Choice International Limited

rs,

2024-25 January 29, 2025 To, The Department of Corporate Services, The BSE Limited, P.J. Towers, Dalal Street, Mumbai- 400 001 To, The Department of Corporate Services, The NSE Limited 5™ Flo

65%

Our Diversified Financial Offerings Financial Growth Snapshot (CAGR FY 21-24) R C evenue | 65% Stock Broking Wealth Products Insurance Distribution MSME Lending Government Advisor

86%

s Insurance Distribution MSME Lending Government Advisory Investment Banking EBITDA 86% Core Competencies PAN India Presence Institutional & Retail Research Desk Priority Sector

61%

v, our NBFC division, acquired the retail lending business by way of a slump sale, resulting in 61% increase in total AUM to ¥7.54 Bn. Key Highlights A diversified mix for sustainable business

21%

sustainable business Broking & Distribution Stock Broking, Wealth, Insurance A 247 998K A 21% 238K+ Demat Accounts Active Accounts A 38% 3465 Bn A 99% T 10202 Mn Stock Broking AUM

38%

tock Broking, Wealth, Insurance A 247 998K A 21% 238K+ Demat Accounts Active Accounts A 38% 3465 Bn A 99% T 10202 Mn Stock Broking AUM Wealth Products AUM Revenue Split & Advisor

99%

lth, Insurance A 247 998K A 21% 238K+ Demat Accounts Active Accounts A 38% 3465 Bn A 99% T 10202 Mn Stock Broking AUM Wealth Products AUM Revenue Split & Advisory Choice The

8%

roducts AUM Revenue Split & Advisory Choice The Joy of Earning ------------ ® NBFC A 8% X 754 Bn A 126% 3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage R

126%

enue Split & Advisory Choice The Joy of Earning ------------ ® NBFC A 8% X 754 Bn A 126% 3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage Ratio WV 105 bps

146.37%

------------ ® NBFC A 8% X 754 Bn A 126% 3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage Ratio WV 105 bps 0% NNPA *Insurance Govt. Infrastructure Consulting,

105 bps

A 126% 3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage Ratio WV 105 bps 0% NNPA *Insurance Govt. Infrastructure Consulting, Govt. Advisory;, Investment Banking

0%

3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage Ratio WV 105 bps 0% NNPA *Insurance Govt. Infrastructure Consulting, Govt. Advisory;, Investment Banking 21.3

“Accordingly, we will be setting up an Asset Management Company and a Trustee Company.”

“of Policies sold 10+ States Operations ¥ 555 Bn Order book - NSE Active UCC list as on 31st December 2024 - Arrows and figures indicate YOY change - *Numbers are for Q3 FY25 Key Highlights Choice The Joy of Earning A CAGR=42% Revenue (Z Mn) n 5 | !”

“' Q4FY21 QIFY22 Q2FY22 Q3FY22 Q4FY22 QIFY23 Q2FY23 Q3FY23 Q4FY23 QIFY24 Q2FY24 Q3FY24 QA4FY24 QIFY25 Q2FY25 Q3 FY25 A CAGR=90% PAT (?”

“©) Government Securities = = Sovereign Gold Bond = |~ ¢ Corporate Fixed Deposits N = @ MF AUM ( Mn) ( Other Products AUM (¥ Mn) @ sIP Book (¥ Mn) Non-convertible Debentures Market Linked Debentures Insurance - Industry Overview Choice The Joy of Earning Insurance Density (USS) Long Term Goal Total APE - Life Insurers Industry Growth (¥ Bn) N.4% CAGR 2694 32% GDPI Growth - Indian Gl Industry (¥Tn) ™ .”

“8,885 630 736 809 82 I 465 521 1266 1,065 Medium Term Godl ; 853 FY1s FY16 FY17 FY18 FYI9 FY20 FY2l FY22 FY23 FY30 2'3 FY 23 i FY 24 I FY 25E I FY 26E 32 37 FY 17 FY 20 FY 23 World Avg 2023 USA 2023 .”

“Others 053% 2.38% 4.37% 0.26% 2190% 70.56% Q3 FY24 Q4 FY24 QlFY25 Q2 FY25 Q3FY25 Q3 FY24 Q4 FY24 QI FY25 Q2 FY25 Q3 FY25 .”

“With our aim to serve the underserved, we have developed a robust and 100% digital process to eliminate challenges faced by MSMEs.”

“Below 25 @® 251035 @® 361050 ‘ Above 50 48% Age Group of Borrowers Advisory Services - Industry Overview Choice The Joy of Earning Investments in Core Infra (¥ Lakh Cr) 9,084 Projects USS ],806.70 Bn Total Project Cost 37.3 18.3 256 18.9 15 124 8.6 .”

“Transmission Distribution 424 Railways 756 244.72 Advisory Services Choice The Joy of Earning Order Book (¥Bn) Statewise - Order Book 6.20 580 550 555 Q3 FY24 Q4 FY24 QIFY25 Q2 FY25 Q3 FY25 : I I 55% 3K+ Km Road Design & Monitoring across India 50+ g;’ligs 200K+ .”

“[ | oo | e | — 3 States 100+ Districts 350+ Talukas 21K+ Schemes 11 Mn+ Households 60 Mn+ Beneficiaries % 450 Bn+ Project Cost / / / / \ \ \ Impact Of Flagship Projects Choice”

Expanding Horizons

1

Strengthening Portfolio

1

Liagine War

1

Matters

1

Expanding Horizons

SEBI In-Principle Approval for Mutual Fund Setup During the quarter, Choice has received in-principle approval from the Securities and Exchange Board of India (SEBI) for sponsoring/setting up a mutual fund. Accordingly, we will be setting up an Asset Management Company and a Trustee Company. Choice The Joy of Earning &)

Strengthening Portfolio

Retail Lending Business Acquisition Elevates AUM During the quarter, Choice Finserv, our NBFC division, acquired the retail lending business by way of a slump sale, resulting in 61% increase in total AUM to ¥7.54 Bn. Key Highlights A diversified mix for sustainable business Broking & Distribution Stock Broking, Wealth, Insurance A 247 998K A 21% 238K+ Demat Accounts Active Accounts A 38% 3465 Bn A 99% T 10202 Mn Stock Broking AUM Wealth Products AUM Revenue Split & Advisory Choice The Joy of Earning ------------ ® NBFC A 8% X 754 Bn A 126% 3 6.04 Bn Total Loan Book Retail Loan Book 146.37% Provision Coverage Ratio WV 105 bps 0% NNPA *Insurance Govt. Infrastructure Consulting, Govt. Advisory;, Investment Banking 21.31% CRAR A 437% /31 Mn A 4297 54,892 Insurance Premium No. of Policies sold 10+ States Operations ¥ 555 Bn Order book - NSE Active UCC list as on 31st December 2024 - Arrows and figures indicate YOY change - *Numbers are for Q3 FY25 Key Highlights Choice The Joy of Earning A

Liagine War

1 1 1 1 1 1 1 1 11 11 Ik 11 | 18 11 &l bt Jiink 1 | 11 ________ AN RS SIS S | @ Bank Credit growth (YoY) Il NBFCs AUM growth (YoY) NBFCs showing strong out-performance Banks despite multiple regulatory and economic changes Source: Boston Consulting Group Rise in Funding Avenues for green Financing (¥ Lakh Cr) A 59x A 2.5x A ]6])( 10969 : 8.599 7808 ) 3472 i 1 1,863 ] Banks NBFC's Bonds+ECBs @ ryi7-Fv23 @ Fy24-FY30P Source: CRISIL Growth Prospects for NBFCs - Digital Transformation - Regulatory Framework - Wider & Effective reach - Schemes by Government - Robust Risk Management - Innovative Products NBFC Choice The Joy of Earning Empowering MSMEs through retail lending tailored specifically for the dynamic semi-urban and rural landscapes Key Competencies First preference for MSME Lending 100% Priority Sector Lending (PSL) in Retail 100% Digital Documentation X 7.54 Bn Total AUM % 6.04 Bn Retail AUM Parallel Risk Team for fraud prevention Our Offerings On time collections In-House Collec

Matters

Impacting Tomorrow Choice The Joy of Earning Choice is committed to actively participate in India's remarkable growth story and leveraging our resources, expertise, and innovative solutions to make a meaningful impact on various aspects of Indian life, from economic development and employment opportunities to social well-being and environmental sustainability. We aim to be a catalyst for positive change, aligning our success with the progress and prosperity of the nation and its people. @ Partnership with Rajasthan State Developing and executing a comprehensive strategy to bolster the state's investment ecosystem, drive economic growth and foster social inclusivity. © System Integration for computerization of PACS in Bihar, Maharashtra, Haryana, Tamil Nadu & Punjab: With our commitment to driving innovation and positive change in the rural financial landscape, we are set to digitize PACS (Primary Agricultural 8,500+ PACS to be computerized 8 500 E S 9 PACS to be computerized @ Advantag