Capri Global Capital Limited

rs,

sponsible for such third-party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking stat

Rs563

iness Performance C A P R I G L O B A L 4 I Executive Summary : Key Highlights ❑ Cons. PAT of Rs563mn (7.3% YoY, 22.1% QoQ) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked

7.3%

formance C A P R I G L O B A L 4 I Executive Summary : Key Highlights ❑ Cons. PAT of Rs563mn (7.3% YoY, 22.1% QoQ) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up stro

22.1%

C A P R I G L O B A L 4 I Executive Summary : Key Highlights ❑ Cons. PAT of Rs563mn (7.3% YoY, 22.1% QoQ) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touchi

11.2%

: Key Highlights ❑ Cons. PAT of Rs563mn (7.3% YoY, 22.1% QoQ) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Co

2.8%

ights ❑ Cons. PAT of Rs563mn (7.3% YoY, 22.1% QoQ) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated

Rs14,860

) in Q2FY23, consolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Lau

57.2%

nsolidated Q2FY23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Launched Gold L

35.9%

Y23 RoE 11.2%, RoA 2.8%. ❑ Disbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Launched Gold Loan business i

Rs77,692

sbursals picked up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Launched Gold Loan business in Aug’22 across 5 states & UTs and 1

47.4%

up strongly touching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Launched Gold Loan business in Aug’22 across 5 states & UTs and 108 branch lo

11.4%

ouching ~Rs14,860mn, up 57.2% YoY and 35.9% QoQ. Consolidated AUM at Rs77,692mn, up 47.4% YoY and 11.4% QoQ. ❑ Launched Gold Loan business in Aug’22 across 5 states & UTs and 108 branch locations, ach

Note

2

Note

• We have changed YoA and CoF calculation methodology to • bring it in-line with the formula used in our rights issue disclosures. Instead of weighted yields and weighted borrowing costs, we have computed average yields and average borrowing costs, due to which, some volatility in the YoA and CoF movement may be seen. YoA = Interest Income / Average Net Advances * 100 CoF = Interest Expense / Average Borrowings * 100. • Average balance sheet aggregates are sequential averages. • Net Interest Margin has been computed on average net advances. • NIM computed on Average AUM was 8.3% in Q2FY23, 7.9% in _____ 0_2_FY_2_2 __ 0_ 3_FY_ 22 ___ 0_4_FY_2_2 __ 0_ 1_FY_ 23 ___ 0_2_FY_2_3 _______ .. _ ..... _ .... _ .... _ ..... _ .... _ .... _ ..... _ .... _ .... _ ..... _ .... _ .... _ ..... _ .... _ .... _ .... _ ..... _ .... _ .... _ ..... _ .... _ .... __________ - ~ Q1FY23, and 9.2% in Q2FY22. C A P R I G L O B A L 15 I Operating Expenses : Opex Up On Branch Rollout r. ..........................

Note

o In-line with the reporting methodology being followed widely, we have shifted from reporting collection efficiency based on POS previously to one based on billing from Q3FY22. o Collection Efficiency = (Total Collections excl. Foreclosures and Prepayments) / Total Billings for the Period * 100 C A P R I G L O B A L 25 Capital Adequacy C A P R I G L O B A L 26 Well Capitalized Balance Sheet: Aid to Expansion I ................................................................................................................................................................... L ................. l L ................. l L ................. J ~ ··················· 1 ~: : Consolidated Networth (INR Mn) ' , ............................................................................................................................................................... ~ : ! : : 20,414 ~ ..................... : 18,763 19,701 18,098 19,225 "a•·• .. ••• ■■ o ■■ O ■■ OL ■ . ...........................