Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q1 FY23 Earnings Presentation
18 slides from Can Fin Homes's earnings presentation, Jul 21, 2022
Slide 1: Cover letter to stock exchanges: submission of investor presentation
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Near Lalbagh West Gate, Basavanagudi Can Fin Homes Ltd (Sponsor : CANAKA BANK.) Bengaluru - 560 004 »1 J J»Fi i i 1 Tel: 080-48536192; Fax: 26565746 /m m rri/n 'Ret/ /i/y e-mail: compsec@canfinhomes.com Web: www.canfin
Slide 2: Investor Presentation 1QFY23 ended June 2022
Investor Presentation 1QFY23 ended June 2022 34 years of vision, passion and progress Offering home loans since 1987….. and it’s just a beginning July 2022
Slide 3: Legacy, Focus, Reach, Financials, Vision
Legacy Focus Reach Financials Vision • 34 year old • To promote home • Headquartered in • Net Interest • To increase lending institution registered ownership across Bangalore Income: Rs. 250 Cr to new home as a deposit taking India, with a motto aspirants, enhance HFC with NHB of friendship • Pan-In
Slide 4: Journey of Can Fin Homes
3 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 Loan Rs. 100 Cr Kousgi book crossed Loan book over 2016 27500
Slide 5: Focusing on our four strategic pillars
Focusing on our four strategic pillars - Growth, Asset Quality, Profitability and Liquidity, we continue to follow prudent lending practices. We look ahead with renewed hope and enthusiasm as we maintain our credo of friendship finance and be a reliable housing finance partner for people from all se
Slide 6: Board of Directors
Managing Director & CEO Director (Independent) Chairman (Promoter) Director (Promoter) Managing Director & CEO, Canara Bank Dy. Managing Director Director (Independent) Director (Independent) Director (Independent) www.canfinhomes.com 5
Slide 7: 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 8: Q1 FY23 highlights
1. Disbursements during the quarter Q1 8. Gross NPA 0.65% & Net NPA 0.30%. increased by 92.68% YOY 9. 84% of fresh loan approvals during 2. Loan Book reached Rs. 27538 Cr FY were for Housing. (+24%) with a clientele base of 2.15 lakh. 10. The Salaried and Professional 3. NII: Rs.250.40 Cr, PBT: Rs.
Slide 9: Sequential performance
Amount in Rs. Crore Sl. Sequential Particulars No. Jun’22 (3m) Mar’22 (3m) Growth% 1 New Approvals 1751 3018 2 Disbursements 1722 2705 3 Outstanding Loan Book 27538 26711 3.10% 4 Net Interest Income 250.40 237.28 5.5% 5 Operating Profit 215.00 194.57 10.50% 6 Provision for Std Asset (11.66) 20.53 7
Slide 10: Year on year performance
Amount in Rs. Crore Sl. Year on Year Particulars No. Jun’22 (3m) Jun’21 (3m) Growth% 1 New Approvals 1751 830 111% 2 Disbursements 1722 893.50 92.68% 3 Outstanding Loan Book 27538 22221 23.93% 4 Net Interest Income 250.40 181.16 38.22% 5 Operating Profit 215.00 152.55 40.94% 6 Provision for Std Asse
Slide 11: Key ratios: June 2022 vs March 2022
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Jun’22 (3m) Mar’22 (3m) 1 Return on Avg Assets (Annualised) 2.41% 2.10% 2 Return on Avg Equity (Annualised) 20.03% 16.03% 3 Earning Per Share (Rs.) 12.18 9.23 4 Net Interest Margin (%) 3.60% 4.07% 5 Yield (%) 8.46% 8.11% 6 Cost (%) 5.80% 5.56% 7 S
Slide 12: Key ratios: June 2022 vs June 2021
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Jun’22 (3m) Jun’21 (3m) 1 Return on Avg Assets (Annualised) 2.41% 1.97% 2 Return on Avg Equity (Annualised) 20.03% 15.97% 3 Earning Per Share (Rs.) 12.18 8.17 4 Net Interest Margin (%) 3.60% 3.30% 5 Yield (%) 8.46% 8.06% 6 Cost (%) 5.80% 5.66% 7 S
Slide 13: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Crore Sl. Jun-21 Sep-21 Dec-21 Mar - 22 Jun - 22 Particulars No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 15079 16124 17132 18205 18767 ii) Top-up Personal Loans 554 625 699 767 795 iii
Slide 14: Funding mix June 2021 vs June 2022
Funding Mix @ Jun 2022 (as %) Funding Mix @ Jun 2021 (as %) 2% 2% 11% 19% 11% 47% 54% 7% 22% 25% Banks NHB NCD CP DEP Banks NHB NCD CP DEP . Cost of borrowings at 5.80% (vs 5.66% in Jun 21 & 5.56% in Mar’22) www.canfinhomes.com 13
Slide 15: Yield, spread and cost
Yield (%) Spread (%) Cost (%) 8.46% 2.66% 5.80% 2.55% 8.11% 2.49% 8.05% 7.99% 5.57% 5.56% 5.56% 2.42% Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 21-22 www.canfinhomes.com 14
Slide 16: Gross NPA, Net NPA and PCR
Gross NPA & Net NPA (%) PCR (Rs.) 0.57 54% 52% 0.47 0.39 45% 0.3 0.3 40% 0.9 0.78 0.71 0.64 0.65 Q1 FY 21-22 Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q1 FY 22-23 GNPA Net NPA Q2 FY 21-22 Q3 FY 21-22 Q4 FY 21-22 Q4 FY 22-23 www.canfinhomes.com 15
Slide 17: Branches and satellite offices
(187 BRANCHES + 13 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (10 Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Bihar – Patna Mancherial, Nizamabad • Rajasthan – Alwar, Jaipur, Mansarovar, Kota, Udaipur, • Tamil
Slide 18: 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