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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