Your marketing data Indian Demographics: Current Median age is 25 years current working age population in India is around

nd 470 to 500 MM - By 2025, 64% of our population (918 million people) will be in working age group and will constitute 25% of worlds workforce Net workforce shortage in developed countries will range from 32 MM and 39 MM by 2020/2025 & India expected to generate a surplus working population of 47 MM. Brazil will add around 18 million, while China will add a meager 10 million people during the same time. India is at the beginning of stage three (declining fertility, population growth). India, by contrast, will enjoy a very favorable demographic momentum for another three decades. India created about 10mn jobs every year between FY00 and FY05. In the next two decades, the pace of job creation needs to rise to 13-15mn per year in order to bring the unemployment rate down to 5%. Private consumption contributes 57% of overall GDP and 12% is government consumption - Private consumption is expected to cross approximately US$ 2,020 bn by 2016-17. GDP: - Service sector in 1993 was 37% of GDP and is 58% of GDP in 2011 - 4th largest economy in the world in terms of purchasing power parity at $4 trillion - Indias per capita income is USD 1200 but in terms of purchasing power parity its USD 2946 Urbanization: - India has 222 MM households with 30% population (363 MM people) living in 5000 cities and towns, expected to reach 590 MM by 2030 this is urban middle class in India - 60% of residential demand in last decade has come due to urbanization - 13 million people enter Indias urban work force each year. -India has maximum number of English speaking people in the world. It has 367 Universities;18,000 colleges; and total enrolment of 11.2 Mn -Sound banking system with a total loan book of USD 815 bn (Agriculture US$ 102 bn (13%), manufacturing US$ 360 bn (44%), services US$ 200 bn (25%) and personal loans US$ 152 bn (18%). -Out of personal loans, mortgage loans is 50.5% with USD 77 bn (4.5% of GDP) and out of services Developer financing is USD 25 bn (1 % of GDP) IT office space: - Out of 279 MM Sft leased grade A office space, highest space is by Bengaluru: 72 MM Sft is (25% share) followed by Mumbai at second : 62 MM Sft (22% share) and third by Delhi : 43 MM Sft (15%) - Total office space absorbed in 2010 was 39.6 MM Sq ft and overall demand in 2011 is estimated at 37 M Sq ft

Indias IT-ITes industry revenues stood at USD 73.1 billion in 2010 and are expected to reach USD 88.1 billion in 2011 accounting for 6.4% of Indias GDP & 26% of its exports Overall vacancy in the office space market is around 18% in 2011.

Mortgages in India based on 2009-10 data: - 90% housing loans are in urban areas. - 93% of loans are floating rate loans - Average contractual tenure of loans is around 15 years - 80 to 85% of borrowers are salaried class - Average age of borrowers is 36 years - Average ticket size urban homes around Rs.15 lacs and rural Rs.5 lacs - LTV 73% urban and 68% in rural - Income to instalment ratio is around 40 to 45% in 2008/09 - Based on these above around 46 lac units were funded in a year in 2009/10 - Gross NPA 0.9% and net NPA is 0.17% Just some broad points: - India has maximum number of English speaking people in the world 12 cr to 13 cr people this is ion terms of countries not having English as primary language. - India is a country in South Asia with and is the 7th largest country by geographical area. - India is a country in South Asia with and is the 7th largest country by geographical area. Tough problems: - India has illiterate people equal to US population around 31 cr people - 2/3rd of India resides in villages 80 cr people 21% of these are poor 17 cr people half of US population - Unemployed people 8.9 million - 47% of Indian children are mal nourished or stunted - People are deemed to be literate if they can do a little more than signing their name - 10% of Indian labour force works in formal economy of which less than half in private sector - Half of the worlds starved inhabitants are in India Incremental Capital Output Ratio: - The incremental capital output ratio called (ICOR) is 4.5 times in India. - The ICOR is the measure of capital needed to produce one additional unit of output. - This means that to achieve 8% GDP growth country needs to invest 8 multiply by 4.5 which equals 36 as capital investment every year (so basically it means that the return on capital Investment is 22% for India as a whole which is very attractive also we have improved this number over last 5 years during 2001-06 this number was 4.1 an now has increased to 4.5)

- Indias saving rate is 34% - So what it means is to achieve a current consistent GDP growth rate of 8% - we have no problems we save enough to continue this current rate of growth of around 8%. - We can still do even if we don't save but then the reliance on external funds will increase which is not good as a business structure over a long time. Just an expansion on inadequacy of capital in Indian Banking sector - : - Current banks have adequate capital for the current level of assets in their books. - Banks on an average have ROE in the range of 16% to 20% - so if theres no further capital infusion the asset book of banks can grow only at 16% to 20% - But in order to infuse faster investments/capital in the country for long term infrastructure and other sectors more capital base will be required. - having said this as 70% banking is under PSU out of which 60% holding is by government considering the deficit they wont be able to infuse huge capital further and hence foreign capital demand to meet this shortfall. - Sound banking system with a total loan book of USD 815 bn (Agriculture US$ 102 bn (13%), manufacturing US$ 360 bn (44%), services US$ 200 bn (25%) and personal loans US$ 152 bn (18%). - Out of personal loans, mortgage loans is 50.5% with USD 77 bn (4.5% of GDP) and out of services Developer financing is USD 25 bn (1 % of GDP) Domestic Consumer Spending so avoided external shocks: - India has approximately 222 million households, with more than 30 per cent of the population living in 5,000 cities and towns. - Private consumption contributes 57% of overall GDP and 12% is government consumption - Private consumption is expected to cross approximately US$ 2,020 bn by 2016-17. Some other: India is a country in South Asia with and is the 7th largest country by geographical area. Its the second most populous country and hence the largest democracy. India occupies 2.4 percent of the world's land surface area but is home to 17.5 percent of the world's population. India attained independence only 64 years back in 1947. India is a federal constitutional republic under a parliamentary system consisting of 28 states and 7 union territories. India is led by UPA (United Progressive Alliance) government, who were elected fro second term of 5 years in May 2009, India is due for election in 2014.

Indias GDP grew at 8.5% in 2011 at 1728 US$ bn with a per capita income of USD 1200. Services form 57.7% of GDP and industry stands at 25.7% & agriculture 16.6%. Broadly an open economy except fuel, fertilizer and food which are subsidized. In 2011 Exports (merchandise) is US$ 250 bn (14% of GDP) & software is US$ 57 bn (3% of GDP) Twin deficit Current Account at 2.5% of GDP and Fiscal deficit of 5.1% of GDP, in 2011 INR/USD average in 2011 is INR 45.6/USD its a floating exchange rate and is not pegged. Foreign exchange reserves stood at US$ 274 bn.