Investor Presentaiton

Chola Enter a better life murugappa Profit and Loss Statement - Home Loans (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 611 1,454 743 1,575 1,072 1,587 48% 2,425 4,615 90% Closing Assets - Managed 5,938 9,528 6,454 10,801 7,278 12,049 66% 7,278 12,049 66% Income 204 344 222 398 254 481 89% 680 1,223 80% Finance Charges 84 171 99 190 116 216 86% 299 576 93% Net Income 120 173 123 208 139 265 91% 382 646 69% Expenses 30 88 42 102 58 118 103% 130 308 136% Net Credit Losses 5 -2 7 10 16 10 -34% 29 19 -34% PBT 85 87 74 96 64 137 112% 223 319 43% Asset Ratios Income 14.2% 15.4% 14.2% 15.6% 14.7% 16.7% 14.3% 15.9% Cost of Funds 5.9% 7.7% 6.3% 7.4% 6.7% 7.5% 6.3% 7.5% Net Income Margin 8.4% 7.7% 7.9% 8.2% 8.0% 9.2% 8.0% 8.4% Expense 2.1% 3.9% 2.7% 4.0% 3.4% 4.1% 2.7% 4.0% Losses & Provisions 0.4% -0.1% 0.5% 0.4% 0.9% 0.4% 0.6% 0.2% ROA-PBT 5.9% 3.9% 4.7% 3.7% 3.7% 4.8% 4.7% 4.2% Cost to Net Income 25.2% 50.8% 34.1% 49.1% 42.1% 44.5% 34.2% 47.7% 63

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