Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (October 2025)
30 slides from Cholamandalam Investment And Finance's sustainability presentation, October 2025
Slide 1: ESG Presentation Jul'25 – Sep'25
ESG PRESENTATION JUL’25 – SEP‘25 1
Slide 2: Contents
Contents ESG at Chola Responsible Product & Process ESG Governance Structure Improving Efficiency Policies aligned with SDG Internal Awareness campaign ESG Rating and Ranking Sustainability Achievements Environmental Consciousness Risk Culture People Power 2
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 Board reports related to ESG CSR Committee – This Committee comprises of Chairman, an independent Director and a non-executive Director to support and CSR Committee advise Board on the company’s ESG poli
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-Related 3 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 (Yes/No) SDG Sl. N Chola Policies 17 Maternity & Paternity leave policy Yes SDG 3 18 Murugappa Equal Opportunity Policy Yes SDG 5 & 10 19 Policy For Claiming Unclaimed Interest or Principal on Non-Convertible Securities Yes SDG 8 20 Policy on Co-Lending Yes SDG 8 2
Slide 7: Chola ESG Rating and Ranking
Chola ESG Rating and Ranking Sustainalytics Crisil S & P Global lower rank indicates lower risk higher score indicates lower risks higher score indicates lower risks 30 80 40 24.7 34 24.1 70 35 25 60 60 63 30 21.6 60 30 20 24 50 25 15 40 20 30 15 10 20 10 5 10 5 0 0 0 FY 22 FY 23 FY 24 FY 24 FY 24 F
Slide 8: Environmental Consciousness
Environmental Consciousness E Green Building Waste Carbon • We have constructed our new office building at The Company follows the practice of waste As an environmentally responsible company we Guindy, under the supervision of a green disposal through approved vendors for the have taken various step
Slide 9: People Power – Learning and Development
People Power – Learning and Development S Capability Building ➢ 13,602 employees trained, achieving 20% coverage across the organization 401 training programs Cyber Security Awareness • Product & Process Knowledge • Rolled out an interactive e-learning module with post- • Sales & Productivity Enhanc
Slide 10: People Power – Employee Wellness
People Power – Employee Wellness S Employee Well-being: Nurturing Physical, Mental, and Financial Health As part of our Environmental, Social, and Governance (ESG) commitment, we continue to strengthen our focus on employee well-being through structured interventions that address physical, mental, a
Slide 11: People Power – Diversity & Inclusiveness; Empowering Communities
People Power – Diversity & Inclusiveness S Empowering Women Across the Organization ➢ Showcased journeys and achievements of women colleagues. ➢ Created platforms for experience sharing and collaboration with business leaders. ➢ Established a Women’s Forum to foster networking, mentorship, and growt
Slide 12: People Power – Empowering Communities - SRCCP
People Power – Empowering Communities - SRCCP S Focus Area Initiative Location Impact Implementing Partner Primary SDG Health & Provision of Hologic Bone Densitometer Ambilikai, Tamil Nadu Early diagnosis and treatment of Vertebral Christian Hospital SDG 3 – Good Hygiene Fracture, Cardiovascular ris
Slide 13: People Power – Empowering Communities
People Power – Empowering Communities S Primary Focus Area Initiative Location Impact Implementing Partner SDG Installation of smart boards for interactive 150 students have access to Education and visual learning for students with Chennai, Tamil Nadu Hope Charitable Trust technology enabled educati
Slide 14: Responsible Product and Process: Vehicle Finance, Housing Loan, LAP, SBPL
Responsible Product and Process S Vehicle Loan against Housing Loan SBPL Finance property • The Company has actively • Chola is expanding into rural • LAP product provides access to • The Secured Business and started funding electric vehicles areas, enhancing access to credit for individuals and Per
Slide 15: Responsible Product and Process: CSEL, SME
Responsible Product and Process S CSEL - Traditional CSEL - CD SME Gola Loan • The launch of CD financing • MSME lending also encourages • Quick loan approval addressing • (CSEL) division offers a range of through partnerships with local entrepreneurship by urgent financial needs financial solutions
Slide 16: Improving Efficiency
G Improving Efficiency Privacy & Data Security Corporate Governance Policy review at board level on periodic basis; Training Digitization on data security and privacy procedures for Policies and process in place to enable highest Businesses and functions aligned towards going employees; Monitoring o
Slide 17: Internal Awareness Campaign
Internal Awareness Campaign 17
Slide 18: Fair Practice Code
Fair Practice Code G • Appearance Matters • Strict No to Personal Humiliation • It’s the right time to contact • Peaceful Repossession • Refrain from Spray Painting • Watch your Language 18
Slide 19: Fair Practice Code
G Fair Practice Code Making a Wise Switch Pays Off Transparency Builds Trust! Fair Play in Penal Charges 19
Slide 20: Decoding KYC Policy
& Chola Enter a better life ¥} Chola Decoding KYC Policy Whatis isa mandatory process of verifying a customer’ identity (cuch as name, adress, photographs, KYC documents the customer's business activities, etc) to ensure that the true identity of the customer is established When the tru identity oft
Slide 21: Code of Conduct
& Chola Code of Conduct Ty a6 Enter a better life murugappa 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 es 400)
Slide 22: Cyber Security
Cyber Security racy 2G murugappa xox Chola Enter a better life Fake emails trying to steal your Al-generated fake videos or information audio of people you know. Phishing Emails @) Deepfakes Al-powered attacks Phishing emails and scams are getting smarter and more Personalized with Al Carefully exam
Slide 23: Whistle Blower Policy
&} Chola Enter a better life Chola Enier a better life Whistle Blower Policy In line with Chola's commitment to the highest standards of ethical, moral, legal business conduct and open communication, Chola has in place a whistle blower / vigil mechanism to provide an avenue to raise genuine and seri
Slide 24: Awareness on Prevention of Sexual Harassment at Workplace
G Awareness on Prevention of Sexual Harassment at Workplace 24
Slide 25: 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 initiating electric • EV loan disbursements were INR 108.79 Cr in QTD Sep ’24 and vehicle financing and attempting to
Slide 26: Sustainability achievements
Sustainability achievements S GOAL: Continue to focus on providing credit to transport entrepreneurs, new to credit customers and first-time buyers and users Target: • Continue to have strong focus towards ensuring financial inclusion of various marginalized sections of society by offering loans for
Slide 27: Chola – Risk Culture
xox Chola Chola — Risk Culture fa OG Enter a better life murugappa Risk governance & reporting | Clearly defined roles & responsibilities for effective corporate governance Organization structure setup to ensure effective governance Well-defined tracking mechanism & review cadence, @ RCSA (Risk cont
Slide 28: Chola – Risk Culture
Sy Chola Chola — Risk Culture £ eG Enter a better life murugappa Regulatory & compliance risk | Governance further strengthened by robust compliance mechanisms Regular Independent Audit Committee meetings held Specific focus on review of compliance of | policies and processes Annual review and appro
Slide 29: Chola – Risk Culture
G Chola – Risk Culture Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk 29 DevSecOps - Development Security Operations, API – Application programming interface
Slide 30: Thank You
} Chola ox Enter a better life murugappa THANK YOU Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. | Email: customercare@chola.murugappa.com | Website: www.cholamandalam.com Cholamandalam Investment and Finance Company Limited ao
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