Cholamandalam Financial Holdings Limited

rs,

mplex Bandra (E) Mumbai 400 051 The Secretary BSE Limited, 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai 400 001 Symbol : CHOLAHLDNG Scrip Code : 504973 Dear Sir / Madam,

rs29

ESENTATION – Q3-FY22 1 2 Murugappa Group in a Nutshell121YearsYears of Existence$4.2B$22.4B3Sectors29Businesses10Listed Companies19CountriesGeographical Presence90+LocationsManufacturing Locations51,00

60.00%

hen you shall not." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 45.42% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralI

45.42%

shall not." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 45.42% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralInsuranc

49.50%

not." 4 5 Cholamandalam Financial Holdings Limited (CFHL)(Core Investment Company) 60.00% 45.42% 49.50%Cholamandalam Investment and Finance Company Limited (CIFCL) Cholamandalam MS GeneralInsurance Compa

49%

d•Risk Managementand Engineering Solutions -Environment, Health and Safety Shareholding pattern 6 49%24%15%12%Shareholding Patternas of December 31, 2021PromotersMutual FundsPublicFIIInstitutional Hold

24%

isk Managementand Engineering Solutions -Environment, Health and Safety Shareholding pattern 6 49%24%15%12%Shareholding Patternas of December 31, 2021PromotersMutual FundsPublicFIIInstitutional Holders

15%

Managementand Engineering Solutions -Environment, Health and Safety Shareholding pattern 6 49%24%15%12%Shareholding Patternas of December 31, 2021PromotersMutual FundsPublicFIIInstitutional Holders (M

12%

nagementand Engineering Solutions -Environment, Health and Safety Shareholding pattern 6 49%24%15%12%Shareholding Patternas of December 31, 2021PromotersMutual FundsPublicFIIInstitutional Holders (More

1%

olding Patternas of December 31, 2021PromotersMutual FundsPublicFIIInstitutional Holders (More than 1%)Top Domestic Institutional Holdings* ICICI Mutul Fund * Aditya Birla Mutul Fund * HDFC Mutul Fund *

2%

- Consolidated 7 RevenueProfit after taxEPS (Rs.)Q3 FY223,72754313.26Q3 FY213,64545511.34Rs.in Cr.2%19%17%RevenueProfit after taxEPS (Rs.)NetworthYTD-Dec-2110,9021,55338.27Dec-2112,990YTD Dec-2010,382

19%

Consolidated 7 RevenueProfit after taxEPS (Rs.)Q3 FY223,72754313.26Q3 FY213,64545511.34Rs.in Cr.2%19%17%RevenueProfit after taxEPS (Rs.)NetworthYTD-Dec-2110,9021,55338.27Dec-2112,990YTD Dec-2010,3821,5

“There can be no assurance that future developments affecting Cholamandalam Financial Holdings Limited and its subsidiaries will be those anticipated by management.”

Immediate term

1

Immediate term

• • Despite the Covid wave 3 Affordable housing demand is expected to remain intact as economic disruptions are expected to be minimal As cash flows of micro and small businesses improve fresh collections are expected to remain stable; Rollbacks/resolution may take longer since it is difficult for affordable housing borrowers to pay multiple EMIs at the same time Medium term • • • Affordable housing credit is estimated to grow ~7-9% Retail segment demand is likely to continue to be for ready property and self-construction Analysts expect Stage 3 levels to remain 20 – 30 bps higher than FY21 in FY22 • • • Chola does not have material under construction exposure to developer supplied houses Chola’s LTV at a portfolio level is ~56% at origination – indicates adequate security cover ~89% of assets are in tier 2,3,4 cities and suburbs of tier 1 cities • Average ticket size of ~14 lacs – predominantly in tier 2,3,4 cities indicate quality and marketability of portfolio assets • • End use dri