of diverse customer segments

• 2000+ employees, 3500+ sales advisors and over 100 Third Party relationships

• Offers a comprehensive suite of long-term savings and protection-oriented products

Awards and Recognitions

Awarded the Celent Model Insurer Asia Award 2014 in the ‘Distribution: other

channels’ category for efforts in using technology to facilitate service delivery in rural

markets

Recognized as one of ‘India’s Best Companies to Work For - 2011’ in a study

conducted by The Great Place to Work® Institute, India, in partnership with

The Economic Times. Ranked No. 74

Presented the ‘Best Insurer - Technology’ Award by Asia Insurance Review and Celent

for innovative use of technology to make life insurance solutions easily accessible to

the under-served markets (2011)

Presented the SKOCH ‘Financial Inclusion Award’ for ‘Tatkaal Baithaks’ - a rural

awareness campaign to spread financial literacy in villages across Orissa, Bihar and

Uttar Pradesh (2011)

Our Culture

We are committed to fostering a culture of openness, transparency and dynamism

We have a performance driven work culture where good work is appreciated and

rewarded, giving our employees ample opportunities for growth and development

We are committed to being an equal opportunities workplace and our culture of

diversity and inclusion is central to our system and the way we do business

Our commitment to the communities where we work and live has led us to identify

strategic opportunities where we can make a meaningful difference

We organize ‘The Pramerica Spirit of Community Awards’, an annual school-

level recognition program for students engaged in voluntary community

service. The program was introduced in India in 2010 and since inception, has

reached out to approx. 100,000 students across the country

Our Values

Customer Focused: Be someone who places customers and

their needs at the forefront while developing and managing their financial

solutions

Mutual Respect: Build mutual respect by being an equal

partner, who knows and willingly shares, helping people go further, rather

than walking ahead and leading them, or walking behind and following

Worthy of Trust: Build trust by choosing the right path, rather than

the easy path and tell the truth the way it is. Be someone who keeps

promises, meets commitments and behaves with integrity at all times

Winning: Be positive and confident; seize every moment, every day, with

a winning perspective, fearlessly facing the uncertainties of life

Our Vision: To ensure that every life we touch feels secure and enriched

Our Vision and Values

THANK YOU