Investor Presentaiton

murugappa Chola Enter a better life Profit and Loss Statement - Vehicle Finance (On Book) 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 8,562 11,301 8,502 11,731 10,446 12,354 Closing Assets (On B/S) 54,829 70,918 57,189 75,299 60,980 79,577 Income 1,992 2,491 2,116 18% 27,509 35,385 29% 30% 60,980 79,577 30% 2,684 2,242 2,939 31% 6,350 8,114 28% Finance Charges 798 1,254 889 1,297 1,058 1,421 34% 2,746 3,972 45% Net Income 1,194 1,237 1,227 1,387 1,184 1,518 28% 3,605 4,142 15% Expenses 442 489 477 579 512 627 22% 1,431 1,695 18% Net Credit Losses 280 250 260 311 118 249 111% 658 810 23% PBT 472 499 490 496 554 642 16% 1,515 1,636 8% Asset Ratios Income 14.9% 14.6% 15.0% 14.6% 15.1% 15.1% 15.0% 14.8% Cost of Funds 6.0% 7.3% 6.3% 7.1% 7.1% 7.3% 6.5% 7.2% Net Income Margin 8.9% 7.2% 8.7% 7.5% 7.9% 7.8% 8.5% 7.5% Expense 3.3% 2.9% 3.4% 3.2% 3.4% 3.2% 3.4% 3.1% Losses & Provisions 2.1% 1.5% 1.8% 1.7% 0.8% 1.3% 1.6% 1.5% ROA-PBT 3.5% 2.9% 3.5% 2.7% 3.7% 3.3% 3.6% 3.0% Cost to Net Income 37.1% 39.5% 38.8% 41.8% 43.3% 41.3% 39.7% 40.9% 40 48

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