Investor Presentaiton

murugappa Chola Enter a better life Profit and Loss Statement - Vehicle Finance (Managed) Cr Growth % Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Q3 FY23 Q3 FY24 Growth % Q3-0-Q3 YTD Dec22 YTD Dec23 (YTD) Y-o-Y Disbursements 8,562 11,301 8,502 Closing Assets - Managed 55,376 71,065 57,606 11,731 10,446 75,396 61,285 12,354 18% 27,509 35,385 29% 79,640 30% 61,285 79,640 30% Income 2,013 2,498 2,133 2,690 2,257 2,943 30% 6,403 8,130 27% Finance Charges 811 1,258 928 1,300 1,036 1,423 37% 2,775 3,981 43% Net Income 1,202 1,239 1,205 1,390 1,221 1,520 25% 3,627 4,149 14% Expenses 442 489 477 579 512 627 22% 1,431 1,695 18% Net Credit Losses 280 250 260 311 118 249 111% 658 810 23% PBT 480 501 468 499 590 643 9% 1,538 1,644 7% Asset Ratios Income 14.9% 14.6% 15.0% 14.6% 15.1% 15.1% 15.0% 14.8% Cost of Funds 6.0% 7.3% 6.5% 7.1% 6.9% 7.3% 6.5% 7.2% Net Income Margin 8.9% 7.2% 8.5% 7.6% 8.1% 7.8% 8.5% 7.5% Expense 3.3% 2.8% 3.3% 3.1% 3.4% 3.2% 3.3% 3.1% Losses & Provisions 2.1% 1.5% 1.8% 1.7% 0.8% 1.3% 1.5% 1.5% ROA-PBT 3.6% 2.9% 3.3% 2.7% 3.9% 3.3% 3.6% 3.0% Cost to Net Income 36.8% 39.4% 39.6% 41.7% 42.0% 41.3% 39.5% 40.9% 47

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