Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q4 FY2023 Earnings Presentation
20 slides from Can Fin Homes's earnings presentation, Apr 27, 2023
Slide 1: NSE submission cover letter for investor presentation
CAN FIN HOMES LIMITED Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Bengaluru – 560 004 Tel: 080-48536192; Fax: 26565746 e-mail: compsec@canfinhomes.com Web: www.canfinhomes.com CIN – L85110KA1987PLC008699 CFHRO SE CS LODR 86/2023 April 26, 2023
Slide 2: Investor Presentation Q4FY23
Investor Presentation Q4FY23 35 years of vision, passion and progress Offering home loans since 1987….. and it’s just a beginning April 2023
Slide 3: Legacy, Focus, Reach, Financials, Vision
Legacy Focus Reach Financials Vision • 35 year old • To promote home • Headquartered in (Q4FY23) • To increase lending institution registered ownership across Bengaluru • Net Int Income: to new home as a deposit taking India, with a motto • Rs. 261.27 Cr aspirants, enhance HFC with NHB of friendship
Slide 4: Journey of Can Fin Homes
JOURNEY OF CAN FIN HOMES Best BFSI 2015 Award by ET 2021 Edge & Most 1989 11 more branches Rights issue of CFHL Promising are added, including – mCap over Business New Delhi 1991 Leader Award Loan book crossed Rs. 1000 Cr to MD, Girish Rs. 100 Cr Kousgi Successful completion of 35 Years Loan book ov
Slide 5: Board of Directors
Chairman (Promoter) Managing Director & CEO Director (Promoter) Dy. Managing Director Director (Independent) w.e.f 26/04/2023 w.e.f 18/03/2023 Director (Independent) Director (Independent) Director (Independent) Director (Independent) www.canfinhomes.com 4
Slide 6: Our digital focus areas
In order to ensure uninterrupted services to our customers, even during challenging times like today, we leveraged various advanced digital tools and technologies. These enabled us to reach more customers, across the length and breadth of the country, improve our efficiency and tide through challeng
Slide 7: Quarterly performance FY23
Q1 Q2 Q3 Q4 • Disbursement Rs.1721.56 Cr • Disbursement Rs.2245.05 Cr • Disbursement Rs.2444 Cr • Disbursement Rs.2538 Cr • Outstanding Rs.27538.12 Cr • Outstanding Rs.28822.91 Cr • Outstanding Rs.30115 Cr • Outstanding Rs.31563 Cr • NII: Rs.250.40 Cr • NII: Rs.251.17 Cr • NII: Rs. 251.71 Cr • NII:
Slide 8: Key highlights FY23
1. Disbursements during the year 8. Gross NPA 0.55% & Net NPA 0.26%. increased by 8% YOY 9. The Salaried and Professional 2. Loan Book reached Rs. 31563 Cr segment constitutes 73 % of the (+18.16%) with a clientele base of 2.41 outstanding loan book as on lakh. March 23. Housing forms 89% of the Loa
Slide 9: Sequential (As per IND AS)
Amount Rs. in Crore Sl. Sequential (As per IND AS) Particulars No. Mar’23 (3m) Dec’22 (3m) Growth% 1 New Approvals 2769 2585 7% 2 Disbursements 2538 2444 4% 3 Outstanding Loan Book 31563 30115 5% 4 Net Interest Income 261.27 251.71 4% 5 Operating Profit 221.78 212.93 4% 6 Provision for Std Asset 24.
Slide 10: Quarter on Quarter (As per IND AS)
Amount Rs. in Crore Sl. Quarter on Quarter (As per IND AS) Particulars No. Mar’23 (3m) Mar’22 (3m) Growth% 1 New Approvals 2769 3018 (8%) 2 Disbursements 2538 2705 (6%) 3 Outstanding Loan Book 31563 26711 18% 4 Net Interest Income 261.27 237.28 10% 5 Operating Profit 221.78 194.57 14% 6 Provision fo
Slide 11: Year on Year (As per IND AS)
Amount Rs. in Crore Sl. Year on Year (As per IND AS) Particulars No. Mar’23 (12m) Mar’22 (12m) Growth% 1 New Approvals 9307 8896 5% 2 Disbursements 8947 8279 8% 3 Outstanding Loan Book 31563 26711 18% 4 Net Interest Income 1014.55 816.15 24% 5 Operating Profit 865.79 681.99 27% 6 Provision for Std A
Slide 12: Key ratios: period ended
Amount Rs. in Crore Sl. PERIOD ENDED Particulars No. Mar’23 (3m) Mar’22 (3m) 1 Return on Avg Assets (Annualised) 2.32% 2.10% 2 Return on Avg Equity (Annualised) 18.18% 16.03% 3 Earning Per Share (Rs.) 12.45 9.23 4 Net Interest Margin (%) 3.37% 4.15% 5 Yield (%) 9.87% 8.11% 6 Cost (%) 7.51% 5.56% 7 S
Slide 13: Key ratios: period ended (sequential)
Amount Rs. in Crore Sl. PERIOD ENDED (SEQUENTIAL) Particulars No. Mar’23 (3m) Dec’22 (3m) 1 Return on Avg Assets (Annualised) 2.32% 2.16% 2 Return on Avg Equity (Annualised) 18.18% 17.30% 3 Earning Per Share (Rs.) 12.45 11.38 4 Net Interest Margin (%) 3.37% 3.47% 5 Yield (%) 9.87% 8.87% 6 Cost (%) 7
Slide 14: Key ratios: year on year
Amount Rs. in Crore Sl. Year on Year Particulars No. Mar’23 (12m) Mar’22 (12m) 1 Return on Avg Assets (Annualised) 2.17% 2.01% 2 Return on Avg Equity (Annualised) 17.03% 15.36% 3 Earning Per Share (Rs.) 46.65 35.38 4 Net Interest Margin (%) 3.45% 3.57% 5 Yield (%) 8.99% 8.11% 6 Cost (%) 6.34% 5.56%
Slide 15: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount Rs. in Crore Sl. Mar - 22 Jun - 22 Sep - 22 Dec - 22 Mar - 23 Particulars No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 18205 18767 19562 20256 21071 ii) Top-up Personal Loans 767 795 852 915 9
Slide 16: Funding mix March 2022 vs March 2023
Funding Mix @ Mar 2023 (as %) Funding Mix @ Mar 2022 (as %) 4.60% 1.50% 1.98% 11.17% 17.47% 13.89% 53.92% 56.91% 22.51% 16.05% Banks NHB NCD CP DEP Banks NHB NCD CP DEP . Cost of borrowings at 6.53% (March 2022 – 5.56%) www.canfinhomes.com 15
Slide 17: Yield, spread and cost
Yield (%) Spread (%) Cost (%) 2.66% 6.34% 8.99% 2.65% 6.25% 6.19% 8.66% 8.63% 2.45% 8.46% 2.41% 5.80% Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 www.canfinhomes.com 16
Slide 18: Gross NPA, Net NPA and PCR
Gross NPA & Net NPA (%) PCR (%) 62.07% 54% 0.62 50.70% 0.64 0.65 0.6 0.55 43.09% 0.35 0.3 0.3 0.3 0.26 Q4 FY 21-22 Q1 FY 22-23 Q2 FY 22-23 Q3 FY 22-23 Q4 FY 22-23 Q1 FY 22-23 Q2 FY 22- 23 Q3 FY 22- 23 Q4 FY 22- 23 Net NPA GNPA www.canfinhomes.com 17
Slide 19: Branch offices
(205 BRANCH OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (13 Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Bihar – Patna Mancherial, Nizamabad • Rajasthan – Alwar, Jaipur, Mansarovar, Kota, Udaipur, • Tamilnadu – Hosur, Che
Slide 20: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini