Akme Fintrade (india) Limited · NSE:AFIL
Akme Fintrade (india) — Q2 FY25 Earnings Presentation
26 slides from Akme Fintrade (india)'s earnings presentation, Oct 29, 2024
Slide 1: Exchange cover letter for investor presentation
Date: 29th October, 2024 Na onal Stock Exchange of BSE Limited India Limited (NSE) Phiroze JeejeeBhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai – 400 001 Bandra, Mumbai – 400 051 Scrip Code: 544200 Symbol: AFIL Subject: Investor Presenta on for the Quarter/Half
Slide 2: Q2 & H1 FY25 Investor Presentation
Q2 & H1 FY25 Investor Presentation
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by Akme Fintrade (India) Limited (the “Company” or “Akme” or “AFL”) solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on
Slide 4: Company Overview
Company E Overview
Slide 5: Company Overview
Company Overview SCALE ASSET PROFILE CREDIT QUALITY LIABILITY PROFILE PROFITABILITY 495.41 CR+ Secured 3.13% 200 CR+ Return on average Total AUM 495 CR+ GNPA Borrowings asset 6.67%* (*annualised) BBB (Stable) 24 Branches 35 Points of Presence 1.47% NNPA 11.55%* RoAE Rating on Long term Instrument (*
Slide 6: Aasaan Loans – Leadership
Aasaan Loans – Leadership Mr. Nirmal Kumar Jain Mr. Akash Jain Ms. Rajni Gehlot Mr. Shiv Prakash Shrimali CMD Chief Executive Officer Chief Financial Officer Chief Operating Officer Mr. Nirmal Kumar Jain, a seasoned With over 20 years of experience, a Ms. Rajni Gehlot, a qualified Chartered With ove
Slide 7: Stewarding Growth: Aasaan Loans Team
Stewarding Growth: Aasaan Loans Team Mr. Rajendra Chittora | Executive Director Mr. Vimal Bolia Sardarsinghji | Non Executive Independent Director Appointed as a Non- Executive Independent Director in the company. He is a qualified Executive Director with more than two decades of experience in the a
Slide 8: Aspirations in Actions Aasaan loans
Aspirations in Actions Aasaan loans MISSION VISION To empower people via financial inclusion & To be ideal online platform where everyone is able to understanding, helping them to make sound get fast monetary assistance & unique solutions to their borrowing decisions financial requirements Core Valu
Slide 9: Aasaan Loans Journey: Key Events and Milestones
Aasaan Loans Journey : Key Events and Milestones Year 1996 Year 2023 Ideation & Company formation in Rajasthan Year 2021 • Formally inducted professional KMPs to drive Year 2015 - 2016 Effectively managed loan portfolio Business and inducted 3 senior bankers and Year 1997 • Achieved AUM of ₹84crs. a
Slide 10: India's Loan Sector: Opportunities and Growth Trends
India's Loan Sector : Opportunities and Growth Trends Total Loan Mortgage Loan Personal Loan • Significant opportunities exist for Aasaan Loans to expand its presence in rural banking, given the large underbanked population and rising incomes in these areas. • Aligning offerings with government fina
Slide 11: Target Group & Products
Target Group & Products Credit Exposure (As of September 2024): ₹10,010.41 lakhs Customer Profile: Transport operators | Small businesses | Self-employed | Salaried individuals Asset Financing: Two-Wheelers | Three-Wheelers | Passenger vehicles Small Business Owners Vehicle Finance SME/Business Loan
Slide 12: Aasaan Loans Products
Aasaan Loans Products Aasaan Vehicle Aasaan Aasaan Loan Aasaan Aasaan Mahila Loan Saral Udyog Loan Against Property Farm Equipment Loan Udyog Loan On-road finance for new and Secured loans against Secured loans to meet Convenient financing for Empowering financial used two, three and four property f
Slide 13: Our Extensive Network
Our Extensive Network Registered Office : Udaipur, Rajasthan. Corporate Office : Mumbai, Maharashtra 4 States 203 Staff Members Our Extensive Branches Network • • Thane Ahmedabad • Mandasaur 24 Branches 35 Points of Presence • • • Jodhpur Chittorgarh Sabla • Salumber Rajasthan • Pune • Surat 2,00,00
Slide 14: Business Operations
Business Operations Enterprise Wide Integration Hub and Spoke Model Loan management system : Integrated Retail Operations : Conducted through registered platform for all activities and functions office in Udaipur, Rajasthan. Branch Network : 24 branches in Rajasthan, Efficiencies : streamlining back
Slide 15: Lending Operations
Lending Operations Screening Evaluation Approval Scanning & Monitoring Loan Origination Preparation of initial Preparation of final Preparation of credit memorandum credit memorandum transaction documents Discussion between of our business teams Preparation of Review Execution proposal to corporate
Slide 16: Strengths
Strengths Proven Execution Capabilities in Well-Established Vehicle Finance Rural and Semi-Urban Geographies and Small Business Lending Stable and Experienced Stable and Experienced Management Team Management Team Hub and Spoke Business Model Robust Underwriting Process for Efficiency COMPETITIVE an
Slide 17: Key Financial Highlights
Key Financial Highlights Disbursement product wise AUM Product wise 80 69.7 68.96 100.00% 58.2 78.30% 78.70% 78.94% 60 80.00% 41.8 60.00% 40 30.3 30.97 40.00% 21.70% 21.20% 21.06% 20 20.00% 0 0.00% FY 22 FY23 FY 24 FY 22 FY23 FY 24 SME/LAP Vehical Loans SME/LAP Vehical Loans 3 60.00% 2.46 51.19% 49.
Slide 18: Key Financial Highlights
Key Financial Highlights GNPA (%) NNPA(%) Net Interest Margin 6 12.00% 10.92% 5 10.01% 4.9 10.00% 4.57 8.06% 7.92% 4 4.06 8.00% 3.57 3.44 3.63 3 6.00% 2.97 4.00% 2 1.74 2.00% 1 0.00% 0 FY 21 FY22 FY 23 FY 24 FY 21 FY 22 FY 23 FY 24 Net Interest Margin 250 223.24 5.00% 204.71 4.25% 3.80% 200 4.00% 3.
Slide 19: Key Financial Highlights Q2FY25
Key Financial Highlights Q2FY25 Profit and Loss Statement Profit & Loss for the Q2FY25 Q2FY24 Y-o-Y (%) Q1FY25 Q-o-Q (%) Period Interest Income 23.59 16.63 41.85% 19.20 22.86% Interest Expense 7.57 6.62 14.35% 8.20 (7.68%) Fee & Other Income 0.43 0.48 (10.42%) 2.13 (79.81%) Total Net Income 16.45 10
Slide 20: Key Financial Highlights H1FY25
Key Financial Highlights H1FY25 Profit and Loss Statement Profit & Loss for the Period H1FY25 H1FY24 Y-o-Y (%) Interest Income 42.79 31.86 34.31% Interest Expense 15.78 13.04 21.01% Other Operating Income 2.56 1.67 53.29% Total Income 29.58 20.49 44.36% Impairment of Financial Instruments 0.87 2.62
Slide 21: Key Financial Highlights H1FY25
Key Financial Highlights H1FY25 Profit and Loss Statement Profit & Loss for the Period H1FY25 H1FY24 Y-o-Y (%) Interest Income 42.79 31.86 34.31 Interest Expense 15.78 13.04 21.01 Fee & Other Income 2.56 1.67 53.29 Total Net Income 29.58 20.49 44.36 OPEX 4.60 4.30 6.98 Write Offs 0.00 0.25 -100.00 P
Slide 22: Key Financial Highlights: Balance Sheet Summary
Key Financial Highlights Balance Sheet Summary Balance Sheet as of 30th Sep 2024 30th Sep 2023 Loan Assets (Net of ECL) 456.44 368.43 Other Assets 111.41 25.23 Total Assets 567.85 393.66 Borrowings 203.96 174.84 Other Liabilities 6.93 7.46 Total Liabilities 210.89 182.30 Total Equities 356.96 211.36
Slide 23: Strategic Focus Areas
St rategic Focus Areas Brand Enhancement for Product Diversification and Technology integration Customer Attraction Cross – Selling Opportunities for Business Growth Brand Strengthening : Increasing brand recall Leveraging Network : Utilizing branch Automated Systems: Upgrading technology for to att
Slide 24: Strategic Focus Areas
St rategic Focus Areas Digitization and Product Geographical Presence Focus on Small Business owners Portfolio Expansion Expansion and Self- Employed individuals Digital Platform Launch : Rolling out Current Presence : 12 branches in Market Focus : targeting emerging opportunities in www.aasaanloans
Slide 25: Forward Focus: Navigating Towards Success
Forward Focus : Navigating Towards Success 1 2 3 Tailored credit solutions & Cutting-edge technology Customer-centric ethos financial empowerment & data analytics driving fostering trust & loyalty to drive lower for untapped rural & semi-urban markets strategic insights cost of customer acquisition
Slide 26: Thank You
THANK YOU AKME FINTRADE (INDIA) LTD Investor Relations Advisors: Mr. Manoj Chobisa ADFACTORS PR PVT. LTD. Company Secretary and Compliance Officer Mr. Aditya Tikare / Mr. Bhavya Aggarwal aditya.tikare@adfactorspr.com / bhavya.Aggarwal@adfactorspr.com | cs@aasaanloans.com | https://aasaanloans.com/ w
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