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
17View entire presentation