Investor Presentaiton

• Chola Enter a better life Home Loans - Industry outlook murugappa Sector Outlook The overall growth in HFCS is expected to remain at 14-16% in FY24 GNPAs of AHFCS are expected to stabilize over the next year. Some stress from restructured portfolio to continue. Chola's Position Chola continues to consolidate its position across branches pan-India while also targeting expansion in newer underpenetrated geographies newer Chola cont Chola continues to pursue legal recovery for the higher bucket portfolio & is also continuously improving collections efficiencies through advanced analytics & digital-led collections Bimp Given current macro economic conditions cost of Chola continues to pursue profitable growth through funds is expected to remain at elevated levels. Growth related costs are also expected to drive operating expenses for the AHFCs. low-cost expansion, process optimizations, & elimination of inefficiencies across all functions to ensure margins are sustained Source: ICRA research report 59

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