Capri Global Capital Limited

77%

ights : A Sound Beginning to FY24 ❑ Core earnings improve on back of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving wit

26%

Sound Beginning to FY24 ❑ Core earnings improve on back of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving with rising t

51bps

ore earnings improve on back of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving with rising topline contribution from Gold

35bps

improve on back of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving with rising topline contribution from Gold Loan busine

7.0%

ack of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving with rising topline contribution from Gold Loan business and stro

66.0%

ng with rising topline contribution from Gold Loan business and stronger core income; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) af

68.2%

sing topline contribution from Gold Loan business and stronger core income; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorb

50%

iness and stronger core income; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL bu

Rs636

ore income; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL business. ❑ AUM sustaine

38%

e; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL business. ❑ AUM sustained stron

2%

o at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL business. ❑ AUM sustained strong momentum

Rs229

, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL business. ❑ AUM sustained strong momentum in a seasonally weak disbursal quarter; disbu

“compared to Capital Adequacy C A P R I G L O B A L 26 Well Capitalized For Medium Term Growth Consolidated Networth (₹ Mn) Capital Adequacy (%) o o o CGCL raised Rs14.4bn equity capital through a Rights Issue in Mar’23.”

“The Company is well capitalised for medium term growth.”

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

“Any opinion, estimate or projection herein constitutes a judgment as of the date of this Presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”

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1 Business Performance C A P R I G L O B A L 2 Key Highlights : A Sound Beginning to FY24 ❑ Core earnings improve on back of improving loan yields – NII up 77% YoY / 26% QoQ, spreads improve 51bps YoY / 35bps QoQ to 7.0%. ❑ Operating leverage improving with rising topline contribution from Gold Loan business and stronger core income; C/I ratio at 66.0% vs. 68.2% in Q4FY23. Adj. for GL, C/I ratio at ~50%. ❑ Cons. PAT at Rs636mn (38% YoY / -2% QoQ) after absorbing negative charge of Rs229mn* on GL business. ❑ AUM sustained strong momentum in a seasonally weak disbursal quarter; disbursals touched Rs26,869mn (128% YoY, -5% QoQ) while Cons. AUM increased to Rs112,262mn (61% YoY, 9% QoQ). ❑ Gold Loan disbursals constituted 51% of consolidated disbursals during Q1FY24. Exclusive Gold Loan branches increased to 680 in Q1FY24 from 562 in Q4FY23. ❑ Car loan originations touched Rs19,402mn (2.1x YoY, 6% QoQ), net fee contribution from the business at Rs316mn in Q1FY24. ❑ CGCL CAR at 37.2% (39.9%