Investor Presentaiton

CGCL Consolidated Income Statement: Annual Comparison INR Mn except stated Profit and Loss A/c FY19 FY20 FY21 FY22 FY23 Interest income 5,307 6,700 6,735 8,396 Interest expenses 2,071 2,828 2,887 3,308 11,673 5,311 Net interest income 3,236 3,872 3,848 5,087 6,362 New businesses contributing to Other income 586 433 636 1,231 robust non- 2,719 Fees 558 399 626 1,103 2,703 Other income 27 34 11 128 17 Net income 3,822 4,305 4,484 6,319 9,081 interest income Net Income CAGR of 24% FY19-FY23 Operating expenses 1,790 1,732 1,520 2,536 5,756 Employee expenses 1,175 1,188 994 1,746 4,061 Other expenses 614 544 526 790 1,696 Operating profit 2,032 2,573 2,964 3,783 3,325 Provisions ECL provisions Write-offs 165 353 607 1,057 642 99 299 545 618 71 67 54 62 439 570 Profit before tax 1,867 2,220 2,357 2,726 2,683 Taxes 510 607 588 676 636 Net profit flat in Tax rate (%) 27.3% 27.4% 24.9% 24.8% 23.7% FY23 despite major expansion opex during the Profit after tax 1,357 1,612 1,770 2,050 2,047 year. Earnings per share (Diluted) (Rs.) 7.7 9.2 10.0 11.6 10.9 CAPRIGLOBAL 35

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