Enter a Better Life Financial Performance

Chola Enter a better life Profit and Loss Statement - Vehicle Finance (Managed) murugappa Cr Particulars Q1 FY23 Q1 FY24 Q2 FY23 Q2 FY24 Growth % Q2-0-Q2 Growth % H1 FY23 H1 FY24 H1-o-H1 Disbursements 8,562 11,301 8,502 11,731 Closing Assets - Managed 55,376 Income 2,013 71,065 57,606 2,498 2,133 75,396 38% 17,063 31% 57,606 23,032 35% 75,396 31% 2,690 26% 4,146 5,187 25% Finance Charges 811 1,258 928 1,300 40% 1,739 2,558 47% Net Income 1,202 1,239 1,205 1,390 15% 2,407 2,629 9% Expenses 442 489 477 579 22% 919 1,068 16% Net Credit Losses 280 250 260 311 20% 540 561 4% PBT 480 501 468 499 7% 948 1,000 6% Asset Ratios Income 14.9% 14.6% 15.0% 14.6% 15.0% 14.6% Cost of Funds 6.0% 7.3% 6.5% 7.1% 6.3% 7.2% Net Income Margin 8.9% 7.2% 8.5% 7.6% 8.7% 7.4% Expense 3.3% 2.8% 3.3% 3.1% 3.3% 3.0% Losses & Provisions 2.1% 1.5% 1.8% 1.7% 1.9% 1.6% ROA-PBT 3.6% 2.9% 3.3% 2.7% 3.4% 2.8% Cost to Net Income 36.8% 39.4% 39.6% 41.7% 38.2% 40.6% 47

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