Investor Presentaiton
Non-Interest Income: Important Contributor to Core Income
Non-Interest Income (INR Mn)
Non-Interest Income / Net Income (%)
619
435
1,020
35.5
36.3
31.3
31.7
844
24.9
677
Q4FY22
Q1FY23
Q2FY23
Q3FY23
Q4FY23
Q4FY22
Q1FY23
Q2FY23
Q3FY23
Q4FY23
О
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CGCL's non-interest income has become an important contributor to the Company's net income. The share of non-interest
income in net income was 36.3%.
Fees from the car loan origination business and co-lending income are two main drivers of this income. Both these businesses
were launched in the last two years and have scaled up fast.
CGCL earned Rs379mn / Rs1,179mn in net fees from the car loan origination business in Q4FY23 / FY23 respectively. The
corresponding income in Q4FY22/FY22 was Rs123mn / Rs276mn respectively.
CGCL booked Rs557mn through co-lending business in FY23 compared to Rs 170mn in FY22.
CAPRIGLOBAL
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