Enter a Better Life Financial Performance

Chola Enter a better life murugappa Profit and Loss Statement - Loan Against Property (Managed) Cr Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Growth % Q2-0-Q2 Growth % H1 FY23 H1 FY24 H1-o-H1 Disbursements 2,036 2,679 2,246 3,192 Closing Assets - Managed 17,675 22,866 18,843 24,721 42% 4,282 31% 18,843 5,872 37% 24,721 31% Income 503 704 540 757 40% 1,043 1,460 40% Finance Charges 257 408 298 422 42% 555 829 50% Net Income 246 296 242 335 39% 488 631 29% Expenses 49 80 65 106 65% 114 186 63% Net Credit Losses -4 -7 -1 -6 1025% -4 -13 217% PBT 200 224 178 234 32% 378 458 21% Asset Ratios Income 11.7% 12.7% 11.7% 12.7% 11.7% 12.7% Cost of Funds 6.0% 7.4% 6.5% 7.1% 6.2% 7.2% Net Income Margin 5.7% 5.4% 5.3% 5.6% 5.5% 5.5% Expense 1.2% 1.4% 1.4% 1.8% 1.3% 1.6% Losses & Provisions -0.1% -0.1% 0.0% -0.1% 0.0% -0.1% ROA-PBT 4.7% 4.0% 3.9% 3.9% 4.2% 4.0% Cost to Net Income 20.1% 26.9% 26.7% 31.8% 23.4% 29.5% 55

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