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

Cholamandalam Investment And Finance — Shareholder Meeting (July 2018)

14 slides from Cholamandalam Investment And Finance's shareholder meeting presentation, Jul 26, 2018

  1. Slide 1: Cholamandalam Investment and Finance Company Limited 40th Annual General Meeting

    Cholamandalam Investment and Finance Company Limited 40th Annual A l General G l Meeting M i 26 th July 2018 1

  2. Slide 2: Strong Geographical Presence

    Strong g Geographical g p Presence Jammu & Kashmir (3) Himachal Pradesh (11) Punjab (21) Uttarakhand (14) Harayana (27) Delhi (5) 40 years of OPERATION Rajasthan (68) UP (59) Assam (23) Bihar (34) Meghalaya (3) ‐ Asset Financing Company Mizoram (1) Madhya Pradesh Tripura (4) Gujarat (54) (61) West B

  3. Slide 3: Highlights FY18

    Highlights FY18 • Higher at Rs. 25,114 Cr. compared to Rs. 18,591 Cr. in FY 17, Disbursements registering a growth of 35% • Grew by 36% and was at Rs. 974 Cr. PAT • For the first time, the PAT ROTA crossed the 3% mark. AUM • Grew by 25% at Rs. 42,879 Cr. compared to Rs. 34,167 Cr. in FY 17. • We hav

  4. Slide 4: Highlights FY18

    Highlights FY18 • At the end of FY 18 declined to 2.9% compared to 4.7% at the end of FY GNPA 17 17. • Was lower at 1.7% at the end of FY 18 compared to 3.2% at the end of NNPA FY 17 17. PCR • Improved to 43.5% in FY 18 as compared to 31.6% in FY 17. • CRISIL, ICRA, India Rating and CARE have upgrad

  5. Slide 5: Standalone Financials

    Standalone Financials Rs in Cr Profit & Loss Account Mar-18 Mar-17 Growth% Income 5,426 4,660 16.4% Finance Costs (2,308) (2,231) 3.5% Operating Expenses & Losses (1,635) (1,324) 23.5% Profit Before Tax 1 483 1,483 1 106 1,106 34 2% 34.2% Taxes (509) (387) 31.6% Profit After Tax 974 719 35.5% Balanc

  6. Slide 6: Vehicle Finance - Financial Summary FY 18

    Vehicle Finance - Financial Summary FY 18 Disbursements Assets Under Management (₹ Cr) (₹ Cr) *31,505 3,355 20,540 *23,631 *20,100 *17,639 3,360 14,471 2,186 12,383 2,717 9 363 9,363 14,922 17,914 20,271 28,150 FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 On Book Assigned * Total AUM Income 4,382 Profit

  7. Slide 7: Home Equity - Financial Summary FY 18

    Home Equity - Financial Summary FY 18 Disbursements Assets Under Management (₹ Cr) 3,476 (₹ Cr) 3,174 *9,593 , *9,997 3 043 3,043 3,056 *8 852 *8,852 *7,280 2,904 2,879 1,978 831 6,449 6,873 6,689 7,118 FY15 FY16 FY17 FY18 On Book Assigned * Total AUM FY15 FY16 FY17 FY18 Income 1,217 1,205 Profit Be

  8. Slide 8: Chola – Financial Summary FY 18

    Chola – Financial Summary FY 18 Disbursements Assets Under Management (₹ Cr) (₹ Cr) *25,114 *42,879 1,399 *18,591 *34,167 *16,380 1,064 3,174 *29,650 6,234 *12,808 , 521 *25,452 3 056 3,056 4 164 4,164 6,263 , 402 3,476 3,548 3,043 20,540 21,904 25,486 27,904 36,645 9,363 12,383 14,471 FY15 FY16 FY1

  9. Slide 9: Key Data - Shareholders

    Key Data - Shareholders 329.46 Earnings Per Share Book Value Per Share ₹ 62.32 ₹ 274.19 234.23 46.01 203.48 37.50 30.09 FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 1,449.70 22,662 Market Price Per Share 50% Market Capitalization 50% ₹ (₹ Cr.) 964.45 15,072 713.45 11,140 587.60 8,442 31‐Mar‐15 31‐Mar‐16

  10. Slide 10: Chola Finance – Share Price Movement

    Chola Finance – Share Price Movement 90% 1512.85, 30‐Jun‐18 964.45 , 31‐Mar‐17, 65% 40% 15% ‐10% ‐35% 35% Mar‐17 Jun‐17 Sep‐17 Dec‐17 Mar‐18 Jun‐18 Chola Finance Sensex Source: BSE Sensex 10

  11. Slide 11: Financial Results Q1 FY19

    Financial Results QQ1 FY19 11

  12. Slide 12: Q1 Financial Results (IND AS)

    Q1 Financial Results (IND AS) Particulars Q1 FY19 Q1 FY18 Growth Disbursements in Cr. 7,014.35 , 4,852.98 , 44.5% Profit Before Tax in Cr. 438.78 324.20 35.3% Profit After Tax in Cr. 285.25 209.69 36.0% Earnings Per Share in Rs. 73.2 53.8 36.0% Market Price Per Share in Rs. 1,512.85 1,118.95 35.2% M

  13. Slide 13: Reconciliation – IGAAP and IND AS

    Reconciliation – IGAAP and IND AS Rs in Cr. Q1 Q1 Full Year Particulars FY19 FY18 FY18 Profit before tax as per IGAAP 402.47 318.13 1,483.31 Adjustments as per IND AS ‐ (charge) / Benefit Adoption of Effective Interest Rate (EIR) for amortisation of income and expenses ‐ financial assets at amortise

  14. Slide 14: Chola – Financial Summary FY 18

    Chola – Financial Summary FY 18 Net Income Margin (A) Expense Ratio (B) (Operating Income ‐ Finance Charges) 4.0% 9.7% 3.4% 3.4% 3.6% 8.7% 8.6% 7.9% FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18 Losses and Provisions (C) ROTA (PBT) (D) = (A) ‐ (B) ‐ (C) 1.7% 1.5% 4.6% 3.9% 3.6% 1.1% 1.1% 3.0% FY15 FY16 FY

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