Asset Reconstruction Company (india) Limited · NSE:ARCIL
Asset Reconstruction Company (india) — Q2 FY27 Earnings Presentation
30 slides from Asset Reconstruction Company (india)'s earnings presentation, Oct 29, 2026
Slide 1: Asset Reconstruction Company (India) Limited Investor Presentation Q2 & H1FY27
Asset Reconstruction Company (India) Limited Investor Presentation – Q2 & H1FY27 29th October 2026 {Kintsugi is a centuries-old Japanese art of repairing pottery with precious metals, symbolizing healing, resilience, and renewed value}
Slide 2: Safe Harbour
Safe Harbour This presentation and the accompanying slides (the “Presentation”) which have been prepared by Asset Reconstruction Company (India) Limited (the “Company”) have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or sub
Slide 3: Industry Opportunities
Industry Opportunities
Slide 4: India a Growing Credit Market
India a Growing Credit Market Overall Credit1 to GDP Growth Retail Credit3 (Rs. Tn) India’s modest credit to GDP to offer strong runway for credit growth Growth trend in Retail Credit over the years Retail Credit as % of Systemic Credit 25% 35% 37% 201% 140% 137% 133% 14% - 15% 113-116 102% 93% 18%
Slide 5: Stress Grows with Credit, a Structural Opportunity in Every Cycle
Stress Grows with Credit, a Structural Opportunity in Every Cycle Overall Stressed Assets Outstanding is Large* Improving Recovery Rates* of ARCs across Banks1 and NBFCs across Lending Segments Retail2 (Rs. Bn.) +12% p.a. 92% 85% 6,964 5,311 68% 3,470 49% 34% 36% FY20 FY23 FY26 MSME3 (Rs. Bn.) 9,158
Slide 6: Market Dynamics: Rs. 23.7 Lakh Crore of Stress Across Three Business Verticals
Market Dynamics Rs. 23.7 Lakh Crore of Stress Across Three Business Verticals Our business Corporate SME Retail Rs. lakh cr, FY26 Corporate SME commercial SME individual Retail Total SMA-0 0.63 1.09 0.88 1.74 4.34 Rs. 23.7 lakh Cr. Total stress, FY26 SMA-1 0.39 0.56 0.53 0.79 2.27 SMA-2 0.03 0.21 0.
Slide 7: ARCIL's Position in India's ARC Industry
ARCIL's Position in India's ARC Industry
Slide 8: H1 FY27 – Key Performance Highlights
H1 FY27 – Key Performance Highlights ~Rs. 20,274 Cr.* ~Rs. 4,442 Cr. ~Rs. 2,882 Cr. ~Rs. 1.40 Lakh Cr.* 21% YoY 26% YoY 14% YoY Total Dues Outstanding Asset Under ARCIL’s Investment in Net Owned Fund at the time of Management AUM Acquisition against Outstanding AUM ~Rs. 1,707 Cr. ~Rs. 2,135 Cr. 18%
Slide 9: About ARCIL | Pioneer of Asset Reconstruction in India
About ARCIL | Pioneer of Asset Reconstruction in India Ownership Structure – 30th September 2026 A two-decade old resolution platform with first mover advantage 77.4% 22.6% 2002 2008 Verticals IBC Tech-Driven India’s first incorporated Successfully acquired Present across Among the few ARCs to Imple
Slide 10: Consistent Financial & Operational Performance
Consistent Financial & Operational Performance Asset Under Management (Rs. Cr.) ARCIL Investments in AUM (Rs. Cr.) Net Owned Fund | Debt to Equity Total Dues Outstanding at the ~12% CAGR ~21% CAGR D/E 0.06X 0.11X 0.39X 0.37X time of Acquisition against Outstanding AUM (Rs. Cr.) 20,150 20,274 4,409 4
Slide 11: ARCIL's Growing Market Share
ARCIL's Growing Market Share ARCIL’s AUM Share in the Industry (Rs. Cr.) ARCIL’s Acquisition Share in the Industry (Rs. Cr.) 16% 20% 15% 6,500 17% 21,000 18% 13% 14% 19,000 11% 5,500 16% 12% 14% 17,000 10% 4,500 10% 12% 15,000 20,150 8% 10% 13,000 3,500 16,853 6% 5,959 8% 11,000 15,230 6% 2,500 6% 4
Slide 12: Expertise in Acquiring Stressed Assets With Increasing Investment in SRs
Expertise in Acquiring Stressed Assets With Increasing Investment in SRs Acquisition of stressed assets General Sources of Revenue Deal Structures Company’s Share in Total AUM I Fee Income (A) Where seller is not an Investor ARCIL’s 2,763 3,298 4,409 4,442 • Fee is typically charged from trust by AR
Slide 13: Ability to Implement Resolution Strategies & a Robust Collections Framework
Ability to Implement Resolution Strategies & a Robust Collections Framework Resolution strategies to maximize recovery Corporate, SME and Others Retail • Skip tracing – digital tracking and intelligence tools to locate absconding or • Restructuring / rescheduling the debt unresponsive borrowers 8.7%
Slide 14: H1 FY27 | Acquisition & Recovery Highlights
H1 FY27 | Acquisition & Recovery Highlights Rs. 20,274 Cr. Rs. 1,707 Cr. ~Rs. 8,482 Cr. Rs. 718 Cr. Rs. 2,135 Cr. Total AUM Total Acquisitions Total Dues of the Acquisitions ARCIL Investment in Acquisitions Total Recovery (~21% YoY) (+18% YoY) During H1 FY27 (+42% YoY) (+21% YoY) H1 FY27 Acquisition
Slide 15: Effective use of Technology and Data Analytics to Improve Efficiency
Effective use of Technology and Data Analytics to Improve Efficiency Core Platforms Data Analytics Action & Collections Proprietary platform Data analytics Automation • Asset tracking • Proprietary scorecards • Once settlement proposals are approved, one-time settlement letters are sent using • Case
Slide 16: Strong PAN India on Ground Network Behind Two Decades of Recovery
Strong PAN India on Ground Network Behind Two Decades of Recovery Relationship with lenders* Presence through our offices in 12 states 53 18 NBFCs HFCs Ludhiana Delhi 33 28 Jaipur Lucknow Private Public Sector 12 Banks Banks States Ahmedabad Kolkata 4 3 Mumbai Indore Bhubaneshwar Insurance Financial
Slide 17: Five Strategies to Drive Growth, Efficiency and New Business Opportunities
Five Strategies to Drive Growth, Efficiency and New Business Opportunities 02 Continue to grow our corporate 03 Continue to focus on Effective Use of loans business Technology and Data Analytics to improve operational efficiency 01 Increase the proportion of our • Acquiring stressed corporate assets
Slide 18: Q2 & H1FY27 Operating & Financial Performance
Q2 & H1FY27 Operating & Financial Performance
Slide 19: H1 FY27 - Standalone Financial and Operational Performance
H1 FY27 - Standalone Financial and Operational Performance Asset Under Management (Rs. Cr.) ARCIL Investments in AUM (Rs. Cr.) Net Owned Fund | Debt to Equity Total Dues Outstanding at the +26% D/E 0.15X 0.37X +21% time of Acquisition against 4,442 2,882 Outstanding AUM (Rs. Cr.) 20,274 2,540 16,784
Slide 20: Q2 & H1 FY27 - Standalone Statement of Profit and Loss
Q2 & H1 FY27 - Standalone Statement of Profit and Loss Particulars (Rs. Cr.) Q2FY27 Q2FY26 Y-o-Y H1FY27 H1FY26 Y-o-Y FY26 H1FY27 - Earnings Commentary: Revenue from Operations • Strong earnings growth: Total income Fees and Other Income 109.6 67.0 227.6 124.9 280.1 increased 48% YoY to Rs. 516.4 Cr.
Slide 21: Sep 2026 - Standalone Statement of Asset and Liabilities
Sep 2026 - Standalone Statement of Asset and Liabilities Assets (Rs. Cr.) Sep’26 Jun'26 Liabilities & Equity (Rs. Cr.) Sep'26 Jun'26 Financial assets Financial Liabilities Cash and Bank Balance 260.2 252.7 Borrowings (other than Debt securities) 1,224.2 1,100.3 Other Financial Liabilities 34.4 34.1
Slide 22: Why Standalone Financials are More Relevant for the ARC Business
Why Standalone Financials are More Relevant for the ARC Business Standalone Consolidated H1FY27 - Profit & Loss Performance (Rs. Cr.) Performance (Rs. Cr.) Parent Subsidiary Adj. Consol. Rationale for elimination Impact Line Items (Rs. Cr.) FY24 Income 574.1 609.5 Fee & Other Income 228 - -49 178 40
Slide 23: Historical Financial & Operating Performance
Historical Financial & Operating Performance
Slide 24: Standalone Statement of Profit and Loss
Standalone Statement of Profit and Loss Particulars (Rs. Cr.) FY26 FY25 FY24 Revenue from Operations Fees and Other Income 280.1 171.9 178.9 Other Operating Income (Investment Income) 191.3 192.3 82.3 Recovery of Security Receipts, Unrealized Fee & Expenses (written off earlier) 65.9 100.0 287.5 Int
Slide 25: Standalone Statement of Asset and Liabilities
Standalone Statement of Asset and Liabilities Assets (Rs. Cr.) FY26 FY25 FY24 Liabilities & Equity (Rs. Cr.) FY26 FY25 FY24 Financial assets Financial Liabilities Cash and Bank Balances 98.8 258.7 409.5 Borrowings (other than Debt securities) 1,205.5 305.9 149.9 Trade Receivables 122.4 72.1 73.0 Oth
Slide 26: Annexures
Annexures
Slide 27: Journey So Far & Key Milestone
Journey So Far & Key Milestone 2003 2007 2008 2009 2010 2002 Incorporation of the Grant of ARC license • Started the NPA • Active in acquiring and Reserves and surplus of Received ‘CSI 2010 Awards of Company from RBI recovery business resolving retail loans Company crossed Rs.1,000 Cr. Excellence in
Slide 28: Seasoned Board of Directors
Seasoned Board of Directors Narayanan Phanindranath Sudarshan Sen Ashish Shukla Subramaniam Kakarla Chairman and Chief Executive Officer Non-Executive Non-Executive Non-Executive Independent and Managing Director Director Director Director Balachander Raksha Shashikant Prasad P Rajaraman Kothari Nag
Slide 29: Experienced Leadership Team
Experienced Leadership Team Pramod Sumit Kapil Mohan Gupta Manchanda Rohilla Chief Financial Chief Risk Head of Collection as Officer Officer a Service (CaaS) Anup Satish Gurleen Kaur Ameet Ashok Mittal Chhabra Kela Head Legal & Head Company Secretary Head – Retail Collection and and Compliance Busi
Slide 30: Thank You
Thank You Company : Asset Reconstruction Company (India) Limited CIN: L65999MH2002PLC134884 Ms. Anuradha Singh – VP, Finance [email protected] E: [email protected] www.arcil.co.in www.arcil.co.in Investor Relations Advisor : Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH
Asset Reconstruction Company (India) — Q2 FY27 Earnings Presentation on 6ix