Choice International Limited

rs,

023-24 October 16, 2023 To, The Department of Corporate Services, The BSE limited, P. J. Towers, Dalal Street, Mumbai- 400 001 Choice The Joy of Eomng To, The Department of Corporate Servic

27%

A diversified mix for sustainable business Broking & Distribution Stock Broking, Mutual Funds £ 27% 768K 195K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 311 Bn Rs. 4,362 Mn

Rs. 311

ing, Mutual Funds £ 27% 768K 195K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 311 Bn Rs. 4,362 Mn Stock Broking AUM Mutual Fund AUM ------------------------------------------

Rs. 4,362

unds £ 27% 768K 195K+ Demat Accounts Active Accounts • • •••••••• • • • Rs. 311 Bn Rs. 4,362 Mn Stock Broking AUM Mutual Fund AUM ---------------------------------------------------------

307%

ng AUM Mutual Fund AUM ---------------------------------------------------------- Insurance £ 307% Rs. 492 Mn £ 248% 8,755 Insurance Premium No. of Policies Sold -------------------------

Rs. 492

Mutual Fund AUM ---------------------------------------------------------- Insurance £ 307% Rs. 492 Mn £ 248% 8,755 Insurance Premium No. of Policies Sold -----------------------------------

248%

AUM ---------------------------------------------------------- Insurance £ 307% Rs. 492 Mn £ 248% 8,755 Insurance Premium No. of Policies Sold ----------------------------------------------

40%

-------------------------------------------------------~ - Choice The Joy of Eoming NBFC £ 40% Rs. 4.74 Bn ... 914% Rs. 2,059 Mn Total Loan Book Retail Loan Book 45.39% Provision Co

Rs. 4.74

-------------------------------------------------~ - Choice The Joy of Eoming NBFC £ 40% Rs. 4.74 Bn ... 914% Rs. 2,059 Mn Total Loan Book Retail Loan Book 45.39% Provision Coverage Rati

914%

-------------------------------~ - Choice The Joy of Eoming NBFC £ 40% Rs. 4.74 Bn ... 914% Rs. 2,059 Mn Total Loan Book Retail Loan Book 45.39% Provision Coverage Ratio • 52 bps

Rs. 2,059

-------------------------~ - Choice The Joy of Eoming NBFC £ 40% Rs. 4.74 Bn ... 914% Rs. 2,059 Mn Total Loan Book Retail Loan Book 45.39% Provision Coverage Ratio • 52 bps 0.64% NN

45.39%

Eoming NBFC £ 40% Rs. 4.74 Bn ... 914% Rs. 2,059 Mn Total Loan Book Retail Loan Book 45.39% Provision Coverage Ratio • 52 bps 0.64% NNPA 44.32% CRAR NSE Active UCC List as on 3

“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.”

“79% 5.45 I I Statewise - Order Book I 4% 4% 20% • Maharashtra • Rajasthan • West Bengal Others* *Chhattisgarh Goa Bihar Jharkhand Madhya Pradesh Odissa Q2 FY23 Q3 FY23 Q4 FY23 Ql FY24 Q2 FY24 72% 3K+Km Road Design & Monitoring across India 65+ Project Offices 200K+ PMAY Beneficiary Served ===========================================;;<;;:\ ©ChoirelnternatioruolLtd.”

“430.73 Bn Project Cost © Choice International Ltd.”

Excludes

2

User Behavior-Driven Client Engagement

1

Scalability Enhancement

1

Auto Scalable Architecture

1

ENHANCEMENTS

1

Ukraine War

1

State Govt.

1

Excludes

· Unallocable revenue: QlFY24 - 42. Q2FY24 - 43 · Inter segment revenue elimination : QlFY24 - 40, Q2FY24 - 120

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. Stocl{ Brol{ing Expanding our PAN India reach and client demographic I Steadily increasing client base ... 188% I I Increased penetration in unserve

User Behavior-Driven Client Engagement

• ----- ;.; -----~~-;~~~-~~~-~~-~~-~~~~~~~-~;i:~;-~-~~~;~~-~~;·;~;~ugh user behavior analysis. Leveraging insights, we have seen success in upselling other products to our clients. ( •}----- @ --

Scalability Enhancement

We achieved major scalability improvements by transitioning from a monolithic architecture to a icroservices based architecture. Additionally, we migrated our backend API architecture from a DLL framework to a cloud based framework, enhancing system performance and reliability.

Auto Scalable Architecture

Implementing an auto-scalable architecture allowed us to increase our system's load capability from 5x to lOx. ensuring seamless service even during peak usage times. UPCOMING

ENHANCEMENTS

Margin Trading Facility (MTF) Orders Advance Orders - Bracket Orders. GTT. Cover Orders and Icebergs Choice The Joy of Earning 44 Million+ -'-"1 API requests served per day - - r-=-'1 ®C) :~~ ·t:::::F 4 Hrs 7 Mins Avg. daily user engagement on app 11 Lakhs+ App Downloads • 22% .A. Figures indicate QoQ change © Choice International Ltd. Stocl{ Broking Simple User Interface, Research, In-app Curated Baskets, Diverse Investment Products Choice The Joy of Earning < SENSEX 66.,496.01 ".. 0 Q. < Scalping Q. < Plan my Investm en t s 1Mhdur• 66,505.45 Oponlnt~es;l 19,14,260 2MF~,;tu r • 66.52.5.00 Call LTP OICrowd St(ike PulLTP OICrowd 1,135.65 {35 I 65,400 29.15 (-7""") 1,070.65 (40"'1 65,500 36.20 1-71 I 975.00 (.43 . ) 65,600 4460 (-6 .... ) 900.60 ~ ...... , 65.700 809.80 (51 I 65,800 66.60 (-87'1(,) 717.20 (64"') 65,900 81.50 (·65"') 6.28..25 {GN) 66,000 100.00 ( ·83"') 555.60 (63' l 66,100 478.8.5 {66 I 66,200 4 11.15 (7 1 l 3-49..30 (7r 66,300 66,400 292.10 (.R1 ) 66,500 Flllen ' Eff.§f