Enter a Better Life Financial Performance

Chola Enter a better life Profit and Loss Statement (As per IND AS) Particulars murugappa Cr Growth % H1-o-H1 Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Growth % Q2-o-Q2 H1 FY23 H1 FY24 Disbursements 13,329 20,015 14,623 21,542 47% 27,953 41,557 49% Closing Assets - Managed 86,703 1,22,755 91,841 1,33,775 46% 91,841 1,33,775 46% Income 2,771 4,134 3,038 4,572 51% 5,809 8,706 50% Finance Charges 1,131 2,007 1,340 2,205 65% 2,471 4,212 70% Net Income 1,640 2,127 1,697 2,367 39% 3,337 4,493 35% Expenses 580 787 661 946 43% 1,241 1,733 40% Net Credit Losses 299 372 278 400 44% 577 772 34% PBT 762 968 758 1,021 35% 1,520 1,988 31% Taxes 196 242 195 258 33% 391 500 28% PAT 566 726 563 762 35% 1,129 1,489 32% Asset Ratios Income 13.5% 14.2% 13.6% 14.3% 13.5% 14.3% Cost of Funds 5.5% 6.9% 6.0% 6.9% 5.8% 6.9% Net Income Margin 8.0% 7.3% 7.6% 7.4% 7.8% 7.4% Expense 2.8% 2.7% 3.0% 3.0% 2.9% 2.8% Losses & Provisions 1.5% 1.3% 1.2% 1.3% 1.3% 1.3% ROA-PBT 3.7% 3.3% 3.4% 3.2% 3.5% 3.3% ROA-PAT 2.8% 2.5% 2.5% 2.4% 2.6% 2.4% Gross Stage 3 3,408 3,546 3,375 3,719 3,375 3,719 ECL Provisions - Stage 3 1,387 1,610 1,400 1,760 1,400 1,760 Coverage Ratio - Stage 3 40.7% 45.4% 41.5% 47.3% 41.5% 47.3% Cost to Net Income 35.3% 37.0% 38.9% 40.0% 37.2% 38.6% 24 24

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