Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Investor Day (July 2022)
17 slides from Indusind Bank's investor day presentation, Jul 27, 2022
Slide 1: Analyst Day, 27th July 2022
– Analyst Day 27th July 2022
Slide 2: IndusInd Bank – Analyst Day Presentation-2: Vehicle Finance
IndusInd Bank – Analyst Day Presentation-2 Vehicle Finance
Slide 3: Consumer Finance Division: Growth Story
Inception of PAN India Commenced 2 Tractor funding ALF to promote operations wheelers in 2000 initiated in 2014 vehicle sales in & 3 wheelers in Entered CE AHL added in 2018 1985 2004 financing Consumer Finance Merger with Scaled to 1218 Division: Growth Story Foray into IndusInd B
Slide 4: CFD: The Gold Standard
CFD: The Gold Standard VINTAGE NETWORK YIELD CONSCIOUS PROCESSES Seamless consistent Pan India branch Strong presence in Best-in-class TAT operations over past network servicing high yielding tier II & across product 3 decades 43,600 PIN codes III locations segments COLLECTIONS RELATIONSHIP STABLE M
Slide 5: Position & Market Share
MARKET POSITION MARKET SHARE POS (CR) Commercial Vehicle Loans #2 10% ₹17K Construction Position & Market Share Equipment Loans #2 13% ₹9K Light Commercial Vehicle Loans #3 9% ₹7K Small Commercial #3 10% ₹3K Vehicle Loans Tractor & Farm Equipment Loans #4 9% ₹8K Two Wheeler Loans #4 6% ₹5K Passenger
Slide 6: Portfolio: Commercial Vehicle
30+ CV 60+ CV 25 20.00 18.00 20 16.00 14.00 15 12.00 10.00 10 8.00 6.00 5 4.00 Portfolio: 2.00 0.00 Commercial Vehicle 0 90+ CV Total (180+ 720+) CV 7.00 35 6.00 30 5.00 25 4.00 20 3.00 15 2.00 1.00 10 0.00 5 0 June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Apr'22 Source: Leading credit ra
Slide 7: Portfolio: Construction Equipment
30+ CE 60+ CE 16 9 8 14 7 12 6 10 5 8 4 6 3 Portfolio: 4 2 Construction Equipment 2 1 0 0 Dec'19 Mar'20June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Apr'22 Dec'19 Mar'20 June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Apr'22 90+ CE Total (180+ 720+) CE 2.5 16 14 2 12 1.5 10 8 1 6
Slide 8: Portfolio: Passenger Vehicles
30+ PV New 60+ PV New 8.00 12.00 7.00 10.00 6.00 8.00 5.00 4.00 6.00 3.00 4.00 2.00 Portfolio: 2.00 1.00 Passenger Vehicles 0.00 0.00 90+ PV New Total (180+ 720+) PV New 2.5 5 4.5 2 4 3.5 1.5 3 1 2.5 2 0.5 1.5 1 0 0.5 0 June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Apr'22 Source: Leading
Slide 9: Portfolio: Two Wheelers
30+ TW 60+ TW 25 14 12 20 10 15 8 10 6 4 5 Portfolio: 2 Two Wheelers 0 0 90+ TW Total (180+ 720+) TW 6 16 5 14 4 12 10 3 8 2 6 1 4 0 2 0 June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Apr'22 Source: Leading credit rating agency | Values as % of POS
Slide 10: Portfolio: Tractors and Farm Equipment
30+ Tractor 60+ Tractor 20.00 12.00 18.00 10.00 16.00 14.00 8.00 12.00 10.00 6.00 8.00 4.00 6.00 Portfolio: 4.00 2.00 Tractors and Farm 2.00 0.00 0.00 Equipment 90+ Tractor Total (180+ 720+) Tractor 4.5 18 4 16 3.5 14 3 12 2.5 10 2 1.5 8 1 6 0.5 4 0 2 0 June'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec
Slide 11: Focus Areas: Used Cars, CV & Tractors
01. 02. New Light Used Cars, CV Commercial Focus Areas & Tractors Vehicles Spin-off into a separate vertical Through tie-ups with online aggregators & offering dealer funding
Slide 12: Focus Areas: Affordable Home Loans
03. 04. Affordable Tractors Home Loans Focus Areas Lentra LOS implementation and Increased focus on high volume strong team structure centers
Slide 13: Leveraging Digital Campaigns
A transparent, brand new platform for repo vehicles Leveraging Digital Campaigns From better to the best! Leveraging diverse tech to deliver a best-in-class loan approval time of just 15 minutes! Aggregators joining hands with IBL to offer loans online
Slide 14: Your Bank on WhatsApp
Service options on availed vehicle loans available 24x7 on IndusMobile Leveraging Digital Campaigns Campaigns via WhatsApp Banking YOUR BANK IS NOW ON WHATSAPP! Pay EMI anytime via a host of online options
Slide 15: Market Outlook
MARKET UPDATE MARKET UPDATE Commercial vehicle sales to pick up on sustained housing demand, rural and Market Outlook 35% Capex jump infrastructure activities in Budget. Focus on construction & infrastructure development. CRISIL’s growth projection Young middle class, high income & aspirations drive
Slide 16: Many Dreams, One Destination. Thank You
Many Dreams, One Destination. Thank You
Slide 17: Disclaimer
Disclaimer This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No in