Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (2025)
29 slides from Cholamandalam Investment And Finance's sustainability presentation, 2025
Slide 1: ESG Presentation Apr'25 – Jun'25
ESG PRESENTATION APR’25 – JUN‘25 1
Slide 2: Contents
Contents ESG at Chola Responsible Product & Process ESG Governance Structure Internal Awareness campaign Policies aligned with SDG Responsible Process ESG Rating and Ranking Improving Efficiency Environmental Consciousness Sustainability Achievements People Power Risk Culture 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 CSR Committee independent Director and a non-executive Director to support and 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 35 24.7 30 24.1 70 25 60 60 63 30 21.6 60 24 20 25 50 19 20 15 40 15 30 10 10 20 5 10 5 0 0 0 FY 22 FY 23 FY 24 FY 23 FY 24 FY 2
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 ➢ Delivered 44 targeted training interventions across: Cyber Security Awareness • Product & Process Knowledge • Rolled out an interactive e-learning module with post- • Sales & Productivity Enhancement assessment • Leadership & People Man
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 • dedicated initiative to • Showcased journeys • Collaborating with empower women across and achievements of business leaders, Chola the organization female colleagues identified and provided targeted opportunities for diverse talent across multiple functio
Slide 12: Responsible Product and Process
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 13: Responsible Products
Responsible Products 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 tailored t
Slide 14: 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 15: Internal Awareness Campaign
Internal Awareness Campaign 15
Slide 16: 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 16
Slide 17: Fair Practice Code
G Fair Practice Code Transparency Builds Trust! Aadhaar Asked? Get it Masked! Fair Play in Penal Charges Making a Wise Switch Pays Off Acknowledgement for Application 17
Slide 18: Decoding KYC Policy
& Chola Enter a better life } Chola Decoding KYC Policy What is is a mandatory process of verifying a customer's identity (such as name, address, photographs, KYC documents, the customer's business activities, etc.) to ensure that the true identity of the customer is established. When the true ident
Slide 19: Code of Conduct
& Chola Code of Conduct A oy 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 20: Cyber Security
xox Chola Cyber Security racy 2G Enter a better life murugappa Phishing Emails Deepfakes Fake emails trying to steal your Al-generated fake videos or formation audio of people you know. Al-powered attacks Phishing emails and scams are getting smarter and more Personalized with Al @ © Verify requests
Slide 21: 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 22: Awareness on Prevention of Sexual Harassment at Workplace
G Awareness on Prevention of Sexual Harassment at Workplace 22
Slide 23: 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 65.61 Cr in QTD Jun’24 and vehicle financing and attempting to i
Slide 24: 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 office. • Green bu
Slide 25: 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 26: 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 contr
Slide 27: 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 28: Chola – Risk Culture
xox Chola Chola — Risk Culture fa OG Enter a better life murugappa Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk People Process Tools & Technology - e = > 2 DevSecOps - Development Security Operations, API — Application programming interface
Slide 29: Thank You
} Chola oc 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 a
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