Investor Presentaiton

Chola Enter a better life murugappa Profit and Loss Statement - Loan Against Property (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 2,036 2,679 2,246 3,192 2,255 3,409 51% 6,537 9,281 42% Closing Assets - Managed 17,675 22,866 18,843 24,721 19,997 26,891 34% 19,997 26,891 34% Income 503 704 540 757 597 831 39% 1,640 2,291 40% Finance Charges 257 408 298 422 331 468 42% 886 1,298 47% Net Income 246 296 242 335 266 362 36% 754 993 32% Expenses 49 80 65 106 74 120 64% 188 306 63% Net Credit Losses -4 -7 -1 -6 6 -3 -146% 2 -16 -825% PBT 200 224 178 234 186 245 32% 564 703 25% Asset Ratios Income 11.7% 12.7% 11.7% 12.7% 12.2% 12.8% 11.9% 12.7% Cost of Funds 6.0% 7.4% 6.5% 7.1% 6.8% 7.2% 6.4% 7.2% Net Income Margin 5.7% 5.4% 5.3% 5.6% 5.4% 5.6% 5.5% 5.5% Expense 1.2% 1.4% 1.4% 1.8% 1.5% 1.9% 1.4% 1.7% Losses & Provisions -0.1% -0.1% 0.0% -0.1% 0.1% -0.04% 0.02% -0.1% ROA-PBT 4.7% 4.0% 3.9% 3.9% 3.8% 3.8% 4.1% 3.9% Cost to Net Income 20.1% 26.9% 26.7% 31.8% 27.7% 33.2% 24.9% 30.8% 55

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