Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN

Cholamandalam Investment And Finance — Shareholder Meeting (2011)

15 slides from Cholamandalam Investment And Finance's shareholder meeting presentation, 2011

1. Slide 1: Cholamandalam Investment and Finance Company Limited 33rd Annual General Meeting

   Cholamandalam Investment and Finance Company Limited 33rd Annual General Meeting 1

2. Slide 2: Executive Summary

   Executive Summary • Murugappa Group and DBS Bank agreed to separate amicably • Name of the Company changed from Cholamandalam DBS Finance Limited to Cholamandalam Investment and Finance Company Limited • Chola rebounds with highest ever profits of Rs.100 Cr. • Disbursements for the year aggregated t

3. Slide 3: Key Highlights – Chola

   Key Highlights – Chola Particulars FY – 2009 – 10 FY – 2010 – 11 Growth Disbursements in Cr. 3866 5731 48% Managed Assets – Net in Cr. 6850 9133 33% Profit Before Tax – In Cr. 31.33 100.11 219% Profit After Tax – In Cr. 15.42 62.18 303% Capital Adequacy Ratio ‐ % 14.80% 16.67% 12% Gross Non Performi

4. Slide 4: Key Highlights – Shareholders

   Key Highlights – Shareholders Rs. Earning Per Share Book Value Per Share 6 5.67 95 89.87 5 217% 90 23% 4 85 3 80 1.79 2 75 73.04 1 70 FY ‐ 10 FY ‐11 FY ‐ 10 FY ‐11 Market Price Per Share Market Capitalisation in Cr. 180 172.60 2,500 231% 2,059 160 84% 2,000 140 1,500 120 1,000 623 93.75 100 500 80 ‐

5. Slide 5: Business Lines

   Business Lines Assets* Asset Class Description as at 31 Mar ‘11 Managed #  Provides vehicle financing for NEW and Rs in Cr. Vehicle USED HCVs, LCVs, SCVs, MLCVs, MUVs 6026 Finance and Cars (66%)  Provides loans against residential 2171 Home property to self employed individuals (24%) Equity  Prov

6. Slide 6: Key Highlights – Vehicle Finance

   Key Highlights – Vehicle Finance Rs in Cr. Disbursements Managed Assets 5000 4496 6500 6026 4500 6000 4000 5500 3500 5000 2861 3000 2525 4500 3913 2500 4000 3331 2000 1502 3500 3060 1500 3000 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 Income Profit Before Tax 876 200 189 850 180

7. Slide 7: Key Highlights – Home Equity

   Key Highlights – Home Equity Rs in Cr. Disbursements Managed Assets 1400 1235 2500 2171 1200 1004 2000 1000 1456 1500 800 600 501 1000 734 318 400 348 500 200 0 0 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 Income Profit Before Tax 300 259 60 52 250 50 200 169 40 35 150 30 93 16

8. Slide 8: Key Highlights – Business Finance

   Key Highlights – Business Finance Rs in Cr. Managed Assets 1200 1087 1000 780 800 600 511 363 400 200 0 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 Income Profit Before Tax 150 40 133 35 128 35 30 100 25 74 20 18 17 15 57 15 50 10 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 FY ‐ 08 FY ‐ 09 FY ‐ 10 FY ‐ 11 8

9. Slide 9: Key Highlights – Personal Loans

   Key Highlights – Personal Loans 3000 2500 2000 1500 1000 500 0 Jun‐08 Sep‐08 Dec‐08 Mar‐09 Jun‐09 Sep‐09 Dec‐09 Mar‐10 Jun‐10 Sep‐10 Dec‐10 Mar‐11 Rs. in Cr 2844 2736 2491 2118 1897 1647 1453 1252 758 585 291 157 •Personal Loan exposure brought down to 1% of the Managed Assets •100% provision covera

10. Slide 10: Credit Rating

    Credit Rating  Short Term Instruments : ICRA (A1 +) and CRISIL (P1+)  Long Term Instruments : CARE (AA), ICRA (LAA ‐ / Positive), Fitch (FAA ‐ / Stable) and CRISIL (AA ‐ / Stable)  Perpetual Debt Instrument : CARE (A+) and ICRA (LA+) • Consistent investment grade rating of debt instruments since

11. Slide 11: Subsidiaries Performance

    Subsidiaries Performance • Broking : – Income for the year was Rs.10.14 Cr. – Profit Before Tax was Rs.0.49 Cr. as against profit before tax of Rs.3.48 Cr. • Distribution Services : – Income from Operations for the year was Rs.11.51 Cr. – Profit Before Tax was Rs.6.90 Cr. as against profit before ta

12. Slide 12: Strategy – Road Ahead

    Strategy – Road Ahead Launch of New Products : a) Pilot Launch of Loan against Gold – FY 2011‐12 b) Tractor Financing – Launched in April 2011 New line of business being evaluated are: 1)Asset backed Agricultural financing 2)Construction equipment 3) SME Loans Line extensions being evaluated are: 1)

13. Slide 13: Financial Results – Q1 of FY 12

    Financial Results – Q -1 of FY 12 13

14. Slide 14: Q1 Financial Results

    Q – 1 – Financial Results Particulars Q – 1 – FY 11 Q – 1 – FY 12 Growth Disbursements in Cr. 1246 1672 34% Profit Before Tax in Cr. 23.39 62.70 168% Profit After Tax in Cr. 15.78 37.88 140% Capital Adequacy Ratio ‐ % 15.74% 16.77% 6% Earning Per Share in Rs. 1.74 3.17 82% Market Price Per Share in

15. Slide 15: Thank You

    Thank You Lr (Chola Hl

Cholamandalam Investment and Finance Company — Shareholder Meeting (2011) on 6ix