Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Shriram Transport Finance Company — Q3 FY2019 Earnings Presentation
21 slides from Shriram Finance's earnings presentation, Jan 28, 2019
Slide 1: Shriram Commercial Vehicle Finance - Investor Update filing letter
SHRIRAM Commercial Vehicle Finance GETS YOU GOING SEC/FILING/BSE-NSE/19-20/68A-B January 28, 2019 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalai Street, Fort, Exchange Plaza, 5th Floor, Mumbai — 400 001. Plot no. C/I, G- Block, Scrip Code: 511218 Bandra-K
Slide 2: Investor Update – Q3 & 9M FY2019
Our AUM has crossed Cr Just another milestone in our growth journey Shriram Transport Finance Company Ltd Investor Update – Q3 & 9M FY2019 January 28, 2019 SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP
Slide 3: Performance Highlights – Q3 FY19 vs Q3 FY18
Performance Highlights – Q3 FY19 vs Q3 FY18 (as per Ind AS) )SHRIRAM Transport Finance Company Urnitee A WINNING RELATIONSHIP Q3 FY19 Rs 39,934.0 mn Total Income 18.22% Q3 FY18 Rs 33,780.0 mn Q3 FY19 Rs 20,269.1 mn Net Interest Income* 16.12% Employee strength at Q3 FY18 Rs 17,455.0 mn 26,256 (inc
Slide 4: Performance Highlights – 9M FY19 vs 9M FY18
Performance Highlights – 9M FY19 vs 9M FY18 (as per Ind AS) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP 9M FY19 Rs 116,724.6 mn Total Income 19.64% 9M FY18 Rs 97,561.6 mn 9M FY19 Rs 58,986.9 mn Net Interest Income* 19.69% 9M FY18 Rs 49,282.8 mn *including Direct assignment Inc
Slide 5: Performance Highlights – Q3 FY19 vs Q3 FY18
Performance Highlights – Q3 FY19 vs Q3 FY18 (as per Ind AS) )SHRIRAM Transport Finance Company Urnitee A WINNING RELATIONSHIP Q3 FY19 Rs 1,038,179.4 mn AUM 14.13% At- Q3 FY18 Rs 909,642.2 mn Q3 FY19 Rs 90,325.2 mn Gross Stage 3 assets 4.26% Q3 FY18 Rs 94,343.4 mn CRAR at 19.72% as of Q3 FY19 compa
Slide 6: AUM Break-up
AUM Break-up (as per Ind AS) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q3 FY18 Q1 FY19 Q2 FY19 Q3 FY19 YoY (%) QoQ (%) 9M FY18 9M FY19 YoY (%) FY18 - On Books - Loan Portfolio 752,337.1 824,615.1 878,147.2 845,331.8 12.36% -3.74% 752,337.1 845,331.8 12.3
Slide 7: Segment-wise Break up
)SHRIRAM Segment-wise Break up Transport Finance Company Umit. A WINNING RELATIONSHIP Others, 1.59% Others, 2.32% Business Loans, HCVs, 46.36% 2.36% Business Loan , HCVs, 46.89% 3.07% SEFCL SEFCL Equipment Equipment Finance, 0.70% Finance, 0.13% Tractors, 4.08% Tractors, 3.70% Q3 FY18 Q3 FY19 Passen
Slide 8: Branch & AUM distribution – Q3 FY19 vs Q3 FY18
Branch & AUM distribution – Q3 FY19 vs Q3 FY18 )SHRIRAM Transport Finance Company Umit. A WINNING RELATIONSHIP Branch (Nos) AUM (Rs in bn) Rural, 511 Rural, Urban, 282.2 Q3 FY18 610 Q3 FY18 Urban, Total Branch 1,121 627.4 Total AUM Rs 909.6 bn Urban, Rural, Rural, Q3 FY19 680 370.7 Q3 FY19 Urban, 66
Slide 9: Provision Analysis
Provision Analysis ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q3 FY18* Q1 FY19 Q2 FY19 Q3 FY19 YoY (%) QoQ (%) 9M FY18* 9M FY19 YoY (%) FY18 Gross NPA 60,463.1 74,585.8 77,488.4 76,411.1 26.38% -1.39% 60,463.1 76,411.1 26.38% 73,763.9 Net NPA 17,510.5 21,
Slide 10: Well-entrenched Pan India Network
)SHRIRAM Well-entrenched Pan India Network Transport Finance Company Urnitee A WINNING RELATIONSHIP Regional Split of Branches ABBREVIATIONS ZOWON, 85 Zone Zone Name ZOADH, 142 ZOADH HYDERABAD ZONE ZOSOU, 194 ZODHP, 82 ZODHP DELHI ZONE ZOECE RANCHI ZONE ZOGRA AHMEDABAD ZONE ZOECE, 95 ZONCE LUCKNOW Z
Slide 11: P&L Statement
P&L Statement (as per Ind AS) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q3 FY18 Q1 FY19 Q2 FY19 Q3 FY19 YoY (%) QoQ (%) 9M FY18 9M FY19 YoY (%) FY18** Interest income 33,614.5 37,107.3 39,173.0 39,681.6 18.05% 1.30% 96,969.0 115,961.9 19.59% 121,435.5 In
Slide 12: Balance Sheet
Balance Sheet (as per Ind AS) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Dec-17 Jun-18 Sep-18 Dec-18 YoY (%) QoQ (%) Mar-18 I. ASSETS Financial Assets Cash and cash equivalents 6,794.4 3,626.6 3,726.3 20,704.6 204.73% 455.63% 11,038.1 Bank Balance other t
Slide 13: Balance Sheet - Continued
Balance Sheet (as per Ind AS - Continued) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Dec-17 Jun-18 Sep-18 Dec-18 YoY (%) QoQ (%) Mar-18 II. Liabilities and Equity Financial Liabilities Derivative financial instruments 1,428.5 3,189.9 28,582.7 27,612.0 183
Slide 14: Key Metrics – Q3 FY19
Key Metrics – Q3 FY19 (as per Ind AS) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP P&L Metrics (Rs. mn) Q3 FY18 Q1 FY19 Q2 FY19 Q3 FY19 YoY (%) QoQ (%) 9M FY18 9M FY19 YoY (%) FY18* Interest Income 33,614.5 37,107.3 39,173.0 39,681.6 18.05% 1.30% 96,969.0 115,961.9 19.59% 121,4
Slide 15: Reconciliation of Net Profit between Previous GAAP & Ind AS
Reconciliation of Net Profit between Previous GAAP & Ind AS ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Jun-17 Sep-17 Dec-17 9M FY18 Net profit after tax as per Previous GAAP 4,486.8 4,791.1 4,956.3 14,234.2 Adoption of Effective Interest Rate (EIR) for am
Slide 16: Borrowing Profile as on Dec 31, 2018 vs Dec 31, 2017
)SHRIRAM Borrowing Profile as on Dec 31, 2018 vs Dec 31, 2017 Transport Finance Company Umit. A WINNING RELATIONSHIP Rs 773.28 bn Rs 895.46 bn Other Borrowing, Other Borrowing, 2.2% 1.8% Public Deposit, Public Deposit, 10.8% 11.6% Bonds, 32.2% Bonds, 32.7% Q3 FY18 Q3 FY19 Term Loan, 20.9% Term Loan,
Slide 17: Shareholding Pattern as on Dec 31, 2018 vs Dec 31, 2017
)SHRIRAM Shareholding Pattern as on Dec 31, 2018 vs Dec 31, 2017 Transport Finance Company Umit. A WINNING RELATIONSHIP No. of shares outstanding: 226.88 mn NRI/ OCBs, NRI/ OCBs, Other Corporate 0.17% Other Corporate 0.25% Bodies, 12.00% Bodies, 12.05% Promoter & Promoter & Promoter Group, Promoter
Slide 18: Has Attracted Strong Interest from Quality Investors
Has Attracted Strong Interest from Quality Investors ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Consistent track record and high growth Current potential has attracted reputed Key Shareholders Shareholding % institutional and private equity investors (Mn Shares) to infuse g
Slide 19: Contact Us
Contact Us liSHRIRAM Transport ;nonce Company Urnitee A WINNING RELATIONSHIP For any Investor Relations queries please contact Sanjay K. Mundra Shriram Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. +91-22-4095 9507 18
Slide 20: About Us
About Us ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Finance Co Ltd. is the largest asset financing NBFC in India with Assets on Balance sheet of Rs. 103,817.94 crores. The company is a leader in organized financing of
Slide 21: Thank You
SHRIRAM Trancpcnt Finance Company Limited A WINNING RELATIONSHIP Thank You
Shriram Transport Finance Company — Q3 FY2019 Earnings Presentation on 6ix