Investor Presentaiton

CGCL Cons. Inc. Statement: Quarterly Comparison Particulars Q4FY23 Q4FY22 Y-O-Y (%) Q3FY23 INR Mn except stated Q-0-Q (%) Interest earned 3,521 2,348 50.0% 3,004 17.2% Interest expended 1,637 916 78.8% 1,394 17.4% Net interest income 1,884 1,433 31.5% 1,610 17.0% Non-interest income 929 544 70.6% 772 20.3% Core operating income 927 536 772 Other income 2 8 0 Total income 2,813 1,977 42.3% 2,382 18.1% Operating expenses 1,917 851 125.2% 1,655 15.8% Employee cost 1,322 570 132.0% 1,139 16.1% Other operating expenses 595 281 111.4% 516 15.3% Operating profit 896 1,126 -20.4% 727 23.2% Total provisions 112 ECL provisions Write-offs Profit before tax 56 55 265 571 -80.4% 245 -54.3% 341 57 230 188 784 555 41.3% 482 62.6% Tax 135 137 108 Implied tax rate 17.3% 24.7% 22.4% Profit after tax 649 418 55.4% EPS (diluted) (Rs.) (not annualised) 3.47 2.35 374 2.10 73.4% CAPRIGLOBAL 33

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