Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q2 FY17 Earnings Presentation
18 slides from Can Fin Homes's earnings presentation, Oct 18, 2016
Slide 1: Modified Investor's Presentation on Financial Results for Q2 FY17
WOMEA CAN py CAN FIN HOMES LTD ¥ % Registered Office N om No. 29/1, 1S Floor, M N Krishna Rao Road Can Fin Homes Ltd Basavanagudi, BENGALURU - 560 004 (Sponsor: CANARA BANK) Tel: 080 26564259; Fax: 080 26565746 e-mail: investor.relationship@canfinhomes.com Teanslating Dreams into Reality Web finh -
Slide 2: Can Fin Homes Ltd. at a Glance
Can Fin Homes Ltd. .. ata Glance 29 years of vision, passion and progress Offering home loans since 1987..... and it is just a beginning Information to Investors H1 FY17 ended September 2016 Focus Reach About us 29 year old institution registered as a deposit taking HFC with NHB Promoted by Canara B
Slide 3: Board of Directors; Performance Highlights - H1 FY17
Board of Directors iy es ea TT SESE SEAN a Name of the Director Designation Occupation a {ee Shri. K.N. Prithviraj | Chairman Former Chairman and (Independent) Managing Director, Oriental Bank of Commerce ee | Shri Sarada Kumar Hota Managing Director General Manager (w.e.f. 19/05/2016) Canara Bank (
Slide 4: Performance Highlights - 2Q FY17
Performance Highlights - 2Q FY17 poles Amountsin Rs. Crore Sept'ls| Sept'lé | Y-0-Y Gr Jun’lé Mar'lé (3m) (3m) (3m) — New Approvals 1517 1191 2 Disbursements 949 1299 37% 1052 3922 3 Outstanding Loan Book 9303 11980 29% 11183 10643 4 Interest Income 254.20 320.29 26% 299.29 1044.41 5 Fees & Other In
Slide 5: Performance Highlights - H1 FY17
? Performance Highlights — H1 FY17 ig cw exsist: Scere Amounts in Rs. Crore Y-0-Y Gi Mar’'1é (FY) 1 New Approvals 1972 2708 37% A418 2 Disbursements 1756 2351 34% 3922 3 Outstanding Loan Book 9303 11980 29% 10643 4 Interest Income 490.93 619.57 26% 1044.41 5 Fees & Other Income 14.98 22.43 50% 39.13
Slide 6: Key Quarterly Data
Key Quarterly Data Amountsin Rs. Crore Incite slehecnt ci]! Mann Q0nN | Septd| OMeNS: p MeaT | abate) 9a AK | Dee 18 Mex duns | septs | a4 2 a4 Qi @ | a3 a4 ar a2 NI 5224 64.03 70.93 8668 91.87, Other income: 5.65 72 580 FIT 11.87 1034 12,09, Totalopex 11.99 13.91 W773 18.18 Provisions 0.56 141 Tax/
Slide 7: Disbursement Profile; Loan Book Growth
Disbursement Profile Rs. crores ® CAGRE Annual Growth .. Year on Year H1 Growth .. Year on Year a | | 2351 | | | | 1617 a73e, | | 712 807 1,05: H1FY15 H1IFY16 H1FY17 www confinhomes com Loan Book Growth Rs. crores B® CAGRE Sepi'l4 ~# of Branches/ Satelite Offices
Slide 8: Asset Quality - Year on Year
Asset Quality - Year on Year 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% * * = 2 = % * Mar'09 Mar'10 Mar'11 Mar'12 Mar'13 Mar'14 Mar'15, Mar'16 —*GNPA —*- NNPA Nil Net NPA for successive 7 Year Asset Quality - Quarter on Quarter 0.35% 7 0.30% ~ 025% | | 0.20% © | | | | 0.15% | | 0.09% a 0.09% 10% 0.10% + or
Slide 9: Net Profit Growth; Capital Adequacy
Net Profit Growth Rs. crores B® CAGCRE ‘Annual Growth .. Year on Year "HI Growth. Year on Year | | 157.11 | | | 49.73) FY14 FY15 FY16 : Hi FY15 H1 FY16 H1 FY17 Capital Adequacy sam EERSTE PDO AD SOBA SE STENS IPS SS TREC 25.0% 20.0% | 15.0% | 12% ane 12% 12% 12%) 10.0% | | | 2 CAR | NHB Requirement
Slide 10: Return Matrices - ROA & ROE; Lending Basket
Return Matrices - ROA & ROE *With Rights Issue (Rs.276 Cx} as on 13/03/15, No, of shares increased from 2.05 cr 10 2.66 ct wuw cantinhomes com Lending Basket Category-wise Product-wise Distribution of Loan Book Category/Produet [mar-14 | mor-is | Mar-16 | sept-16 | i reermromr i Salaried & Professio
Slide 11: Funding Basket
Funding Basket Funding Mix in Sept 2015 ( as%) Funding Mix in Sept 2016 (as%) SEP-15 DEP 3%. BANKS Market pee Borrowings * Backed by strong AAA ratings for our borrowing/NCD & Al+ for CP , cost of ng stands at 8.55% ( vs 8.65% at Jun'1é and 9.12% at Sep'15). Ratings as on 31/03/16 SI. No. | Nature o
Slide 12: Branch network - branches & Satellite Offices
Branch network - 120 branches & 50 Satellite Offices Tamilnadu: Bengaluru (19 branches), Belgaum, Hubli, Davanagere, : Hosur. Chennai (7 branches) , Maduri, Mysore, Mangalore, Mandya Shimoga. Tumkur, UGupt Namokkal.Tichy, Coimbatore, Salem, Erode, Vellore. Thiruchengode, Dindigul. Karur Punjab - Cha
Slide 13: Future Outlook
Future Outlook = aE v Expected Loan book size will be Rs.35,000 Cr by 31/03/20 (Vision 2020 document) Y Business Budgets for 2016-17: = Loan book size of Rs.13,500 Cr (from Rs.10,643 Cr at Mar'16) = Number of Branches/Satellite Offices to be up at 175 (from 140 as at Mar 2016) 30 new Offices (10 bra
Slide 14: Management Team
Management Team pes Managing Director - Mr. Sarada Kumar Hota Deputy General Managers (5) Asst. Gen. Managers (11) Mrs. Shamila M , New Delhi Mr. Sudhakar B M, BLR-Vijayanagar Mr. P.Vijaya Sekhara Raju, P & D, RO. Mr. N.Babu, Hyderabad -Kukkatapally Mr. Ajay kumar G shettar, BLR-Koramangala Mr. G.K.
Slide 15: Business Profile
No. 7 No. of Branches/Offices {i) Branches (il) Satellite Offices & No. of employees (incl. Junior Officers on Contract) Interest Collected (Rs. in cr) i. Housing Loan fi. Non Housing Loan fi. Investment 0 0 Processing Charges (Rs. in ct) 11 Other Income (Rs. in cr) 12 Total Income (Rs. in cr) Busin
Slide 16: Earnings Profile
Earnings Profile fo HI HI is omen [ae 13 Interest Paid (Rs. in cr) 423 610 743 14 Net Interest Income (NI) (Rs. in cr) 134 178 301 135 193 15 Staff Cost (Rs. in cr) 18 25 33 16 Ww 16 Other Expenses (Rs. in cr) i. Establishment (Rent, Repairs & maintenance, Professional fee, Advertising, Auditors fee
Slide 17: Financial Ratios
Financial Ratios IY & Retum on Equity (ROE) % 16.74 118 17.89 16.28 21.73 31 Return on Average Asset (ROA) % 1.53 123 149 155 (1.87 32__ Risk Weighted Assets (Rs. in cr) 3421.11 4945.71 4979.46 5651.18 5942.99 ga COPItal Adequacy Ratio (CAR) % 13.84 1839 2069 1723 (18.87 34 Net Interest Margin (NIM)
Slide 18: Press Release: Net Profit of CFHL for Q2FY17 up by 56%
ering Can Fin Homes ore CANARA BANK) jeunstating Dewsms inte Reality Press Release Net Profit of CFHL for Q2FY17 ended Sep 2016 up by 56% S K Hota, Managing Director On 18/10/16, Can Fin Homes Ltd declared the unaudited financial results of Q2 FY2017, which have been subject to a limited review by t