An introduction to Wadhawan Group

Introduction

• India’s leading business Group

• Operations across three continents

• Promoter of one of India’s leading private sector Housing Finance company

• Significant Real Estate developer

• Foray into Hospitality, Lifestyle Retail, Food Retail and Education

• Over 4,000 employees across Group

Wadhawan Group - Well Diversified Portfolio

FINANCIAL SERVICES

RETAIL

HOUSING FINANCE

VENTURE CAPITAL

FOOD & GROCERY

LIFESTYLE

CUSTOMER REACH

CUSTOMER KNOWLEDGE

PROJECT MANAGEMENT

BANKING RELATIONS

INDUSTRY LIAISON

REALESTATE

RESEDENTIAL

COMMERCIAL

HOSPITALITYRESORTS / HOTELS

RESTAURANTS

U.A.E

AUSTRALIA

EDUCATIONK12

ROCHESTER WADHAWAN

FOUNDATION FOR LEARNING

INFRASTRUCTURECORE & SOCIAL INFRA

INDUSTRIAL / SEZ / TOURISM INFRA

Group Vision – A Global Institution

Elements of our Vision

• We will show excellence in every aspect of our business

• We will set a benchmark in all the business in which we operate, providing thought leadership in all aspects of our chosen business

• We will strive to build infinite continuity in our business

• We envisage ourselves as a global firm and our attitude towards our work will reflect this

• The way we run our business will be a reflection of the point of view that we have generated because of our rich experience.

CORE VALUES of the Group

• Customer focus

• Teamwork

• Passion for excellence

• Leadership

• Trust

• Respect

Promoters

• Wadhawan Group was founded by late Dewan Kuldip Singh Wadhawan in 1973

• The group initially engaged in Real Estate development in Mumbai, established DHFL in 1984 to provide

Housing Finance to the LMI segment across rural and semi-urban India

• Group operations now comprise distinct entities, run independently:

– Wadhawan Holdings Private Limited (WHPL)

• The Group Corporate Office

• Holding company for Indian businesses of the group

– Wadhawan International Investments (P) Limited

• Holding company for Overseas businesses of the group

• Under the leadership of Group Chairman, Mr. Kapil Wadhawan, WHPL has successfully ventured into

multiple sectors including Financial Services, Hospitality, Food Retail, Lifestyle, Real Estate and Education

• With significant experience across varied industries and diversified fields with a legacy of high

achievements par excellence, the promoters of the Group have a very strong reputation in the industry

• The promoters are members of various reputed Industry Bodies bringing their own wealth of experience

and innovative and scientific techniques for the betterment of the industry at large

Wadhawan Group History…

1973Year of

incorporation

1978Real Estate

1984Housing Finance

2002Housing Finance-

First Acquisition

2006Hospitality-

F&B.

2005Venture

Capital

2006Real Estate, UAE

2009Rochester

Wadhawan Foundation

For Learning

2008Hospitality-Hotels and Resorts

2007Lifestyle Retail

2005F&G

Retail

2010Partnership with IFC

for retail housing loans

2009Real Estate, India

Infrastructure Development

2006

WMIPL2011

Wadhawan Mega Infrastructure

2008Real Estate, Australia

Group’s history dates back to 1973 when the late Mr. Dewan Kuldip Singh Wadhawan incorporated Wadhawan Group for the purpose of land aggregation, development, construction and management.

Over the years, the group has diversified in various sectors and has successfully created niche businesses in each of their endeavors

2011First Blue Home Finance Ltd.

Business Lines

Wadhawan Group Verticals

UAE & Australia

India

Group-wide Perspective.

Focus on Performance, Growth, Large

scale Organizational Development, Profitability & Sustainability

Real Estate Financial Services

Lifestyle Retail

Hotels and Resorts

Food Retail Food and Beverages

The group is also present in the field of education through RKW Institute of Learning and thru strategic tie-ups with Rochester University from US

The Group has own Brands, Management tie-ups with globally reputed Hotel brands & is Master Franchise of some elite brands

JV with IFC led to the formation of ‘Aadhar’ with DHFL

The group is presently exploring opportunities in the field of Infrastructure & Power (Solar & Hydro).

Wadhawan Group – Corporate Structure

Operating Companies Structure

`

Financial Services - Dewan Housing Finance Ltd.

India’s leading Housing Finance company in the private sector focusing on middle income home owners - In its 27th year of operation with a sound track record of profitable growth Network of over 425 offices across India; international presence through representative offices in Dubai and London along with a tie-up with UAE Exchange for their 46 branches

Acquired Vysya Housing Finance in 2003

Strategic tie-up with Punjab & Sind Bank, United Bank of India and Central Bank of India for joint financing of home loans in Northern, Eastern and Central India respectively

Enabled home ownership for 250,000 households

Alliances with State Bank of India, Caledonia Investment Trust (UK), Asian Development Bank, World Bank, IFC-Washington

Promoted DHFL Venture Capital with INR 100 cr. Fund

Acquired 100% stake in Deutsche Postbank Home Finance Limited from BHW Holding AG; which has been rebranded as First Blue Home Finance Limited

Launched ‘Aadhar Housing Finance Pvt. Ltd. ’ in association with IFC Washington to focus on low income states

27 years of real estate financing for

home-owners & developers

Critical success factors

Ability to focus on a niche segment and

build core competencies

Growth Trajectory…• DHFL is one of the leading player in the LMI Housing Finance market with annual disbursement of

INR 65.1 billion in FY2011 and asset base of INR 141.11 billion as on March 2011, providing loans

for purchase of flats, self construction, commercial, project loans & extension and improvement.

• The total assets of the group exceeded Rs.200bn as of March 2011, growing at 65% CAGR in last 4

years, making DHFL group the third largest housing finance company in India. Standalone DHFL

asset base has increased at a CAGR of 49% over the past 4 years ended March 2011. CAGR over

the last 8 years has been over 42%. The asset book has grown by 61% during FY 2011.

Asset Composition Loan Book

41585807

8758

FY2008 FY2009 FY2010

20,000

40,000

60,000

80,000

100,000

14111

FY2011

Others1.8%

Project Loans3.0% Commercial

3.4%

Self Construction22.8%

Purchase of Flats69.1%

Real Estate - Dheeraj & RKW Developers Private Limited

•Over 3 decades of Real Estate experience of both Residential & Commercial projects

•Ability to identify key land parcels

•Proven Project Management capabilities

•International exposure of development of Real Estate, including Middle East & Australia

•Currently, 17 projects under various stages of execution in the Middle East & 4 in Australia

•Proven Systems & Processes for effective execution

•ISO Certified Project Management Services

Exotica – Juhu

Al Raha Beach Project – Abu Dhabi

The Address – Bandra (W)

Focusing on Construction & Real Estate Development since 1978

A Flavor of Real Estate Projects in India - Development of 35 lac sq. ft. …

Celestial

Zephyr Zion

The Address

Views

Constellation

Serenity

Commercial Complex

Insignia

Exotica

Jade Residency

The “W” Factor -Customer Connect Through Value Creation

Location Capabilit

y

Financial Capabilit

y

Project Mgmt

Capability

Value Creation

• Identification and acquiring land in the best location at the lowest market rate through dedicated land sourcing teams

• Strong project development capabilities with an in-depth knowledge of cost dynamics and strong local liaisoning abilities for project approvals

• Strong base with an in depth understanding of financial management

Key Management PersonnelKey Management Personnel

Food Retail - Wadhawan Retail Private Limited

Wadhawan Retail Pvt. Ltd (WRL) was incorporated in 2005. The Company's retail stores are positioned as the ‘Local Community Store’ for daily home needs and are an alternative to the local grocery stores

Launched “Spinach” chain in March 2006, followed by successful acquisitions across regions with improved business performance as an "Integrated Operating Retail” entity, made possible by Strong Regional Leadership supported by the National Team

Developed strong regional brands - Spinach, Sabka Bazaar, Smart, Sangam Direct and ‘The Home Store’

Understanding the Indian Consumer

Lifestyle Retail - Wadhawan Lifestyle Private Limited

The lifestyle retail arm of the Group aims to bring global high-end fashion brands into India. We are the exclusive master franchisee of two premium celebrity driven brands from Los Angeles, Ed Hardy and Christian Audigier in India.

Successfully established stand alone stores and SIS (Shop in Shop’s) in Ahemdabad, Amritsar, Chandigarh, Delhi, Gurgaon, Hyderabad, Jalandhar, Mumbai and Surat. Ed Hardy has been a favorite shopping destination for celebrities in the past four years.

The company has also launched Adolfo Dominguez (AD), the first Spanish designer label in the country. It has also introduced ‘U’, the contemporary casual youth line of Adolfo Dominguez. AD enjoys enormous success with over 650 point of sales across the globe. WLRPL has launched the flagship store in Delhi and has plans to bring it to Mumbai before the financial year ends.

The company further plans to launch 2 to 3 premium high end fashion brand in 2012.

Critical success factor

Focus on building high profitability

through focus on hi-end premium brands

Understanding the Indian Consumer

Food & Beverages - DISH Hospitality Private Limited

The Food & Beverage arm of the group intends to build a portfolio of businesses spanning Fine Dining Restaurants, Specialty Restaurants, Cafés & Bakeries. Currently has outlets across Mumbai, Delhi & Bangalore

Runs a HACCP-certified and ISO 22000 Central Kitchen / Food processing facility at Mumbai – Dish Central

Forayed into frozen foods & ready-to-eat categories in the European and US markets through L’Essence Foods

The only Indian company to ever win Prix d’Elite award show and International Boston Seafood show in new food service category

Aurus, a well known fine dining lounge has been recognized for best continental restaurant, best restro-bar as well as the best ambience at Times Food & Nightlife Awards 2010!

Sancho’s got recognition through burrp.com as the Best Mexican Restaurant 2010 & voted the Best Restaurant in the Lounge Category by Times Research in its Service Excellence Awards 2010!

Understanding the Indian Palette

Critical success factor

Focus on Quality Control & Supply

Chain Management

Hospitality - Wadhawan Global Hotels and Resorts Private Limited

Real estate expertise leading to obtaining best sites at appropriate price

Tie-ups with Hotel Management Operators of International acclaim

Project Management Capabilities with best practices and Certification of international standards

Quality and process driven approach

Key management personnel with a huge bandwidth of relevant domain expertise

Brand association with customers

Proven capability of start ups

Proven capability to achieve financial closureStrong understanding of industry vertical backed with expertise in research & analytics

Construction of multiple sites underway (across eight cities)

Portfolio of Business Hotels & Luxury Resorts

Prime Locations, International operator tie-ups & excellent execution abilities

Education– Rochester Wadhawan Foundation for Learning

Alliance with University of Rochester aims to create an internationally renowned Management Education and Research Venture in India.

Simon's Executive Learning Experience is designed by the Simon School's world renowned faculty in order to provide Indian managers the most up-to-date applicable knowledge and tools, strategy development and execution to manage the complexity of modern business world.

The company will launch the global MBA & full fledged MBA with the elite university. These will be global learning centers that will attract students from around the world.

International

Tie-ups

Thank You