Tata Capital Ltd. · NSE:TATACAP
Tata Capital — Q2 FY2022 Earnings Presentation
12 slides from Tata Capital's earnings presentation
Slide 1: Tata Capital Consolidated Results Update – Q2 FY2022
Tata Capital Consolidated Results Update – Q2 FY2022 1
Slide 2: Tata Group: Overview
Tata Group: Overview a global business group with products and services in over 150 countries over 800,000 employees and operations in over 100 countries group revenue of $103 bn global leader in several sectors DRIVEN BY VALUES A GLOBAL ENTERPRISE IN PARTNERSHIP WITH SOCIETY GOING FORWARD 2
Slide 3: Tata Group: Industry Leaders
Tata Group: Industry Leaders GLOBAL RANKING INDIA RANKING international wholesale voice provider largest integrated power company and #1 ----- Tata Communications largest renewable energy company #1 ----- Tata Power 2nd largest IT services company ----- Tata Consultancy Services largest manufacturer
Slide 4: Tata Capital - Flagship Financial Services Co. of the Tata Group
Tata Capital - Flagship Financial Services Co. of the Tata Group • Commenced operations in 2007 and has been profitable since inception • Rated AAA by all leading Rating agencies Our Purpose: Responsible financial partner fulfilling India's aspirations Lead with Better Futuready Capital & Delivering
Slide 5: Corporate Structure
Corporate Structure Tata Sons Private Ltd. Tata Capital Ltd. CIC 100% 100% 80.5% 19.5% IFC,W Tata Capital Financial Tata Capital Housing Tata Cleantech Capital Services Ltd. Finance Ltd. Ltd. Private Equity Funds NBFC NBFC HFC Other Subsidiaries (Infra) LENDING BUSINESS 5
Slide 6: Business Segments
Business Segments LENDING BUSINESS Home Loans, Loan against property, Channel Finance, Leasing, Invoice Affordable Housing Loans Discounting, Term Loans, Working Capital Housing SME loans Secured: 2W, Used Auto, CV, Term Loans, Structured Finance & Construction Equipment Syndication, Construction Fi
Slide 7: Key Highlights: Q2 FY22
Loan Book INR 83,044 Cr 7% Key Highlights: Q2 FY22 (y-o-y change) Disbursals INR 13,545 Cr 107% PAT INR 380 Cr 95% NIM + Fee INR 1,203 Cr 12% INR 171 Cr 64% Credit cost 7
Slide 8: Disbursals Regaining Growth Momentum
Disbursals Regaining Growth Momentum Disbursals surpassed pre-Covid levels led by a strong economic recovery 13,545 2x Recorded highest ever disbursals in Retail segment in the month of Sep’21 8,927 6,549 Expanded pan-India footprint through addition of 30 new branches taking the total count to 180
Slide 9: Steady Growth in Loan Book
Steady Growth in Loan Book 7% 83,044 77,551 15% Consumer 23% (27%) 62% Housing (35%) Sep'20 Sep'21 (INR Cr.) (Mix %) Retail Corporate SME • 81% of our portfolio continues to be secured • Customer franchise of 2.5 Mn+ 9
Slide 10: Improvement in Asset Quality
Improvement in Asset Quality Gross Stage III (%) Net Stage III (%) PCR (%) 2.5% 0.9% 2.2% 0.7% 65.4% 67.4% Mar'21 Sep'21 Mar'21 Sep'21 Mar'21 Sep'21 • Strong credit underwriting & monitoring post disbursals • Strengthened collections team & accelerated adoption of digital channels • Macro overlay an
Slide 11: Financial Performance
Financial Performance Y-o-Y Q1 FY22 INR Cr Q2 FY22 Q2 FY21 Growth 78,514 Loan book 83,044 77,551 7% 1,094 Net interest income (Incl. fees) 1,203 1,069 12% 109 Investment Income -13 102 372 Operating expenses 486 345 831 Operating profits 704 826 -15% 695 Credit cost 171 469 -64% 136 Profits before t
Slide 12: Thank You
ae TATA CAPITAL Count on us Thank You