Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q4 FY20 Earnings Presentation
20 slides from Can Fin Homes's earnings presentation, Jun 16, 2020
Slide 1: Submission of Investor Presentation - Post Q4 FY20 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 CanFinHomes Ltd E-mail: compsec@canfinhomes.com Tel : 080 26564259 Fax :080 26565746 (sponsor: BANK) Web: Si m CIN:L85110KA1987PLC008699 CFHRO SE CS LODR 055/2020 16/06/2020 ONLINE SUBMISS
Slide 2: Can Fin Homes Ltd. at a Glance
Can Fin Homes Ltd. at a Glance years of vision, passion and progress…. offering home loans since 1987….. and the journey continues Information to Investors Q4 FY20 ended March 2020
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 32 year old • To promote home • Headquartered in • Last Five Year O/s • To continue our institution registered ownership across Bangalore Growth /CAGR journey with high as a deposit taking India, with a motto (Mar.15 ~ Mar.20) asset quality, HFC with N
Slide 4: Board of Directors
BOARD OF DIRECTORS Smt. Bharati Rao Shri Girish Kousgi Shri Debashish Mukherjee Shri Shreekant M Bhandiwad Chairperson (Independent) Managing Director & CEO Director (Promoter) Dy. Managing Director Former Dy. Managing Managing Director & CEO Executive Director Dy.General Manager Canara Director Sta
Slide 5: Journey of Can Fin Homes
JOURNEY OF CAN FIN HOMES 2015 1989 11 more branches Rights issue of CFHL are added, including – mCap over New Delhi 1991 Loan book crossed Rs. 1000 Cr Rs. 100 Cr Loan book over 2016 100th branch at Begur, Rs. 10000 crore 1987 Bangalore. 1st satellite 2013 AUM crossed 2019 First branch of CFHL office
Slide 6: Performance Highlights - Q4 FY20
PERFORMANCE HIGHLIGHTS - Q4 FY20 1. Loan Book reached Rs. 20708 Cr 5. Gross NPA 0.76% & Net NPA 0.68%. (+13%) with a clientele base of 1.70 6. 90% of fresh loan approvals during lakh were for Housing, 5% for Top up 2. NII: Rs.675 Cr (+24%), PBT: Rs.518 Cr Loans 5% for Loans Against (+10%) and PAT: R
Slide 7: Can Fin Homes - Fact Sheet
CAN FIN HOMES – FACT SHEET 01 05 More than 70% of our lending is Consistent Loan Book growth to salaried class 02 06 Best Asset Quality amongst Peers Sustainable NIM, ROA and ROE 03 Focus on HL to Individuals (90% to HL, 07 Consistency in profit making and 5% for Top-Up loans & 5% for LAP) dividend
Slide 8: Performance Highlights - Q4 FY20
PERFORMANCE HIGHLIGHTS - Q4 FY20 Amount in Rs. Cr Quarter Ended Year Ended Sl. No Particulars Mar’20 Dec’19 Mar’19 Mar’20 Mar’19 (3m) (3m) (3m) (12m) (12m) 1 New Approvals 1,566 1,617 1,738 5,897 5,952 2 Disbursements 1,394 1,477 1,554 5,481 5,479 3 Outstanding Loan Book Growth 536.90 572.44 812 232
Slide 9: Performance Highlights - Q4 FY20
PERFORMANCE HIGHLIGHTS - Q4 FY20 Amount in Rs. Cr Quarter Ended Year Ended Sl. Particulars Mar’20 Dec’19 Mar’19 Mar’20 Mar’19 YoY Gr No (3m) (3m) (3m) (12m) (12m) 13 Profit Before Tax & Provisions 159.76 150.12 117.58 578.60 470.60 22.95% 14 Provision for SA & NPA 40.83 4.55 1.09 60.32 1.09 15 Profi
Slide 10: Key Financial Ratios - Q4 FY20
KEY FINANCIAL RATIOS - Q4 FY20 Amount in Rs. Cr Sl. Period Ended Particulars No Mar’20 Dec’19 Mar’19 1 Return on Avg Assets (Annualised) 1.93% 1.98% 1.76% 2 Return on Avg Equity (Annualised) 17.44% 19.74 18.16% 3 Earning Per Share (Rs.) 28.25 21.42 22.29 4 Net Interest Margin (%) 3.52% 3.42% 3.33% 5
Slide 11: Fresh Approvals, Disbursements and Loan Book Growth
FRESH APPROVALS, DISBURSEMENTS AND LOAN BOOK GROWTH Amount in Rs. Cr Fresh Approvals Annual Growth… Year on Year 7000 5952 5760 5897 6000 5451 5000 4418 3670 4000 2907 3000 2000 1000 0 FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 Fresh Approvals Year on Year Disbursements Annual Growth… Year on Year 60
Slide 12: Movement of NPA
MOVEMENT OF NPA Amount in Rs. Cr Sl. No Particulars Previous Year Current Year 1 Movement of NPAs (Gross) Opening balance 67.49 113.51 Additions during the year 67.52 75.08 Reductions during the year 21.50 31.46 Closing balance 113.51 157.13 2 Movement of provisions for NPAs Opening balance 35.87 34
Slide 13: Lending Basket
LENDING BASKET CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Cr Sl. Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Category/Product No O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 12012 12441 12860 13255 13598 ii) Top-up Personal Loans 412 425 445
Slide 14: Lending Basket
LENDING BASKET Category wise Lending Mix @ Mar 20(%) Product wise Lending Mix @ Mar 20(%) Mortgage Loans for Staff Loans Loans/Flexi lap 4.58% Sites 1.15% 0.08% Non Salaried Class- Builder Loans Self Employed & Non Others 0.03% To-up Personal Professionals 0.50% Staff Loans Loans 3.58% 28.96% Builde
Slide 15: CFHL - Funding Basket FY 2018-19 & 2019-20
CFHL - FUNDING BASKET FY 2018-19 & 2019-20 CFHL Funding Mix @ Mar 2019 (%) CFHL Funding Mix @ Mar 2020 (%) Deposits NHB NHB 2% 12% Banks 19% Banks 52% 57% Deposits 2% Market Market Borrowings Borrowings 22% 34% Banks Market Borrowings Banks Market Borrowings Deposits NHB Deposits NHB Cost of borrowi
Slide 16: Balance Sheet Statistics
BALANCE SHEET STATISTICS Amount in Rs. Cr Sl. No Parameters Year 2018-19 Year 2019-20 1 CAPITAL 26.63 26.63 2 RESERVES 1755.55 2123.43 3 NETWORTH (TIER I) 1782.18 2150.07 4 TIER II 165.15 189.61 5 CAR (%) 16.44% 22.28% www.canfinhomes.com 15
Slide 17: Credit Ratings
CREDIT RATINGS Rating Institution Sl. Product No M/s. ICRA LTD M/s. CARE LTD M/s. INDIA RATINGS (FITCH) 1 Deposits MAAA -- -- 2 Term Loans (Long) (ICRA) AA+ -- -- 3 Term Loans (Short) (ICRA) A1+ -- -- 4 Secured NCDs (SRNCD) (ICRA) AA+ CARE AAA IND AA/Stable 5 Unsecured NCDs (Tier II (ICRA)NCD CARE A
Slide 18: Branch Network
BRANCH NETWORK (184 BRANCHES + 14 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (8 • Delhi – Nehru Place, Pitampura Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Haryana – Gurgaon, Manesar, • Bihar – Patna Sangared
Slide 19: Impact of Covid-19
IMPACT OF COVID-19 Covid-19: The COVID-19 pandemic has spread On Profitability: From 24th March till third week of rapidly throughout the world and has had an May, lending was impacted. However, impact on impact on almost all entities either directly or revenues has been minimum. indirectly. WHO has
Slide 20: 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