Choice International Limited

rs,

6/2023-24 July 17, 2023 To, The Department of Corporate Services, The SSE limited, P. J. Towers, Dalal Street, Mumbai- 400 001 To, The Department of Corporate Services, The NSE limited 5th Fl

29%

A diversified mix for sustainable business Broking & Distribution Stock Broking, Mutual Funds £ 29% 721K 207K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 322 Bn Rs. 4,054 Mn

Rs. 322

ing, Mutual Funds £ 29% 721K 207K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 322 Bn Rs. 4,054 Mn Stock Broking AUM Mutual Fund AUM Insurance £ 186% Rs. 338 Mn £ 106%

Rs. 4,054

unds £ 29% 721K 207K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 322 Bn Rs. 4,054 Mn Stock Broking AUM Mutual Fund AUM Insurance £ 186% Rs. 338 Mn £ 106% 8,008 Insuran

186%

• •••••••• • • • Rs. 322 Bn Rs. 4,054 Mn Stock Broking AUM Mutual Fund AUM Insurance £ 186% Rs. 338 Mn £ 106% 8,008 Insurance Premium No. of Policies Sold Choice The Joy of Eomin

Rs. 338

••••• • • • Rs. 322 Bn Rs. 4,054 Mn Stock Broking AUM Mutual Fund AUM Insurance £ 186% Rs. 338 Mn £ 106% 8,008 Insurance Premium No. of Policies Sold Choice The Joy of Eoming NBFC

106%

s. 322 Bn Rs. 4,054 Mn Stock Broking AUM Mutual Fund AUM Insurance £ 186% Rs. 338 Mn £ 106% 8,008 Insurance Premium No. of Policies Sold Choice The Joy of Eoming NBFC £ 29% Rs

Rs. 4.15

6% 8,008 Insurance Premium No. of Policies Sold Choice The Joy of Eoming NBFC £ 29% Rs. 4.15 Bn .., 67x Rs.1A84 Mn Total Loan Book Retail Loan Book 93.62% Provision Coverage Ratio

67x

ance Premium No. of Policies Sold Choice The Joy of Eoming NBFC £ 29% Rs. 4.15 Bn .., 67x Rs.1A84 Mn Total Loan Book Retail Loan Book 93.62% Provision Coverage Ratio .., 12 bps

Rs.1

Premium No. of Policies Sold Choice The Joy of Eoming NBFC £ 29% Rs. 4.15 Bn .., 67x Rs.1A84 Mn Total Loan Book Retail Loan Book 93.62% Provision Coverage Ratio .., 12 bps 0.27

93.62%

of Eoming NBFC £ 29% Rs. 4.15 Bn .., 67x Rs.1A84 Mn Total Loan Book Retail Loan Book 93.62% Provision Coverage Ratio .., 12 bps 0.27% NNPA 50.36% CRAR NSE Active UCC List as on

12 bps

.., 67x Rs.1A84 Mn Total Loan Book Retail Loan Book 93.62% Provision Coverage Ratio .., 12 bps 0.27% NNPA 50.36% CRAR NSE Active UCC List as on 30th June 202~ Arrows and Figures indic

“Bn) I Long Term Goal 12% 13.5% 200 Medium Term ···································· Goal Out performing global average by 4.5% India Global Avg France USA India Global Avg 2021 2027 Source: Statista.”

“Narendra Modi Hon'ble Prime Minister of India FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 National Infrastructure Pipeline I 9,084 Projects I I US$ 1,806.70 Bn Total Project Cost I I 1,997 Projects Under Development I I 57 Sub-sectors I Projects Value (US$ Bn.) Road& Highways 3,758 404.08 Railways 756 244.72 Water Resources 635 155.81 Logistics Infrastructure Electricity Generation Transmission Distribution 272 13 926 325.39 424 119.5 @Choice International Ltd.”

“79% 5.27 I I Statewise - Order Book I 1% 32% 01 FY23 02 FY23 03 FY23 04 FY23 01 FY24 63% 3K+Km Road Design & Monitoring across India 65+ Project Offices 200K+ PMAY Beneficiary Served • Maharashtra • Rajasthan • West Bengal • Others* *Chhattisgarh Goa Jharkhand Madhya Pradesh Odissa © Choice International Ltd.”

“Infrastructure Consulting Feasibility assessment, detailed project report, project management & monitoring services Proprietary platform for realtime monitoring and to ensure timely completion of projects Choice Tne Jov of Eoming ......”

“430.73 Bn Project Cost Impact of our Flagship Projects © Choice International Ltd.”

Excludes

2

Ukraine War

1

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1

Excludes

• Unallocable revenue: 04FY23 - 42. QlFY24 - 42 · Inter segment revenue elimination: Q4FY23- 38, Q1FY24- 40

Excludes

· Other Unallocable expenditure net off Unallocable income: 24 © Choice International Ltd. StockBroking - Industry Overview I ADTO (Rs. Lacs Crores) I Feb-23 Dec-22 Sep-22 Jun-22 FY22 FY21 Higher Compliance Costs Moderation in client accretion Source: Multiple Research Papers 209 Growing Industry ADTO with increasing share from semi-urban geographies and steady growth of retail participation Beneficial for Choice, being industry leader with: • Enhanced Revenue Streams through • Technology at core for increased operational diversification • Cross Sale Capability • Low Acquisition Cost Focused on Tier 3 & below geographies Physical presence on ground efficiency Focus on Value Added Services like W ealth Management, Research, Advisory and Financial Planning to maximize Customer Engagement Potential Inorganic Growth © Choice International Ltd. StockBroking Expanding our PAN India reach and client demographic I Steadily increasing client base .. 204% 01 FY22 01 FY23 02 FY23 03 FY23 04 FY23

Ukraine War

I I I I I I I I I I 13% I : I o ~-r---------.~--------~--------r-----+--------- 1% ----r-------~-----++-------~-- 2008 tl 2019 q 2020 I 2p18 2q!4 201 b 2012 2009 2013 2011 2023 I 2022 • L __________ : L------~ L _________ : I ,2p21 J. 2016 2w17 L ___________ : 2010: ___________ J ----------~ ~ Bank Credit growth (YoY) - NBFCs AUM growth (YoY) Growth Prospects for NBFCs · Digital Transformation · Schemes by Government · Regulatory Framework · Wider & Effective reach · Robust Risk Management · Innovative Products Source: Boston Consulting Group © Choice International Ltd. NBFC Empowering MSMEs through retail lending tailored specifically for the dynamic semi-urban and rural landscapes Choice The Joy of Eoi'!Wig I Total Loan Book I I Retail Loan Book I Rs. 4,152 Mn Rs. 1,484 Mn Our Offerings c; MSME Business Loan d Commercial Vehicle Finance ® Supply Chain Finance ·»=· ¥ Solar Finance I<ey Competencies First preference for MSME Lending © Choice International Ltd. Choice The Joy of Earning

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