Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (January 2025)
29 slides from Cholamandalam Investment And Finance's sustainability presentation, January 2025
Slide 1: ESG Presentation Oct'24 – Dec'24
ESG PRESENTATION Oct’24 – Dec‘24
Slide 2: Contents
Contents Customer Relationship ESG at Chola Management Regulatory compliance and ESG Governance Structure Accountability Policies aligned with SDG Fair Practice Code ESG Rating and Ranking Code of Conduct Environmental Consciousness Customer Cyber Information People Power Customer Escalation Matrix
Slide 3: Environmental, Social & Governance (ESG) at Chola
Environmental, Social & Governance (ESG) at Chola ESG Framework at Chola: This framework guides us to reinforce principles of ESG in all aspects of the company’s businesses and focus its efforts on responsible products, improving efficiency, people power and environmental consciousness aligned with
Slide 4: ESG Governance Structure
ESG Governance Structure Board – The final authority for all the major policy and sustainability reports related to ESG CSR Committee – This Committee comprises of Chairman, an independent Director and a non- executive Director to support and advise Board on the company’s policies, strategies and pr
Slide 5: Policies aligned with SDG
Policies aligned with SDG Complied SDG Sl. N Chola Policies (Yes/No) 1 Appointment of Statutory Auditors Yes SDG 8 2 Board Diversity Policy Yes SDG 5 Board Policy on Resolution of Advances For Covid-19- 3 Related Stressed Accounts Yes SDG 5 & 8 4 Business Responsibility Policy Yes SDG 3, 4, 5, 8, 10
Slide 6: Policies aligned with SDG
Policies aligned with SDG Complied SDG Sl. N Chola Policies (Yes/No) 17 Maternity & Paternity leave policy Yes SDG 3 18 Murugappa Equal Opportunity Policy Yes SDG 5 & 10 Policy For Claiming Unclaimed Interest or Principal on Non- 19 Convertible Securities Yes SDG 8 20 Policy on Co-Lending Yes SDG 8
Slide 7: Chola ESG Rating and Ranking
Chola ESG Rating and Ranking Member of FTSE4Good Index Score of 3.1 S & P Global Sustainalytics (Score/rating (0 to 5) higher score are better higher score indicates lower risks lower rank indicates lower risk 3.2 3.1 25.2 3.1 35 30 25 24.9 30 3 24 24.8 24.7 25 2.9 19 24.6 2.8 2.8 20 2.8 15 24.4 24.
Slide 8: Environmental Consciousness
E Environmental Consciousness Green Building Waste Carbon • We have constructed our new The Company follows the practice of As an environmentally responsible office building at Guindy, under the waste disposal through approved company we have taken various supervision of a green consultant vendors f
Slide 9: People Power
People Power S Learning & Development ➢ In Q3 of FY 2024-25, conducted targeted Product and Process Training Sessions to enhance the productivity of 2,320 low-performing VF Sales Field Executives and 58 Home Loan Sales Field Executives, underscoring our commitment to continuous improvement and empow
Slide 10: People Power
People Power S Empowering Communities ➢ Key focus areas, are ongoing projects of Health, Water and Sanitation, Education, Arts & Culture, Sports, Rural Development, Environmental Sustainability, Research and Development, Road Safety. ➢ refer link areas of implementation, reach and/or beneficiaries D
Slide 11: Responsible Products
G Responsible Products • Financing of Commercial, Passenger, Two-wheelers, Tractors and Construction Equipment in both New and Vehicle Used Vehicles across 1527 branches PAN India • Retail customers especially in smaller towns and rural areas Financing • 65% of disbursements are to micro & small ent
Slide 12: Responsible Process
G Responsible Process • Enabling organised credit to First time borrowers and ‘ New-to-credit’ customers Access to • Partnerships to use advanced techniques to appraise and underwrite customers (for unsecured Personal Loans), in the monthly income range of INR 15000-20000, in underserved professions
Slide 13: Improving Efficiency
G Improving Efficiency Corporate Governance Privacy & Data Security Digitization Policy review at board level on periodic basis; Policies and process in place to enable highest standards in governance and Businesses and functions aligned towards Training on data security and privacy procedures trans
Slide 14: Internal Awareness Campaign
Internal Awareness Campaign 14
Slide 15: Customer Relationship Management
Customer Relationship Management G Charter of Customer Rights • Right to Equitable and Fair Treatment • Right to Privacy and customer confidentiality • Right to Transparency • Right to Grievance Redressal and Compensation • Right to Suitability 15
Slide 16: Regulatory compliance and Accountability
Regulatory compliance and G Accountability 16
Slide 17: Fair Practice Code
Fair Practice Code G • Appearance Matters • It's Right time to Contact • Refrain from Spray Painting • Peaceful Repossession • Strict No to Personal Humiliation • Watch your Language 17
Slide 18: Code of Conduct
§ Chola Enter a better life An excellent customer experience can transform the way customers think about a company. We believe that every Chola employee is an ambassador of Chola to the customer. The way you speak, dress and communicate with customers reflect the values of the 5 lights (Integrity,(
Slide 19: Customer Cyber Information
Customer Cyber Information G Cybersecurity Awareness - Know the flaw Dear All, About Since 2004, the President of the United States and Congress have declared October to be Cybersecurity Awareness Month, time dedicated for everyone to work together to comprehend the importance of cybersecurity. Over
Slide 20: Customer Escalation Matrix
G Customer Escalation Matrix 20
Slide 21: Social Media Google Review
G Social Media Google Review 5 4.7 4.7 4.5 4.5 4.2 4 3.8 3.5 3 2.5 2 1.5 1 0.5 0 Mar'24 Jun'24 Sep'24 Nov'24 Dec'24 21
Slide 22: Sustainability achievements
Sustainability achievements E GOAL: Support greener environment through Electric Vehicles (EV’s) financing.. Target: Achievement: • Support the cause of a greener environment through • EV loan disbursements were INR 68.37 Cr in QTD initiating electric vehicle financing and attempting to Dec’23. Pres
Slide 23: Sustainability achievements
Sustainability achievements E • GOAL: Establish green operational measures across all office branches and raise green awareness among employees and key stakeholders including customers, visitors, CSR recipients etc Target: Achievement: • Achieve green building status for corporate • Green building s
Slide 24: Sustainability achievements
Sustainability achievements E S GOAL: Continue to focus on providing credit to transport entrepreneurs, new to credit customers and first- time buyers and users Achievement: Target: • We are majorly present in in Tier III+ cities • Continue to have strong focus towards ensuring financial which makes
Slide 25: Sustainability achievements
G Sustainability achievements GOAL: Implement best-in class data protection tools and IT governance to ensure 0% data breaches in customer data protection Target: Achievement: • We will organize periodic • Continuous cyber awareness information security activity through Phishing awareness programs a
Slide 26: Chola – Risk Culture
G Chola – Risk Culture Risk governance & reporting | Clearly defined roles & responsibilities for effective corporate governance Organization structure setup to ensure effective governance Well-defined tracking mechanism & review cadence 1 RCSA (Risk control and self-assessment) conducted across • O
Slide 27: Chola – Risk Culture
G Chola – Risk Culture Regulatory & compliance risk | Governance further strengthened by robust compliance mechanisms Regular Independent Audit Annual review and approval of all Committee meetings held key policies by the Board Specific focus on review of compliance of policies and processes Monthly
Slide 28: Chola – Risk Culture: Cyber risk
G Chola – Risk Culture Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk People Process Tools & Technology •1 Well-equipped, adept 3 Continued effort towards 5• Continuous expansion of team of security strengthening protocols suite of tools to monit
Slide 29: Thank You
THANK YOU CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY 29
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