Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q1 FY2021 Earnings Presentation
16 slides from Can Fin Homes's earnings presentation, Aug 26, 2020
Slide 1: Submission of Investor Presentation - Post Q1 FY21 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 Can Fin Hanes Ltd E-mail: compsec@canfinhomes.com (Sponsor: CANARA seasipc) Tel :080 26564259 Fax :080 26565746 HOME LOANS • DEPOSITS Web: www.canfinhomes.com grandahng Dreams Drip gieeddy
Slide 2: Can Fin Homes Limited at a Glance
Can Fin Homes Limited at a Glance 33 years of vision, passion and progress Offering home loans since 1987….. and the journey continues Information to Investors 1QFY21 ended June 2020
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 33 year old institution • To promote home • Headquartered in • Last Five Year O/s • To continue our registered as a ownership across Bangalore Growth /CAGR journey with high deposit taking HFC India, with a motto (Mar.15 ~ Mar.20) asset quality, with N
Slide 4: Board of Directors
BOARD OF DIRECTORS Smt. Bharati Rao Shri Lingam Venkata Prabhakar Sri Girish Kousgi Chairperson Director (Promoter) Managing Director & CEO Shri Debashish Mukherjee Shri G Naganathan Director (Promoter) Director (Independent) www.canfinhomes.com 3
Slide 5: Board of Directors
BOARD OF DIRECTORS Shri Shreekant M Bhandiwad Dr. Yeluri Vijayanand Shri S Subramanian Deputy Managing Director Director (Independent) Director (Promoter) upto 31st May 2020 (Promoter) Shri Satish Kumar Kalra Smt Shubhalakshmi Amod Panse Director (Independent) Director (Independent) www.canfinhomes.
Slide 6: Performance Highlights - Q1 FY21
PERFORMANCE HIGHLIGHTS - Q1 FY21 Loan Book reached Rs.20843 crore with a clientele base of 1.66 lakh Y-o-Y Loan Book growth of 10% PBT&P & PAT for Q1FY21 rose by 29% & 15% (Y-o-Y) respectively NIM: 3.70 %, RoA: 1.80 %, RoE: 16.55 % and EPS: Rs 7 Cost to Income Ratio : 11.21 %. Gross NPA & Net NPA st
Slide 7: Performance Highlights - Q1 FY21
PERFORMANCE HIGHLIGHTS - Q1 FY21 Amount in Rs. Cr Sl. Particulars Jun’20 (3m) Jun’19 (3m) Mar’20 (3m) Mar’20 (12m) No. 1 New Approvals 264 1,289 1,566 5,897 2 Disbursements 401 1,276 1,394 5,481 3 Outstanding Loan Book 20,843 19,003 20,708 20,708 4 Interest Income 522.11 482.01 525.06 2018.91 7 Fees
Slide 8: Performance Highlights - Q1 FY21
PERFORMANCE HIGHLIGHTS - Q1 FY21 Amount in Rs. Cr Sl. Particulars Jun’20 (3m) Jun’19 (3m) Mar’20 (3m) Mar’20 (12m) No. 13 Profit Before Tax & Provisions 170.19 131.56 159.76 578.63 14 Provision for SA & NPA 44.14 8.66 40.83 60.32 15 Profit Before Tax 126.05 122.90 118.93 518.29 16 Provision for Taxa
Slide 9: Key Financial Ratios - Q1 FY21
KEY FINANCIAL RATIOS - Q1 FY21 Amount in Rs. Cr Sl. PERIOD ENDED Particulars No. Jun’20 Jun’19 Mar’20 1 Return on Avg Assets (Annualised) 1.80% 1.73% 1.93% 2 Return on Avg Equity (Annualised) 16.55% 17.35% 17.44% 3 Earning Per Share (Rs.) 7.00 6.08 28.25 4 Net Interest Margin (%) 3.70% 3.18% 3.52% 5
Slide 10: Lending Basket
LENDING BASKET Category-wise Product-wise Distribution of Loan Book Amount in Rs. Cr Sl . Category/Product June-19 Sept-19 Dec-19 Mar-20 Jun-20 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 12441 12860 13255 13598 13676 ii) Top-up Personal Loans 425 445
Slide 11: Funding Basket
FUNDING BASKET Funding Mix @ Jun 2020 (as %) Funding Mix @ Jun 2019 (as %) Market Borrowings Market DEP 20% Borrowings 1% 34% Banks NHB 50% Banks 20% 59% NHB 14% DEP 2% Cost of borrowings contained at 7.31 % ( vs 7.77% in Mar 20 & 7.93% in Jun’19,) www.canfinhomes.com 10
Slide 12: Financial Performance
Financial Performance Total Revenue (in Cr) Profit After Tax (in Cr) 528.86 106.61 97.62 90.91 93.15 522.50 516.79 500.67 Sep-19 Dec-19 Mar-20 Jun-20 www.canfinhomes.com 11
Slide 13: 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 has had an impact May, lending was impacted. However, impact on on almost all entities either directly or indirectly. revenues has been minimum. WHO has dec
Slide 14: Branch Network
BRANCH NETWORK (165 branches + 21 AHLCs + 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
Slide 15: Strategic Initiatives
STRATEGIC INITIATIVES Reach: Network increased from 41 branches as at Mar’11 .. to 140 at Mar’16 .. to 200 now (186 Br/AHLCs + 14 SOs) Proposal to add 10 new branches during the year Focus on Right Product and Right Profile Mix: Continued strong focus on Housing Loans / Non-Housing Loans Focus on le
Slide 16: 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