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Investor Presentaiton

Chola Enter a better life Profit and Loss Statement - Home Loans (On Book) murugappa Cr Growth % Growth % Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Q3 FY23 Q3 FY24 YTD Dec22 YTD Dec23 (YTD) Q3-0-Q3 Y-o-Y Disbursements 611 1,454 743 1,575 1,072 1,587 48% 2,425 4,615 90% Closing Assets (On B/S) 5,438 9,115 5,976 10,409 6,822 11,674 71% 6,822 11,674 71% Income 185 331 205 383 239 465 94% 630 1,180 87% Finance Charges 74 162 85 181 110 207 88% 270 550 104% Net Income 111 169 120 202 129 258 100% 360 630 75% Expenses 30 88 42 102 58 118 103% 130 308 136% Net Credit Losses 5 (2) 7 10 16 10 -34% 29 19 -34% PBT 75 83 71 90 55 130 135% 201 303 51% Asset Ratios Income 14.1% 15.6% 14.3% 15.6% 14.8% 16.7% 14.3% 16.0% Cost of Funds 5.7% 7.6% 5.9% 7.4% 6.8% 7.4% 6.1% 7.4% Net Income Margin 8.5% 7.9% 8.3% 8.3% 8.0% 9.3% 8.2% 8.5% Expense 2.3% 4.1% 2.9% 4.2% 3.6% 4.2% 3.0% 4.2% Losses & Provisions 0.4% -0.1% 0.5% 0.4% 1.0% 0.4% 0.7% 0.3% ROA-PBT 5.7% 3.9% 4.9% 3.7% 3.4% 4.7% 4.6% 4.1% Cost to Net Income 27.4% 51.9% 34.8% 50.5% 45.1% 45.8% 36.2% 48.9% 64 ==
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