Investor Presentaiton

Chola Enter a better life Profit and Loss Statement (As per IND AS) murugappa Cr Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Q3 FY23 Q3 FY24 Growth % Q3-0-Q3 YTD Dec22 YTD Dec23 Growth % (YTD) Y-o-Y Disbursements 13,329 20,015 14,623 Closing Assets - Managed 86,703 1,22,755 91,841 21,542 17,559 1,33,775 1,03,789 22,383 27% 45,512 63,940 40% 1,41,143 36% 1,03,789 1,41,143 36% Income 2,771 4,134 3,038 4,572 3,375 5,019 49% 9,184 13,724 49% Finance Charges 1,131 2,007 1,340 2,205 1,543 2,439 58% 4,015 6,651 66% Net Income 1,640 2,127 1,697 2,367 1,832 2,580 41% 5,169 7,073 37% Expenses 580 787 661 946 752 1,064 41% 1,993 2,797 40% Net Credit Losses 299 372 278 400 159 359 126% 736 1,131 54% PBT 762 968 758 1,021 921 1,157 26% 2,441 3,145 29% Taxes 196 242 195 258 237 281 19% 627 781 24% PAT 566 726 563 762 684 876 28% 1,813 2,365 30% Asset Ratios Income 13.5% 14.2% 13.6% 14.3% 14.0% 14.5% 13.7% 14.3% Cost of Funds 5.5% 6.9% 6.0% 6.9% 6.4% 7.0% 6.0% 6.9% Net Income Margin 8.0% 7.3% 7.6% 7.4% 7.6% 7.4% 7.7% 7.4% Expense 2.8% 2.7% 3.0% 3.0% 3.1% 3.1% 3.0% 2.9% Losses & Provisions 1.5% 1.3% 1.2% 1.3% 0.7% 1.0% 1.1% 1.2% ROA-PBT 3.7% 3.3% 3.4% 3.2% 3.8% 3.3% 3.6% 3.3% ROA-PAT 2.8% 2.5% 2.5% 2.4% 2.8% 2.5% 2.7% 2.5% Gross - Stage 3 3,408 3,546 3,375 3,719 3,367 3,811 3,367 3,811 ECL Provisions - Stage 3 1,387 1,610 1,400 1,760 1,379 1,720 1,379 1,720 Coverage Ratio - Stage 3 40.7% 45.4% 41.5% 47.3% 41.0% 45.1% 41.0% 45.1% Cost to Net Income 35.3% 37.0% 38.9% 40.0% 41.1% 41.2% 38.6% 39.5% 24 24

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