Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Shriram Transport Finance Company — Q3 FY2020 Earnings Presentation
21 slides from Shriram Finance's earnings presentation, Feb 3, 2020
Slide 1: Shriram Transport Finance Company Limited
SHRIRAM Tranaport Finance Company Limited A WINNING RELATIONSHIP SEC/FILING/BSE-NSE/20-21/68A-B February 03, 2020 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalal Street, Fort, Exchange Plaza, 5th Floor, Mumbai — 400 001. Plot no. C/1, G- Block, Scrip Code:
Slide 2: Q3 & 9M FY20 Investor Update
tiSHRIRAM l Trariaport Pounce Conpony Linitad A WINNING RELATIONSHIP POW tat. Shriram Transport Transport Finance Company Ltd Finance Company Ltd & 9M Q3 & 9MFY20 FY20Investor Investor Update Update February 03, 2020 February 03,
Slide 3: Performance Highlights Q3 FY20 vs Q3 FY19
Performance Highlights–Q3 Performance Highlights Q3FY20 FY20 vs vs Q3 Q3 FY19 SHRIRAM Tronoporm ;nonce Company Urrotee A WINNING RELATIONSHIP Q3 FY20 Rs 42,882.0 42,882.0 mn Total Iry Income come .38 % 77.38 Q3 FY19 Rs 39,934.0 mn Q3 FY20 Rs 20,554.2 mn Net Interest Interest Income* .36 % 1.36 Incom
Slide 4: Performance Highlights 9M FY20 vs 9M FY19
Performance Highlights–9M Performance Highlights 9MFY20 FY20 vs vs 9M 9M FY19 )SHRIRAM Tranoport Fmance Company Lonitee A WINNING RELATIONSHIP 9M FY20 Rs 125,696.7 mn Total Iry Income come 77.69 .69 % 9M FY19 Rs 116,724.6 mn 9M FY20 Rs 60,539.2 mn Net Interest Interest Income* .58 % Income* 22.58 9M
Slide 5: Performance Highlights Q3 FY20 vs Q3 FY19
Performance Highlights–Q3 Performance Highlights Q3FY20 FY20 vs vs Q3 Q3 FY19 )SHRIRAM Tranaport Fmance Company Looked A WINNING RELATIONSHIP Q3 FY20 Rs 1,089,313.8 mn AUM 4.93% Q3 FY19 Rs 1,038,179.4 mn Q3 FY20 Rs 93,923.5 mn 3.98% Gross Stage 3 assets 3.98% Q3 FY19 Rs 90,325.2 mn CRAR at at 20.68%
Slide 6: AUM Break-up
AUM Break-up liSHR I RAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs.(Rs. Particulars mn) tril Q3 FY19 Q1 FY20 Q2 FY20 Q3 FY20 YoY (%) QoQ (%) 9M FY19 9M FY20 YoY (%) FY19 Loan Portfolio - On Books Balance sheet assets 845,331.8 846,514.5 847,722.0 856,784.9 1.35% 1.07% 8
Slide 7: Segment-wise AUM Break up
Segment-wise AUM Break up Segment-wise tiSHRIRAM Transport Fawns Cowan.", .saTan A WINNING RELATIONSHIP Working Working Capital Capital Loans, Others, Loans, Others, 2.88% Others, 2.88% 19% 2.28% 0.19% 0. 0.05% • Business • HCVs, Business • Business • HCVs, HCVs, Loans, 46.35% Loans, 45.76% 3.07% 2.
Slide 8: Branch & AUM distribution – Q3 FY20 vs Q3 FY19
Branch & AUM distribution– Q3 AUM distribution Q3 FY20 FY20 vs vs Q3 FY19 li SHRIRAM Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP Branch (Nos) AUM (Rs in bn) Rural, Urban, 370.7 Rural, 680 668 Q3 FY19 Q3 FY19 Total Branch Total AUM 1,348 Rs 1,038.2 bn Urban, 667.5 Urban, 883 Rural, 434.9
Slide 9: Provision Analysis
iiiSHR I RAM Provision Analysis Provision Analysis Tranaport ;nonce Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars IQ3 FY19 Q1 FY20 Q2 FY20 Q3 FY20 YoY (%) QoQ (%) 9M FY19 9M FY20 (%) YoY r/o) FY19 Gross Stage 3 90,325.2 89,257.4 93,965.6 93,923.5 3.98% -0.04% 90,325.2 93,92
Slide 10: Well-entrenched Pan India Network
SHRIRAM Well-entrenched Pan India Network Trannport F.nence Lampe, Urrutee A WINNING RELATIONSHIP Zonal Split of Branches ABBREVIATIONS Zone Zone Name ZORPR, 87 ZORPR, ZOADH, 173 ZOADH HYDERABAD ZOADH HYDERABADZONE ZONE ZOPUN, 158 ZOPUN, ZODHP DELHI ZODHP DELHIZONE ZONE ZODHP, 47 ZOECE RANCH ZOECE R
Slide 11: P&L Statement
P&L Statement liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars (Rs. mn) Particulars Q3 FY19 Q1 FY20 Q2 FY20 Q3 FY20 YoY (%) (%) QoQ (%) 9M FY19 9M FY20 YoY (%) FY19 Interest income 39,691.2 40,014.6 41,128.6 41,329.5 4.13% 0.49% 115,991.8 122,472.7 5.59% 154,441.4 Intere
Slide 12: Balance Sheet
Balance Sheet liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars Particulars (Rs. mn) Dec-18 Jun-19 Sep-19 Dec-19 YoY (%) QoQ (%) Mar-19 I. ASSETS Financial Assets Financial Assets cash equivalents Cash and cash equivalents 20,596.5 31,379.3 7,564.7 9,653.1 -53.13% 27.61%
Slide 13: Balance Sheet (Continued)
SHRIRAM Balance Sheet (Continued) Tranaport Pmance Company Lerma A WINNING RELATIONSHIP Particulars (Rs. mn)(Rs. nirME Particulars Dec-18 Jun-19 Sep-19 Dec-19 YoY (%) QoQ (%) Q0C1(%) Mar-19 Liabilities and Equity II. Liabilities Equity Financial Liabilities Derivative financial Derivative financial
Slide 14: Key Metrics – Q3 FY20
Key Metrics–Q3 Key Metrics Q3 FY20 FY20 li SHRIRAM Tronoport ;nonce Company Urnitee A WINNING RELATIONSHIP P&L Metrics (Rs. mn) I Q3 FY19 Q1 FY20 Q2 FY20 Q3 FY20 YoY (%) QoQ (%) 9M FY19 9M FY20 YoY (%) FY19 Interest Income 39,691.2 40,014.6 41,128.6 41,329.5 4.13% 0.49% 115,991.8 122,472.7 5.59% 154
Slide 15: Borrowing Profile as on December 31, 2019 vs December 31, 2018
Borrowing Profile as on December 31, 2019 vs December 31, 2018 hipHRIRAMTranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 895.46 bn Rs 915.16 bn Bonds, 26.98% Commercial Bonds, Borrowings in Borrowings Paper 23.87% Commercial Foreign (Embedded Paper, 0.54% currency, NCD 4.3%), 3.11% 6.60% Borr
Slide 16: Borrowing Profile as on December 31, 2019 vs September 30, 2019
Borrowing Profile Profile as as on on December December31, 31,2019 2019vs vsSeptember September30, 30,2019 2019 USHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 915.16 bn Rs 905.93 bn Bonds, Bonds, 23.87% 25.04% Commercial Paper, 0.54% Commercial Borrowings in Borrowings Borrowings i
Slide 17: Shareholding Pattern as on December 31, 2019 vs December 31, 2018
Shareholding Pattern as on December 31, 2019 vs December 31, 2018 iiSHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP No. of shares outstanding: outstanding: 226.88 226.88 mn Other Public, Public , 5.90% Public , Other MF/Bank Corporate Corporate 6.67% MF/Bank , Corporate 2.41% Body Body
Slide 18: Has Attracted Strong Interest from Quality Investors
SHRIRAM Has Attracted Strong Interest from Quality Investors Tranaport Pmance Company Lerma A WINNING RELATIONSHIP Consistent track * Consistent track record record and and high high Current growth potential growth potential has has attracted attracted Key Shareholders Shareholding % reputed insti
Slide 19: Contact Us
SHRIRAM Contact Us ii Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP For any Investor Relations queries please contact Sanjay K. Mundra Shriram Transport Transport Finance Co. Ltd Email: smundra@stfc.in Tel. No. Tel. No. +91-22-4095 +91-22-4095 9507 18
Slide 20: About Us
About Us liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Transport Finance Finance CoCo Ltd. is the largest largest asset financing NBFC in India India with with Assets Assets under under management management Rs. Rs. 108,9
Slide 21: Thank You
SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP Thank You
Shriram Transport Finance Company — Q3 FY2020 Earnings Presentation on 6ix