Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Shriram Transport Finance Company — Q4 FY2019 Earnings Presentation
21 slides from Shriram Finance's earnings presentation, May 8, 2019
Slide 1: Shriram Transport Finance Company filing cover letter
SHRIRAM Transport Finance Company Larded A WINNING RELATIONSHIP SEC/FILING/B SE-NSE/19-20/68A-B May 08, 2019 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalai Street, Fort, Exchange Plaza, 5th Floor, Mumbai — 400 001. Plot no. C/1, G- Block, Scrip Code: 5112
Slide 2: Investor Update – Q4 & FY2019
Our AUM has crossed Cr Just another milestone in our growth journey Shriram Transport Finance Company Ltd Investor Update – Q4 & FY2019 May 08, 2019 SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP
Slide 3: Performance Highlights – FY19 vs FY18
Performance Highlights – FY19 vs FY18 )SHRIRAM Transport Finance Company Urnitee A WINNING RELATIONSHIP FY19 Rs 155,457.0 mn Total Income 16.35% FY18 Rs 133,616.4 mn FY19 Rs 78,075.4 mn Net Interest Income* 15.07% Cost to income ratio at FY18 Rs 67,852.4 mn 21.49% in FY19 as *including Direct assi
Slide 4: Performance Highlights – Q4 FY19 vs Q4 FY18
Performance Highlights – Q4 FY19 vs Q4 FY18 )SHRIRAM Transport Finance Company Urnitee A WINNING RELATIONSHIP Q4 FY19 Rs 38,804.3 mn Total Income 7.63% Q4 FY18 Rs 36,054.7 mn Q4 FY19 Rs 19,058.6 mn Net Interest Income* 2.76% Employee strength at Q4 FY18 Rs 18,546.3 mn 26,630 (including *including
Slide 5: Performance Highlights – Q4 FY19 vs Q4 FY18
Performance Highlights – Q4 FY19 vs Q4 FY18 )SHRIRAM Transport Finance Company Urnitee A WINNING RELATIONSHIP Q4 FY19 Rs 1,044,822.9 mn AUM 8.54% At- Q4 FY18 Rs 962,606.1 mn Q4 FY19 Rs 86,222.7 mn Gross Stage 3 assets 5.09% Q4 FY18 Rs 90,842.1 mn CRAR at 20.27% as of Q4 FY19 compared to 17.38% as
Slide 6: AUM Break-up
AUM Break-up ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 YoY (%) QoQ (%) FY18 FY19 YoY (%) Loan Portfolio - On Books Balance sheet assets 800,013.7 824,615.1 878,147.2 845,331.8 850,847.3 6.35% 0.65% 800,013.7 850,84
Slide 7: Segment-wise Break up
"SHRIRAM Segment-wise Break up Trerepoa Fnance Gmpany amass A WINNING RELATIONSHIP Others, Others, Business 2.47% HCVs, Business 2.77% HCVs, 00 Loans, 46.97% Loans, 46.38% 2.71% 2.84% Tractors, Tractors, 4.08% Q4 FY18 3.52% Q4 FY19 M&LCVs, M&LCVs, Passenger 20.56% Passenger 21.98% Vehicles, Vehicles
Slide 8: Branch & AUM distribution – Q4 FY19 vs Q4 FY18
Branch & AUM distribution – Q4 FY19 vs Q4 FY18 ti SHRIRAM Transport Finance Company Lender] A WINNING RELATIONSHIP Branch (Nos) AUM (Rs in bn) Rural, Rural, 583 Urban, Q4 FY18 630 312.5 Q4 FY18 Urban, Total Branch 1,213 650.1 Total AUM Rs 962.6 bn Rural, 720 0 0 Total Branch 1,545 Q4 FY19 Urban, 825
Slide 9: Provision Analysis
Provision Analysis As per IGAAP ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 YoY (%) QoQ (%) FY18 FY19 YoY (%) Gross NPA 73,763.9 74,585.8 77,488.4 76,411.1 70,997.8 -3.75% -7.08% 73,763.9 70,997.8 -3.75% Net NPA 21,3
Slide 10: Well-entrenched Pan India Network
)SHRIRAM Well-entrenched Pan India Network Transport Finance Company Urnitee A WINNING RELATIONSHIP Regional Split of Branches ABBREVIATIONS Zone Zone Name ZORPR, 71 ZOADH, 165 ZOADH HYDERABAD ZONE ZOPUN, 143 ZODHP DELHI ZONE ZODHP, 44 ZOECE RANCHI ZONE ZOIND, 103 ZOECE, 83 ZOCHN CHANDIGARH ZONE ZOC
Slide 11: P&L Statement
P&L Statement ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 YoY (%) QoQ (%) FY18** FY18 FY19 Interest income 35,718.1 37,116.6 39,184.0 39,691.2 38,449.6 7.65% -3.13% 121,435.5 132,710.3 154,441.4 Interest expended 17,
Slide 12: Balance Sheet
Balance Sheet ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 YoY (%) QoQ (%) I. ASSETS Financial Assets Cash and cash equivalents 10,907.1 3,519.4 3,619.6 20,596.5 10,291.4 -5.64% -50.03% Bank Balance other than above 25,838
Slide 13: Balance Sheet (Continued)
Balance Sheet (Continued) ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 YoY (%) QoQ (%) II. Liabilities and Equity Financial Liabilities Derivative financial instruments 46.8 3,189.9 28,582.7 27,612.0 834.2 1682.48% -96.98%
Slide 14: Key Metrics – Q4 FY19
Key Metrics – Q4 FY19 ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP P&L Metrics (Rs. mn) Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 YoY (%) QoQ (%) FY18* FY18 FY19 Interest Income 35,718.1 37,116.6 39,184.0 39,691.2 38,449.6 7.65% -3.13% 115,961.9 132,710.3 154,441.4 Less: Interest
Slide 15: Reconciliation of Net Profit between Previous GAAP & Ind AS
Reconciliation of Net Profit between Previous GAAP & Ind AS ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Particulars (Rs. mn) Jun-17 Sep-17 Dec-17 Mar-18 FY18 Net profit after tax as per Previous GAAP 4,486.8 4,791.1 4,956.3 1,446.0 15,680.2 Adoption of Effective Interest Rate
Slide 16: Borrowing Profile as on Mar 31, 2019 vs Mar 31, 2018
Borrowing Profile as on Mar 31, 2019 vs Mar 31, 2018 ?,if.,1-Gi!Tfvj Rs 821.31 bn Rs 879.68 bn Other Other Borrowing, Borrowing, Public 1.5% 0.9% Deposit, Public Deposit, 10.4% 11.7% Bonds, 34.0% Bonds, 35.0% Term Loan, Term Loan, 20.5% 22.6% FY18 FY19 Commercial Paper Commercial (Embedded with Pape
Slide 17: Shareholding Pattern as on Mar 31, 2019 vs Mar 31, 2018
Shareholding Pattern as on Mar 31, 2019 vs Mar 31, 2018 ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP No. of shares outstanding: 226.88 mn Other NRI/ OCBs, Other NRI/ OCBs, Corporate 0.13% Promoter & Corporate 0.15% Promoter & Bodies, Promoter Bodies, Promoter 12.15% Group, 11.5
Slide 18: Has Attracted Strong Interest from Quality Investors
Has Attracted Strong Interest from Quality Investors ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP Consistent track record and high growth Current potential has attracted reputed Key Shareholders Shareholding % institutional and private equity investors (Mn Shares) to infuse g
Slide 19: Contact Us
Contact Us liSHRIRAM Transport ;nonce Company Urnitee A WINNING RELATIONSHIP For any Investor Relations queries please contact Sanjay K. Mundra Shriram Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. +91-22-4095 9507 18
Slide 20: About Us
About Us ti SHRIRAM Transport Finance Company Crated A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Finance Co Ltd. is the largest asset financing NBFC in India with Assets on Balance sheet of Rs. 104,482.29 crores. The company is a leader in organized financing of
Slide 21: Thank You
SHRIRAM Trancpcnt Finance Company Limited A WINNING RELATIONSHIP Thank You
Shriram Transport Finance Company — Q4 FY2019 Earnings Presentation on 6ix