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Investor Presentaiton

Chola Enter a better life Financial Snapshot -10 Years murugappa FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Financials Snapshot YOY IGAAP IGAAP Disbursements 13,114 12,808 IGAAP 16,380 IGAAP 18,591 INDAS INDAS INDAS INDAS INDAS 25,114 30,451 29,091 26,043 35,490 INDAS CAGR (5 years) CAGR (10 years) 66,532 87% 22% 20% Assets under management 23,253 25,452 29,650 34,167 Total Income 3,263 3,691 4,194 4,660 5,529 7,049 Interest expenses 1,771 1,960 2,051 2,231 2,659 3,589 42,924 54,279 60,549 69,996 76,907 9,576 10,139 4,576 4,299 1,06,498 38% 18% 18% 8,715 12,978 28% 16% 17% 4,592 5,749 34% 13% 14% Net Income 1,492 1,731 2,143 2,430 2,870 3,460 4,123 5,000 5,840 7,229 24% 20% 19% Operating Expenses 658 749 845 1,013 1,115 1,270 1,578 1,583 2,069 2,780 34% 22% 17% Operating Profit Before Loan Losses 834 982 1,298 Loan Losses & Provision 283 325 427 1,416 311 1,754 353 2,190 2,545 3,416 3,771 4,449 18% 19% 20% 367 959 1,378 880 850 -3% 23% 13% Profit before tax 550 657 871 1,106 1,401 1,823 1,586 Profit after tax 364 435 568 719 918 1,186 1,052 2,038 1,515 2,891 3,600 25% 19% 23% 2,147 2,666 24% 22% 25% Ratios Net Income to assets (%) 7.7 6.9 7.7 7.5 7.7 7.0 6.9 7.3 7.9 7.7 Expense to assets (%) 3.4 3.0 3.0 3.1 3.0 2.6 2.6 2.3 2.8 3.0 Losses and provisions (%) 1.5 1.3 1.5 1.0 0.9 0.7 1.6 2.0 1.2 0.9 Return on assets (PBT) (%) 2.8 2.6 3.1 3.4 3.7 3.7 2.7 3.0 3.9 3.8 Cost to Net Income (%) 44.1 43.3 39.4 41.7 41.4 38.9 36.7 38.3 31.7 35.4 Networth 2295 *3173 3657 4285 5098 6176 *8172 9560 11708 14296 Tier I 10.5 13.0 13.3 13.6 13.2 12.6 15.3 15.1 16.5 14.8 CAR (%) 17.2 *21.2 19.7 18.6 18.4 17.4 *20.68 19.1 19.6 17.1 Return on equity (%) 17.1 15.8 16.7 18.1 19.6 20.9 15.2 16.9 20.4 20.6 Earnings per share (Basic) 5.1 6.0 7.5 9.2 11.8 15.2 13.4 18.5 26.2 32.5 Dividend 35% 35% 45% 55% 65% 65% 85% 100% 100% 100% Market Capitalisation 4125 8423 11140 15072 22667 22624 12535 45824 58978 62607 GNPA (%) 1.9 3.1 3.5 4.7 3.4 2.7 3.8 4.0 6.8 4.6 NNPA (%) 0.7 2.0 2.1 3.2 2.2 1.7 2.2 2.2 4.7 3.1 NPA Recognition 6month 5month Branch Network 574 534 4month 534 3month 703 3month 873 3month 900 3month 1091 3month 1137 3month 1145 3month 1191 Capital Infusion Spurt in GNPA in FY20 and FY21 was due to Covid and in FY22 was due to new RBI norms on NPA 17 17
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