Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q2 FY22 Earnings Presentation
15 slides from Can Fin Homes's earnings presentation, Oct 21, 2021
Slide 1: Submission of Investor Presentation - Post Q2 FY22 results
CAN FIN HOMES LTD Reg istered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 CanFin±Ird captan^ iRANK) (Sponsor: E-mail : compsec@canfinhomes.com Tel: 080 48536192; Fax :080 26565746 Web: www.canfinhomes.com. 9,an'/aling T)ream. ialo 9€ea/ill CIN:L85110KA1987P
Slide 2: Can Fin Homes Limited at a Glance
Can Fin Homes Limited at a Glance 33 successful years of financing dream homes since 1987….. and miles to go…………………….. Information to Investors Q2 FY22 ended Sept 2021
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 33 year old • To promote home • Headquartered in • Last Five Year O/s • To increase lending institution registered ownership across Bangalore Growth /CAGR to new home as a deposit taking India, with a motto (Mar.16 ~ Mar.21) aspirants, enhance HFC with
Slide 4: Board of Directors
BOARD OF DIRECTORS Shri L V Prabhakar Shri Girish Kousgi Shri Debashish Mukherjee Chairman Managing Director & CEO Director (Promoter) Shri G Naganathan Dr. Yeluri Vijayanand Director (Independent) Director (Independent) www.canfinhomes.com 3
Slide 5: Board of Directors
BOARD OF DIRECTORS Shri Satish Kumar Kalra Smt Shubhalakshmi Panse Shri Amitabh Chatterjee Director (Independent) Director (Independent) Director (Promoter) Shri Ajay Kumar Director (Independent) www.canfinhomes.com 4
Slide 6: Performance Highlights – Q2 FY22
PERFORMANCE HIGHLIGHTS – Q2 FY22 1. Disbursements during Q2 increased by 8. Gross NPA 0.78% (0.90%) & Net NPA 153% YOY 0.47% (0.57%). 2. Loan Book Reached Rs. 23584 Cr PCR 40% (36%) (+13%) with a clientele base of 1.86 lakh. 9. 82% of fresh loan approvals during 3. NII: Rs.191.78 Cr, PBT: Rs. 169.04
Slide 7: Performance Highlights – Q2 FY22
PERFORMANCE HIGHLIGHTS – Q2 FY22 Amount in Rs. Cr As per IND AS As per IND AS Sl. Particulars Sep’21 (3m) Jun’21 (3m) Sep’20 (3m) Sep’21 (6m) Sep’20 (6m) No. 1 New Approvals 2288 829 851 3117 1115 2 Disbursements 2208 894 825 3102 1225 3 Outstanding Loan Book 23584 22221 20830 23584 20830 4 Interest
Slide 8: Performance Highlights – Q2 FY22 (Contd.)
PERFORMANCE HIGHLIGHTS – Q2 FY22 Amount in Rs. Cr As per IND AS As per IND AS Sl. Particulars Sep’21 (3m) Jun’21 (3m) Sep’20 (3m) Sep’21 (6m) Sep’20 (6m) No. 13 Provisions for SA & NPA (6.20) 6.55 15.10 0.35 59.24 14 Profit Before Tax 169.04 146.00 172.05 315.05 298.09 Provision for Taxation & 15 45
Slide 9: Key Financial Ratios – Q2 FY22
KEY FINANCIAL RATIOS – Q2 FY22 Amount in Rs. Cr Sl. PERIOD ENDED Particulars No. Sep’21 Jun’21 Sep’20 1 Return on Avg Assets (Annualised) 2.08% 1.97% 2.13% 2 Return on Avg Equity (Annualised) 16.43% 15.97% 18.78% 3 Earning Per Share (Rs.) 17.46 8.17 16.64 4 Net Interest Margin (%) 3.40% 3.31% 4.09%
Slide 10: Lending Basket
LENDING BASKET CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Cr Sl . Category/Product Jun-20 Sept-20 Dec-20 Mar-21 Sep-21 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 13676 13750 14013 14920 16124 ii) Top-up Personal Loans 485 483
Slide 11: Funding Basket
Funding Basket Funding Mix @ Sep 2021 (as %) Funding Mix @ Sep 2020 (as %) CP CP 7% 19% NCD Deposits 11% NCD Banks 1% 7% 47% Deposits 2% NHB Banks 21% 60% NHB 25% • Cost of borrowings contained of 5.57% (vs 5.66% in June 21 & 7.10% in Sep 20) www.canfinhomes.com 10
Slide 12: PCR and Profit Margin
PCR and Profit Margin PCR Profit Margin 40% 26.42% 36% 24.14% 33% 22.59% Mar-21 Jun-21 Sep-21 Mar-21 Jun-21 Sep-21 www.canfinhomes.com 11
Slide 13: Impact of Covid-19
IMPACT OF COVID-19 Covid-19: The COVID-19 pandemic has spread On Liquidity and debt servicing: The Company rapidly throughout the world and has had an has enough liquidity and sufficient unavailed impact on almost all entities either directly or sanctioned limits from banks and financial indirectly.
Slide 14: Branch Network
BRANCH NETWORK (187 BRANCHES + 13 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (10 • Delhi – Nehru Place, Pitampura Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Haryana – Gurgaon, Manesar, • Bihar – Patna Mancher
Slide 15: 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