Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — H1 FY2025 Earnings Presentation
24 slides from Ptc India Financial Services's earnings presentation, Oct 29, 2024
Slide 1: Investor Presentation for Q2 & H1 FY25 – Exchange Cover Letter
October 29, 2024 To The Manager The Manager Listing Department/ Department of Corporate National Stock Exchange of India Limited Relations Exchange Plaza, C-1, Block G, BSE Limited Bandra- Kurla Complex, Bandra (East), Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400051 Mumbai- 400001 Scrip Symb
Slide 2: Q2 & H1 Investor Presentation
Q2 & H1 INVESTOR PRESENTATION EMPOWERING CHANGE THROUGH SUSTAINABLE INFRASTRUCTURE SOLUTIONS
Slide 3: Table of Contents
TABLE OF CONTENTS 03 04 05 06 09 PFS Value Shareholders PFS Board of Overview Proposition Information at a glance Directors 10 11 12 13 18 Resilient Blueprint for Key Financials Operational Business Model Future Highlights Performance
Slide 4: PFS Overview
PFS OVERVIEW Company Background Vision Focus on sustainable finance with diversified financial solutions to meet specific needs of To be the most preferred financial Infrastructure Projects partner in Sustainable Infrastructure Value Chain Overview Parentage Credit Rating PTC India Financial Service
Slide 5: Shareholder Information
SHAREHOLDER INFORMATION Shareholding Pattern (As on 30th September, 2024) Top Shareholders (As on 30th September, 2024) Individual & Others 26% PTC India Limited 64.99% Banks/FI/Insurance 2% MF/NBFC/Trust 3% Insurance Company 2.11% Bodies Corporate 2% Mutual Funds 2.89% FPI 2% PTC India Ltd 65% FPI
Slide 6: PFS at a Glance
PFS AT A GLANCE Diversified into sunshine sectors like ₹ 5,249 Crore 1. Electric Vehicle Mobility (494 EV), Loan Assets for Q2 FY25 2. Water Treatment Projects (362 million liters per day) 3. Renewable Projects and allied activities (15,000 MW), ₹ 47 Crore 4. Power Transmission, PAT for Q2 FY25 5. W
Slide 7: Quarterly Snapshot
QUARTERLY SNAPSHOT AUM (₹ In Cr) Profit After Tax (₹ In Cr) 7175 5249 5396 161 47 60 Q2FY25 Q2FY24 FY2024 Q2FY25 Q2FY24 FY2024 Net Stage III (₹ In Cr) Return on Assets (%) 501 3.08 3.13 2.27 283 294 Q2FY25 Q2FY24 FY2024 Q2FY25 Q2FY24 FY2024 Q2 & H1 FY25 INVESTOR PRESENTATION 6
Slide 8: Half Yearly Snapshot
HALF YEARLY SNAPSHOT Disbursement (₹ In Cr) Sanctions (₹ In Cr) 566 500 410 305 H1FY25 H1FY24 H1FY25 H1FY24 NIM (%) Net NPA (₹ In Cr) 275 4.55 130 4.40 H1FY25 H1FY24 H1FY25 H1FY24 Q2 & H1 FY25 INVESTOR PRESENTATION 7
Slide 9: Board of Directors
BOARD OF DIRECTORS Mr. R. Balaji Ms. PV Ms. PV Bharathi Bharathi Ms. Seema Bahuguna IndependentDirector Independent Director MD & CEO Independent Director Has 27 years experience. Ex MD & CEO of a Experience of over 36 years Worked in one of the NBFC Corporation Bank. & retired IAS. for almost 17 ye
Slide 10: Resilient Business Model
RESILIENT BUSINESS MODEL Robust credit appraisal Seamless operational Maintain adequate management system and risk management liquidity and focus on processes system cash flow generation System for effective Enhanced focus on Early monitoring of compliance Warning Signal and of loan conditions Stres
Slide 11: Blueprint for Future
BLUEPRINT FOR FUTURE FY25 FY26 / 27 Strengthening the Foundation Back to Growth 1. Resolve legacy issues 1. Focus on distributed infrastructure 2. Institutionalize internal process 2. Reduce portfolio concentration 3. Strengthen Management / Leadership 3. Strengthen risk management 4. Enhance employ
Slide 12: Key Highlights: Empowering Tomorrow: Sustainable Growth in Infrastructure
KEY HIGHLIGHTS Empowering Tomorrow: Sustainable Growth in Infrastructure Year of consolidation and stabilization; PFS has taken steadfast steps in H1FY25. Key Milestones: Elevating governance and driving business to foster sustainable growth and build lasting trust in the financial landscape. Operat
Slide 13: Financials
FINANCIALS
Slide 14: Cash Flows Dynamics as on September 30, 2024
CASH FLOWS DYNAMICS AS ON SEPTEMBER 30, 2024 As on 30th September 2024 Company has liquid funds of ~ ₹ 1,130 Crores including HQLA ₹ in Crore 4548 3278 2456 1598 1412 1312 1270 960 894 1044 704 352 Upto 3M Upto 6M Upto 1Y Upto 3Y Cumulative Total Inflows Cumulative Total Outflows Net Cash Flows/Cumu
Slide 15: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Quarter ended 30th Quarter ended 30th Quarter ended 30th Particulars H1 FY25 H1 FY24 FY 24 September, 2024 June, 2024 September, 2023 - 500 - Loan Sanctioned (₹ Crs) 500 305 525 - 566 78 Loan Disbursed (₹ Crs) 566 410 585 5,249 5,577 7,175 Loan Assets (₹ Crs) 5,249 7,175
Slide 16: Results Overview
RESULTS OVERVIEW Quarter ended 30th Quarter ended 30th June, Quarter ended 30th Particulars H1 FY25 H1 FY24 FY 24 September, 2024 2024 September, 2023 163.41 161.23 201.81 Total Income (₹ Crs) 324.64 395.04 776.28 63.41 59.34 79.99 Profit before tax (₹ Crs) 122.75 129.23 215.98 Tax expense (₹ Crs) 1
Slide 17: Key Operational Indicators
KEY OPERATIONAL INDICATORS Quarter ended 30th Quarter ended 30th June, Quarter ended 30th Particulars H1 FY25 H1 FY24 FY 24 September, 2024 2024 September, 2023 11.97 11.85 10.89 Yield on Earning Loan (%) 11.91 10.83 11.38 2.54 2.55 2.41 Interest Spread (%) 2.55 2.42 2.68 5.02 4.06 4.46 Net Interest
Slide 18: Operational Performance
OPERATIONAL PERFROMANCE
Slide 19: Quarterly Operational Performance – Sector Wise Outstanding
QUARTERLY OPERATIONAL PERFORMANCE – SECTOR WISE OUTSTANDING ₹ in Crore ₹ in Crore Q2 FY25 Q1 FY25 413 (8%) 564 357 359 (10%) 1101 (7%) 1082 (6%) (20%) (21%) 1065 1776 987 1846 (19%) (34%) (19%) (33%) 460 453 (8%) (9%) 183 TOTAL- 5249 181 (3%) (3%) TOTAL- 5577 Renewable Transmission Sustainable Infra
Slide 20: Trend in Borrowing Mix
TREND IN BORROWING MIX 1% 1% 1% 2% 3% 2% 2% 2% 2% 2% 3% 4% 97% 97% 97% 96% 87% 21-Mar 22-Mar 23-Mar 24-Mar H1 FY25 Banks Bonds Commercial Paper ECB FI-STL Q2 & H1 FY25 INVESTOR PRESENTATION 19
Slide 21: Key Ratio Movement
KEY RATIO MOVEMENT 11.91% 11.85% 11.97% 11.41% 10.89% 9.30% 9.43% 8.89% 9.12% 8.48% 4.96% 4.92% 5.02% 4.46% 4.06% 2.52% 2.79% 2.55% 2.54% 2.41% Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Yield Cost of funds NIM Spread Q2 & H1 FY25 INVESTOR PRESENTATION 20
Slide 22: Stressed Assets (Stage III) as on 30th September 2024
STRESSED ASSETS (STAGE III) AS ON 30TH SEPTEMBER 2024 Total Stage III Gross Loan Total Stage III Net Exposure (in ₹ Cr) (in ₹ Cr) 764.37 282.71 KEY ACCOUNTS Gross Loan Provision Net Exposure 100% Provisioned Loan Account Task Road Map (in ₹ Cr) (in ₹ Cr) (in ₹ Cr) NSL Nagapatnam Power & Infratech Pr
Slide 23: Credit Standing Snapshot
CREDIT STANDING SNAPSHOT 01 Company has adequate liquidity in the form of HQLA, liquid assets and undrawn credit lines to meet any contingency. 996 02 Capital Adequacy is at comfortable level with majority in form of Tier I capital. 776 769 767 764 720 03 Improvement in leverage position with simult
Slide 24: Thank You
Abhinav Goyal – VP / Interim CFO Email: abhinav.goyal@ptcfinancial.com Priya Chaudhary - AVP Thank You Email: priya.chaudhary@ptcfinancial.com PTC India Financial Services Ltd 7th Floor Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi - 110 066 INDIA Fax: +91 11 26737373 / 26737374 Email
PTC India Financial Services — H1 FY2025 Earnings Presentation on 6ix