Manba Finance Limited · NSE:MANBA
Manba Finance — Q4 FY25 Earnings Presentation
21 slides from Manba Finance's earnings presentation, March 2025
Slide 1: Earnings Presentation Q4-FY25/FY25
EARNINGS PRESENTATION Q4-FY25/FY25
Slide 2: Company Snapshot
Company Snapshot Manba Finance is a NBFC providing tailored AUM 13,314 Mn financial solutions for two wheelers, three wheelers, used Cars, small business loans and personal Loans INR Present across 73 Present in 6 States & 28+ locations with a spread across 73 Years of Experience network of 1,200+ l
Slide 3: Financial Snapshot
Financial Snapshot Disbursement Per Disbursement Per Disbursements AUM Per Employee Employee Location Per Month INR 8,424 Mn INR 8.98 Mn INR 5.68 Mn INR 9.62 Mn Average Yield on Net Interest Income Net Interest Margin Cost of Borrowings Average AUM INR 1,291 Mn 14.03% 10.80% 24.09% Return on Asset (
Slide 4: FY25 Performance
FY25 Performance Total AUM Disbursement Net Interest Income Dealer Growth (42% Growth) (33% Growth) (49% Growth) (25% Growth) INR 13,314 Mn (FY25) INR 8,424 Mn (FY25) INR 1,291 Mn (FY25) 1,216 (FY25) INR 9,396 Mn (FY24) INR 6,327 Mn (FY24) INR 865 Mn (FY24) 974 (FY24) PAT Locations GNPA NNPA (21% Gr
Slide 5: Company Overview
Company Overview 5
Slide 6: Company Overview
Company Overview • Established in the year 1996, Manba Finance Limited (Manba) was founded by Mr. Manish Shah, a first-generation entrepreneur. Total Income (INR Mn) & AUM (INR Mn) • Manba is a Non-Banking Finance Company offering financial solutions for new 2 Wheelers, 3 Wheelers, Electric 2 Wheele
Slide 7: Product Portfolio
Product Portfolio NEW VEHICLE LOANS USED CAR LOANS SMALL BUSINESS LOANS PERSONAL LOANS 7
Slide 8: Geographical Presence
Geographical Presence Uttar Pradesh • Hardoi Uttar Pradesh • Lucknow • Raebareli • Sitapur Rajasthan RAJASTHAN • Ajmer • Alwar • Bhilwara • Bikaner Madhya Pradesh • Chittorgarh Madhya Pradesh • Dhar • Chomu Gujarat • Dewas • Gangapur • Indore • Jaipur • Jabalpur • Jodhpur • Pali Chhattisgarh • Rajas
Slide 9: Dealer Network
Dealer Network Name of State FY 22 FY 23 FY 24 FY25 • Ensuring swift KYC handling and showcasing the company's tech-driven customer focus Gujarat 122 169 228 294 • Dealers typically serve a the primary source for understanding customers' funding needs and Maharashtra 390 432 473 476 they also guide
Slide 10: Sources Of Funds
Sources Of Funds Bank SFB Borrowings Distribution (INR Mn) 1,748 1,895 1,158 1,756 150 267 2,388 - 41 1,626 2,601 3,952 6,468 4,167 NBFC FY22 FY23 FY24 FY25 Secured Term Loans Unsecured Term Loans Non-Convertible Debentures Others • Borrowed from 3 public sector banks, 9 private sector banks and 25
Slide 11: Business Strategies
Business Strategies Increasing Penetration In Existing Investing In TECHNOLOGY Growing 2WS/ 3WS/ EV2WS/ Enhancing Brand Recall To Markets & Diversifying Into New And DIGITIZATION EV3WS Market Attract New Customers Markets • New loan products such • Plan to launch web- • Focusing on EV2Ws and • Initi
Slide 12: Q4-FY25/FY25 Financial Overview
Q4-FY25/FY25 Financial Overview
Slide 13: Key Financials & Operational Highlights
Key Financials & Operational Highlights Q4-FY25 Financial Performance Operational Highlights • Increase in provision coverage ratio by 4% due to tightening of credit norms and reduce risk and TOTAL INCOME* NII NIM ensure stability in long term. INR 389 Mn INR 365 Mn 13.62% • Liquidity maintained of
Slide 14: Quarterly Financial Performance
Quarterly Financial Performance Particulars (INR Mn) Q4-FY25 Q4-FY24 YOY Q3-FY25 QOQ Interest Income 655 505 29.7% 644 1.7% Less: Finance Cost 290 241 20.3% 283 2.5% Net Interest Income 365 264 38.3% 361 1.1% Fee & Other Income 24 47 (48.9)% 45 (46.7)% Total Income 389 311 25.1% 406 (4.2)% Operating
Slide 15: Annual Consolidated Financial Performance
Annual Consolidated Financial Performance Particulars (INR Mn) FY25 FY24 YOY Interest Income 2,369 1,684 40.7% Less: Finance Cost 1,078 819 31.6% Net Interest Income 1,291 865 49.2% Fee & Other Income 135 233 (42.1)% Total Income 1,426 1,098 29.9% Operating Expenses 925 711 30.1% Profit Before Tax 5
Slide 16: Financial Performance
Financial Performance Total Income (INR Mn)* Net Interest Income (INR Mn) PAT (INR Mn) 1,426 378 1,291 312 1,098 865 768 600 684 166 474 97 FY 22 FY 23 FY 24 FY25 FY 22 FY 23 FY 24 FY25 FY 22 FY 23 FY 24 FY25 AUM (INR Mn) Disbursements (INR Mn) ROE (%) & ROA (%) 13,314 8,424 15.6% 6,327 9,369 10.4%
Slide 17: Key Performance Indicators
Key Performance Indicators Capital Adequacy Ratio (%) Provision Coverage Ratio (%) Cost of Borrowings (%) 31.50% 24.00% 11.61% 29.81% 27.00% 20.00% 24.56% 11.33% 16.00% 11.19% 13.00% 10.80% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Gross NPA (%) Net NPA (%) 4.94% 4.30% 3.74% 3.37%
Slide 18: Historical Income Statement
Historical Income Statement Particulars (INR Mn) FY22 FY23 FY24 FY25 Interest Income 940 1,250 1,684 2,369 Less: Finance Cost 466 566 819 1,078 Net Interest Income 474 684 865 1,291 Fee & Other Income 126 84 233 135 Total Income 600 768 1,098 1,426 Operating Expenses 473 540 711 925 Profit Before Ta
Slide 19: Historical Balance Sheet
Historical Balance Sheet Particulars (INR Mn) FY22 FY23 FY24 FY25 Financial Assets Cash and Cash Equivalents 320 624 373 1,285 Bank Balance other than cash and cash equivalents 181 462 876 1,114 Loans 4,827 6,233 7,831 11,461 Investments 1 184 267 379 Other Financial Assets 107 93 122 157 Total Fina
Slide 20: Disclaimer
Disclaimer Manba Finance Ltd No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not c
Slide 21: Thank You
Thank You Manba Finance Ltd