Investor Presentaiton

Chola Enter a better life Our journey so far FY 2022 - 23 FY 2021 FY 2016-20 FY 2024 murugappa FY 1979-2010 • Commenced FY 2010-15 equipment financing • . Commenced Vehicle Finance business Started Chola Securities 2011 • Terminated JV with DBS • Mobile app rollout 2012 • Commenced Tractor Business 2006 ⚫ JV with DBS bank Singapore commenced Consumer Finance and Loan Against Property (LAP) Business 2009 2013 • Commenced HL Business • Commenced CE Business 2014 • 2016 New LEAP LOS Digital platform 2017 Gaadi Bazaar dealer platform . 2018 • Gen 3 scoring model .HRMS SaaS solution 101 ETTE 202 2021 • LAP platform • • digitization Digital Data Centre setup Inspite of Covid pandemic CIFCL B th 2019 • PAT crossed Rs.1000 Cr • HL platform digitization of 16% growth in assets and 44% growth in PAT . AI/ML based scoring model 2020 • Maiden issue of Masala Bonds with CDC • Launched Consumer & Small Enterprise Loan (CSEL), Secured Business & Personal Loan (SBPL) and SME Loan (SME) business. • ROA back to Pre- COVID levels. 2023 • Total AUM crossed 1 lakh Cr. 2024 Total AUM crossed *1.4 lakh Cr. • Increased branch network to 1309. • Launched a composite QIP issue of equity shares and CCD aggregating to Rs.4,000 Cr. • Crossed 1lakh crore market cap in Q2FY24. . Reaffirmed as constituent of FTSE4Good Index Series. • Exited Consumer Finance business 2015 • GNPA recognition at 150 Days 9 LMS Loan Management System LOS Loan Origination System AI/ML - Artificial Intelligence / Machine Learning RLH Resident Locations Heads

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