Investor Presentaiton

Chola Sector outlook Enter a better life Sector Outlook - Vehicle Finance business (2/3) murugappa Chola's Position ◉ ☐ The Passenger vehicle (Car & MUV) segment had a growth of 8% in Q3 FY'24 and 7% as of YTD Dec'23 with an all-time high sales compared to any other year for the same period. This segment is witnessing healthy demand mostly contributed by MUVS. We will continue to focus in this segment in line with market trends especially retail customers. BETTER LIVES The Two-wheeler industry had a growth of 23% in Q3 The company intends to maintain its focus on two-wheeler financing with a clear eye for credit underwriting and portfolio quality. FY'24 & a growth of 10% as of YTD Dec'23. This BE tw segment is expected to grow further with stable rural cash flows. NATION Used vehicles industry has been growing steadily over the last few years and this trend will continue further with more organised players. We are one of the key players in this segment and will continue to maintain a cautious approach to financing with a razor-sharp focus on collections. Used vehicles contribute to nearly 27% of our portfolio. 34

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