Investor Presentaiton

Executive Summary: Robust All-Round Performance Strong rebound in profitability; Q4FY23 Cons. Net Profit at Rs649mn (55% YoY, 73% QoQ). FY23 Cons. Net Profit flat at Rs2,047mn despite absorbing negative charge of Rs1,614mn on Gold Loan business. ☐ Business sustained strong momentum, Cons. disbursals touched Rs28,110mn (87% YoY, 55% QoQ) led by retail segments. Cons. AUM crossed Rs 103,204mn (56% YoY, 19% QoQ). Gold Loan disbursals constituted 34% of consolidated disbursals during Q4FY23. Exclusive Gold Loan branches increased to 562 in Q4FY23 from 449 in Q3FY23. Car loan originations touched Rs20,324mn (2.7x YoY, 20% QoQ), net fee contribution from the business at Rs379mn / Rs1,179mn in Q4FY23 / FY23 respectively. Successfully concluded Rs14.4bn Rights Issue in Mar'23; CGCL CAR stands improved to 39.9% (24.2% in Q3FY23); shall support medium term growth aspirations. ☐ Gross Stage 3 ratio declined to 1.59% (-81bps YoY, -73bps QoQ); standard restructured assets declined to 93bps of AUM (-224bps YoY, -83bps QoQ). Branch count increased to 736 (6.3x YoY, 1.2x QoQ), group staff count at 9,076 (up 2.8x YoY, 1.1x QoQ). CAPRIGLOBAL

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