Ptc India Financial Services Limited · NSE:PFS
Ptc India Financial Services — Q3 FY25 Earnings Presentation
27 slides from Ptc India Financial Services's earnings presentation
Slide 1: Q3 FY25 Investor Presentation
Q3 FY25 INVESTOR PRESENTATION EMPOWERING CHANGE THROUGH SUSTAINABLE INFRASTRUCTURE SOLUTIONS 1
Slide 2: Table of Content
TABLE OF CONTENT PFS OVERVIEW 03 PFS AT A GLANCE 04 SHAREHOLDER INFORMATION 05 BOARD OF DIRECTORS 06 KEY FINANCIAL METRICS 07 BUSINESS OVERVIEW 08 TRANSFORMATIONAL PILLARS 10 BLUEPRINT FOR FUTURE 21 FINANCIAL 22 2
Slide 3: PFS Overview
PFS OVERVIEW Company Background Vision Focus on sustainable finance with diversified To be the most preferred financial financial solutions to meet specific needs of partner in Sustainable Infrastructure Infrastructure Projects Value Chain Overview Parentage Credit Rating PTC India Financial Service
Slide 4: PFS at a Glance
PFS AT A GLANCE Focus on sustainable finance: offering diversified, customer-centric solutions tailored for infrastructure projects. Focus Areas: 1. Electric Vehicle Mobility ₹ 5,178 Crore Loan Assets for Q3 FY25 2. Water Treatment Projects 3. Renewable Projects and allied activities ₹ 67.14 Crore 4
Slide 5: Shareholder Information
SHAREHOLDER INFORMATION Shareholding Pattern (As on 31st December, 2024) Top Shareholders (As on 31st December, 2024) PTC India Limited 64.99% 26.04% Domestic Institutional Investors 5.48% 1.46% 64.99% 2.03% 3.53% FPI (Category I + Category II) 2.03% 1.95% PTC India Limited Insurance Company Mutual
Slide 6: Board of Directors
BOARD OF DIRECTORS Mr. R. Balaji Ms. PV Bharathi Ms. Seema Bahuguna MD & CEO Independent Director Independent Director Has 27 years experience. Ex MD & CEO of Experience of over 36 years Worked in one of the large Corporation Bank. & retired IAS. NBFCs for almost 17 years. Mr. Naveen B. Gupta Mr. Ma
Slide 7: Key Financial Metrics
KEY FINANCIAL METRICS Disbursement Profit After Tax (In ₹ Cr) AUM (In ₹ Cr) of ₹866 Cr YTD 67 6495 5178 5249 47 50 Q3FY25 Q2FY25 Q3FY24 Q3FY25 Q2FY25 Q3FY24 Net Stage III (In ₹ Cr) Return on Assets (%) 329 4.51 3.08 2.69 280 283 Q3FY25 Q2FY25 Q3FY24 Q3FY25 Q2FY25 Q3FY24 Q3 FY25 INVESTOR PRESENTATION
Slide 8: Business Overview
BUSINESS OVERVIEW
Slide 9: Quarterly Operational Performance – Sector Wise Outstanding
QUARTERLY OPERATIONAL PERFORMANCE – SECTOR WISE OUTSTANDING Q3 FY25 (8%) (7%) (19%) (17%) (39%) (7%) (3%) TOTAL- ₹ 5178 Crore Renewable Transmission Sustainable Infra Road Distribution Thermal & Hydro Other* * Other Sector - port, manufacturing, mining Sustainable Infra include – Water treatment, E-
Slide 10: Transformational Pillars
TRANSFORMATIONAL PILLARS Pillar 1- Stringent Underwriting Parameters & Resilient Business Model Pillar 2- Granular Lending & Diversified Book Pillar 3- Asset Quality Pillar 4- Robust and well structured ALM Q3 FY25 INVESTOR PRESENTATION 1 0
Slide 11: Pillar 1 – Stringent Underwriting Parameters & Resilient Business Model
PILLAR 1 – STRINGENT UNDERWRITING PARAMETERS & RESILIENT BUSINESS MODEL
Slide 12: Rigorous Standards, Robust Business Model
RIGOROUS STANDARDS, ROBUST BUSINESS MODEL Robust credit appraisal Seamless operational risk Maintain adequate liquidity management system and management system and focus on processes cash flow generation Systems for effective Enhanced focus on Early monitoring of compliance of Warning Signal and loa
Slide 13: Pillar 2 – Granular Lending & Diversified Book
PILLAR 2 – GRANULAR LENDING & DIVERSIFIED BOOK
Slide 14: Granular Lending and Diversified Book
GRANULAR LENDING AND DIVERSIFIED BOOK Thrust on distributed infrastructure • Smaller ticket sizes at origination (sweet spot: Rs.50-100 crores) • Reduce concentration risk Aggressively increase share of non-energy portfolio • Build capabilities in nascent market segments • Forge partnerships to
Slide 15: Pillar 3 - Asset Quality
PILLAR 3 - ASSET QUALITY
Slide 16: Thrust on Enhancing Asset Quality
THRUST ON ENHANCING ASSET QUALITY NPAs are outcome of legacy lending No new NPA in the lending of past 7 years Stringent monitoring Q3 FY25 INVESTOR PRESENTATION 16
Slide 17: Gross and Net Stage III
GROSS AND NET STAGE III In ₹ Crore Reduction in Gross NPA due to recovery from stressed accounts in 01 FY25 776 769 767 764 750 02 Focus on resolution of key stressed accounts Provision Coverage Ratio for Stage III assets improved to 62.63% in 03 Q3FY25 from 57.64% in Q3FY24 329 295 292 283 280 31-D
Slide 18: Four Accounts Constitute 92% of Stressed Assets
FOUR ACCOUNTS CONSTITUTE 92% OF STRESSED ASSETS KEY ACCOUNTS Gross Loan Provision Net Exposure 100% Provisioned Loan Account Task Road Map (in ₹ Cr) (in ₹ Cr) (in ₹ Cr) NSL Nagapatnam Power & Infratech Private Limited 125.00 125.00 - Identification of successful bidder at NCLT Gross Loan Provision N
Slide 19: Pillar 4 – Robust and Well Structured ALM
PILLAR 4 – ROBUST AND WELL STRUCTURED ALM
Slide 20: Long Term Positive Cash Flow, Sustainable Future
LONG TERM POSITIVE CASH FLOW, SUSTAINABLE FUTURE CASH FLOWS DYNAMICS AS ON 31st DECEMBER, 2024 4356 Positive cash flows across tenors 3109 2275 1616 1374 1247 1048 759 857 901 690 358 Upto 3M Upto 6M Upto 1Y Upto 3Y Cumulative Total Inflows Cumulative Total Outflows Net Cash Flows/Cumulative Mismatc
Slide 21: Blueprint for Future
BLUEPRINT FOR FUTURE FY25 FY26 / 27 Strengthening the Foundation Back to Growth 1. Focus on distributed infrastructure 1. Resolve legacy issues 2. Reduce portfolio concentration 2. Institutionalize internal process 3. Strengthen risk management 3. Strengthen Management / Leadership 4. Recourse diver
Slide 22: Financial
FINANCIAL
Slide 23: Key Balance Sheet Indicators
KEY BALANCE SHEET INDICATORS Quarter ended 31st Quarter ended 30th Quarter ended 31st Particulars FY 24 December, 2024 September, 2024 December, 2023 225 - - Loan Sanctioned (₹ Crs) 525 300 - 161 Loan Disbursed (₹ Crs) 585 5,178 5,249 6,495 Loan Assets (₹ Crs) 5,396 57.36 44.65 44.45 Capital Adequac
Slide 24: Results Overview
RESULTS OVERVIEW Quarter ended 31st Quarter ended 30th Quarter ended 31st Particulars FY 24 December, 2024 September, 2024 December, 2023 158.12 163.41 204.32 Total Income (₹ Crs) 776.28 80.66 63.41 67.48 Profit before tax (₹ Crs) 215.98 Tax expense (₹ Crs) 13.52 16.07 17.11 55.23 (including deferre
Slide 25: Key Operational Indicators
KEY OPERATIONAL INDICATORS Quarter ended 31st Quarter ended 30th Quarter ended 31st Particulars FY 24 December, 2024 September, 2024 December, 2023 Yield on Earning Loan (%) 11.42 11.47 11.38 11.24 (Stage 1 + Stage 2 loans only) Interest Spread Adj (%) 1.85 2.04 2.49 2.54 (Stage 1 + Stage 2 loans on
Slide 26: Key Ratio Movements
KEY RATIO MOVEMENTS 11.38% 11.53% 11.39% 11.47% 11.42% 9.43% 9.57% 9.12% 9.30% 8.89% 4.75% 4.43% 4.41% 4.46% 3.45% 2.49% 2.41% 2.09% 2.04% 1.85% Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Yield Cost of funds NIM Spread *Yield on Earning portfolio includes Stage 1 + Stage 2 loans only Q3 FY25 INVESTOR P
Slide 27: Thank You
Thank You Priya Chaudhary – VP Investor Relation Email: priya.chaudhary@ptcfinancial.com PTC India Financial Services Ltd 7th Floor Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi - 110 066 INDIA Fax: +91 11 26737373 / 26737374 Email: info@ptcfinancial.com 27
PTC India Financial Services — Q3 FY25 Earnings Presentation on 6ix