Capri Global Capital Limited

Rs37,688

O B A L 2 I Key Highlights ❑ Housing and Gold Loan drive business momentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disburs

91%

I Key Highlights ❑ Housing and Gold Loan drive business momentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals co

7%

ghlights ❑ Housing and Gold Loan drive business momentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted

Rs133,621

e business momentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted 50% of consolidated disbursals during Q3FY24

54%

mentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted 50% of consolidated disbursals during Q3FY24. ❑ C

8%

isbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted 50% of consolidated disbursals during Q3FY24. ❑ Car loan

50%

QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted 50% of consolidated disbursals during Q3FY24. ❑ Car loan originations touched Rs28,884mn (84% YoY, 20

Rs28,884

ursals constituted 50% of consolidated disbursals during Q3FY24. ❑ Car loan originations touched Rs28,884mn (84% YoY, 20% QoQ), net fee contribution from the business at Rs289mn in Q3FY24. Wholly-owned s

84%

tituted 50% of consolidated disbursals during Q3FY24. ❑ Car loan originations touched Rs28,884mn (84% YoY, 20% QoQ), net fee contribution from the business at Rs289mn in Q3FY24. Wholly-owned subsidia

20%

0% of consolidated disbursals during Q3FY24. ❑ Car loan originations touched Rs28,884mn (84% YoY, 20% QoQ), net fee contribution from the business at Rs289mn in Q3FY24. Wholly-owned subsidiary ‘Capri

Rs289

oan originations touched Rs28,884mn (84% YoY, 20% QoQ), net fee contribution from the business at Rs289mn in Q3FY24. Wholly-owned subsidiary ‘Capri Loans Car Platform Pvt. Ltd.’ became functional and beg

47%

owever, robust fees from car loan origination and lending businesses supported net income growth of 47% YoY and 6% QoQ. ❑ C/I ratio declined by a sharp 392bps QoQ to 63% as overall opex stayed flat QoQ

“Total Locations (Branches + Feet-on-Street) i : Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 322 450 714 714 714 Note: Political map of India not to scale C A P R I G L O B A L 11 I Car Loan Origination: On Track To Cross Rs100bn In Originations In FY24 Consistently Rising Loan Originations (₹ Mn)^ l.”

“Well Capitalized For Medium Term Growth =···································································································································································1,.”

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

“•· CAGR of 24% FY19-FY23 '····: ............”

“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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000 1 Business Performance C A P R I G L O B A L 2 I Key Highlights ❑ Housing and Gold Loan drive business momentum; disbursals touched Rs37,688mn (91% YoY, 7% QoQ) while Cons. AUM increased to Rs133,621mn (54% YoY, 8% QoQ). Gold Loan disbursals constituted 50% of consolidated disbursals during Q3FY24. ❑ Car loan originations touched Rs28,884mn (84% YoY, 20% QoQ), net fee contribution from the business at Rs289mn in Q3FY24. Wholly-owned subsidiary ‘Capri Loans Car Platform Pvt. Ltd.’ became functional and began accruing income during Q3FY24. ❑ Spread compression, albeit marginal, continued leading to sequential dip in NII. However, robust fees from car loan origination and lending businesses supported net income growth of 47% YoY and 6% QoQ. ❑ C/I ratio declined by a sharp 392bps QoQ to 63% as overall opex stayed flat QoQ aided by a pause in aggressive Gold Loan branch expansion. ❑ Proactive provisioning to raise PCR continued leading to a softer sequential PAT momentum. Cons. PAT was

Note

1. Average of market capitalization on BSE and NSE on 31st December ‘23. 2. 1 US$ = ₹ 83.17 3. Not adjusted for DTAs; ₹ 36.9bn after adjusting for DTAs; 4. 5. The Board of Directors have approved a split from Rs2/- face value to Re1/- face value at the Board Meeting held on 27th January’24. This is subject to shareholder approval. The Board of Directors have also approved a 1:1 bonus issue subject to shareholder approval. 6. AMFI classifies CGCL as a small cap company based on six monthly average market capitalization (Dec’23 rank 306). 7. CGCL is part of NIFTY Smallcap 250 index. C A P R I G L O B A L 37 Leadership C A P R I G L O B A L 38 I Board of Directors Independent Board Guides Executive Management Ajit Mohan Sharan, Independent Director IAS - Batch 1979 with over 3 decades of experience in varied aspects of public administration Beni Prasad Rauka, Independent Director Group CFO- Advanced Enzyme Technologies; over 2.5+ decades of experience; CA &CS Lingam Venkata Prabhakar, Add