Investor Presentaiton

Chola Enter a better life Profit and Loss Statement - Loan Against Property murugappa (On Book) Cr Growth % Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2FY24 Q3 FY23 Q3 FY24 Growth % Q3-0-Q3 YTD Dec22 YTD Dec23 (YTD) Y-o-Y Disbursements 2,036 2,679 2,246 Closing Assets (On B/S) 16,257 21,836 17,525 23,771 3,192 2,255 3,409 18,792 26,010 51% 6,537 9,281 42% 38% 18,792 26,010 38% Income 453 672 497 715 575 793 38% 1,524 2,180 43% Finance Charges 227 384 249 399 325 447 37% 801 1,230 53% Net Income 226 288 248 317 249 346 39% 723 950 31% 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 180 215 184 216 169 228 35% 533 659 24% Asset Ratios Income 11.5% 12.8% 11.7% 12.5% 12.6% 12.6% 11.9% 12.6% Cost of Funds 5.8% 7.3% 5.8% 7.0% 7.1% 7.1% 6.3% 7.1% Net Income Margin 5.8% 5.5% 5.8% 5.5% 5.4% 5.5% 5.7% 5.5% Expense 1.3% 1.5% 1.5% 1.9% 1.6% 1.9% 1.5% 1.8% Losses & Provisions -0.1% -0.1% -0.01% -0.1% 0.1% -0.05% 0.02% -0.1% ROA-PBT Cost to Net Income 4.6% 4.1% 4.3% 21.9% 27.7% 26.1% 3.8% 3.7% 33.6% 29.5% 34.8% 3.6% 4.2% 3.8% 25.9% 32.3% 56

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