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CGCL Consolidated Earnings: Du Pont Analysis RoA Tree (%) FY19 FY20 FY21 FY22 FY23 Interest income 14.6 15.4 13.1 13.0 12.3 Interest expenses 5.7 6.5 5.6 5.1 5.6 Net interest income 8.9 8.9 7.5 7.8 6.7 Other income 1.6 1.0 1.2 1.9 2.9 Fees 1.5 0.9 1.2 1.7 2.9 Other income 0.1 0.1 0.0 0.2 0.0 Net income 10.5 9.9 8.7 9.7 9.6 Operating expenses 4.9 4.0 3.0 3.9 6.1 Employee expenses Other expenses 3.2 1.7 27 2.7 1.9 2.7 4.3 1.2 1.0 1.2 1.8 Operating profit 5.6 5.9 5.8 5.8 3.5 Provisions 0.5 0.8 1.2 1.6 0.7 ECL provisions 0.3 0.7 1.1 1.0 0.1 Write-offs 0.2 0.1 0.1 0.7 0.6 Profit before tax 5.2 5.1 4.6 4.2 2.8 Taxes 1.4 1.4 1.1 1.0 0.7 Profit after tax (RoA) 3.7 3.7 3.5 3.2 2.1 CAPRIGLOBAL 37

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