Capri Global Capital Limited

Rs35,267

L O B A L 2 Key Highlights ❑ Business momentum picked up after a lean Q1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digit

130%

2 Key Highlights ❑ Business momentum picked up after a lean Q1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lend

31%

lights ❑ Business momentum picked up after a lean Q1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lending’ produ

Rs123,585

fter a lean Q1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lending’ product during Q2FY24. ❑ Gold Loan disbursals co

59%

1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lending’ product during Q2FY24. ❑ Gold Loan disbursals constitut

10%

sbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lending’ product during Q2FY24. ❑ Gold Loan disbursals constituted 47% of

47%

Y, 10% QoQ). Launched ‘Digital Lending’ product during Q2FY24. ❑ Gold Loan disbursals constituted 47% of consolidated disbursals during Q2FY24. Exclusive Gold Loan branches increased to 742 in Q2FY24

Rs25,511

old Loan branches increased to 742 in Q2FY24 from 680 in Q1FY24. ❑ Car loan originations touched Rs25,511mn (89% YoY, 42% QoQ), net fee contribution from the business at Rs200mn in Q2FY24. Incorporated ‘

89%

ranches increased to 742 in Q2FY24 from 680 in Q1FY24. ❑ Car loan originations touched Rs25,511mn (89% YoY, 42% QoQ), net fee contribution from the business at Rs200mn in Q2FY24. Incorporated ‘Capri L

42%

ncreased to 742 in Q2FY24 from 680 in Q1FY24. ❑ Car loan originations touched Rs25,511mn (89% YoY, 42% QoQ), net fee contribution from the business at Rs200mn in Q2FY24. Incorporated ‘Capri Loans Car

Rs200

oan originations touched Rs25,511mn (89% YoY, 42% QoQ), net fee contribution from the business at Rs200mn in Q2FY24. Incorporated ‘Capri Loans Car Platform Pvt. Ltd.’ as a wholly- owned subsidiary in Oct

63%

bsidiary in Oct’23. ❑ Core earnings momentum healthy despite sequential spread compression. NII up 63% YoY / 5% QoQ, while Net Income was up 54% YoY / 4% QoQ. ❑ C/I ratio marginally up at 66.9% vs. 66

“compared to Capital Adequacy C A P R I G L O B A L 27 Well Capitalized For Medium Term Growth Consolidated Networth (₹ Mn) Capital Adequacy (%) 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 ❑ Business momentum picked up after a lean Q1FY24; disbursals touched Rs35,267mn (130% YoY, 31% QoQ) while Cons. AUM increased to Rs123,585mn (59% YoY, 10% QoQ). Launched ‘Digital Lending’ product during Q2FY24. ❑ Gold Loan disbursals constituted 47% of consolidated disbursals during Q2FY24. Exclusive Gold Loan branches increased to 742 in Q2FY24 from 680 in Q1FY24. ❑ Car loan originations touched Rs25,511mn (89% YoY, 42% QoQ), net fee contribution from the business at Rs200mn in Q2FY24. Incorporated ‘Capri Loans Car Platform Pvt. Ltd.’ as a wholly- owned subsidiary in Oct’23. ❑ Core earnings momentum healthy despite sequential spread compression. NII up 63% YoY / 5% QoQ, while Net Income was up 54% YoY / 4% QoQ. ❑ C/I ratio marginally up at 66.9% vs. 66.0% in Q1FY24; Adjusted for GL business, C/I ratio flat at 51% (50% in Q1FY24). ❑ Cons. PAT momentum soft at Rs652mn* (16% YoY / 3% QoQ) owing to proactive provisioning. Net