Arman Financial Services Limited · NSE:ARMANFIN
Arman Financial Services — Investor Presentation (February 2019)
11 slides from Arman Financial Services's investor presentation, Feb 11, 2019
Slide 1: Arman Financial Services Limited
Arman Financial Services Limited 501-504 SAKAR III, OPP. OLD HIGH COURT, OFF ASHRAM ROAD, AHMEDABAD, GUJARAT - 380014, INDIA PHONE : +91-79-40507000 E-MAIL : finance@armanindia.com. WEBSITE : https://armanindia.com Date: February 11, 2019 To, To, BSE Limited National Stock Exchange of India Limited
Slide 2: Company Presentation
= \ Arman Financial Services Limited Company Presentation
Slide 3: About Us
About Us • Arman Financial Services Ltd is a leading Gujarat based NBFC rapidly expanding from a regional to a national player. Incorporated on 26th November, 1992. • Listed on Bombay Stock Exchange & National Stock Exchange. Initial Public Offering (IPO) on September 27, 1995. • Operates in Microfi
Slide 4: Current Products
Current Products • Microfinance branches/55 dealer tie-ups – Average Tenure 22 months – Classic JLG model. 85% Rural/Semi-Rural – 100% cash-less disbursement – AUM ~ Rs. 406 Cr – Monthly ECS/NACH collections – Average ticket size Rs. 24000 – Current Rate 24.50% + 1% Processing Fee • Micro-Enterprise
Slide 5: Financial Highlights (Actual & Estimates)
Financial Highlights (Actual & Estimates) Financial Summary FY19 FY17A FY18A FY19E FY20E (Consolidated, Rs. Cr) (9 Months) Operational Income 54 80 100 138 195 PBT 10 9.80 23 27 41 PAT 6 7.30 16 19 27 Disbursements Microfinance 159 400 424 600 900 2-Wheeler 77 87 80 100 115 MSME 6 53 64 100 200 TOTA
Slide 6: Asset Quality – PAR: 31 Dec 2018
Asset Quality – PAR : 31 Dec 2018 AMRAN NAMRA (MICRO) Consolidated (TW & MSME) Bucket Amt (Cr) %age Amt (Cr) %age Amt (Cr) %age >30 Days 3.34 0.82% 7.26 4.04% 10.60 1.81% > 60 Days 2.72 0.67% 5.62 3.13% 8.34 1.42% 90 Days 2.17 0.53% 4.20 2.34% 6.37 1.09% (NPA) 180 Days 1.58 0.39% 2.34 1.31% 3.92 0
Slide 7: Branch Network (existing)
Branch Network (existing) M P/ U P/ Dec-2018 Gujarat Maharashtra Total Rajasthan Uttrakhand Microfinance 38 34 42 23 137 MSME 17 5 22 Two-Wheeler * 5 6 Total 51 39 26 13 165 • Two Wheeler origination is typically done from the dealerships, which we have a network of 55 dealers. Arman’s branches are
Slide 8: Branch Network (Expansion FY 19-20)
Branch Network (Expansion FY 19-20) U P/ Microfinance Gujarat MP Rajasthan Maharashtra Total Uttrakhand Existing 38 31 2 42 23 136 Additions 2019-20 5 10 10 10 10 45 Total 43 36 12 52 33 181 Average Disbursement per Branch : 45-50 Lac pm M P/ MSME Gujarat Total Rajasthan Existing 17 5 22 Additions 2
Slide 9: Recent Developments
Recent Developments • Company expanded into Maharashtra and UP in the last 2 year, Further added Rajasthan in the current year • Company Raised Rs. 15 Cr Sub-Debt in 2017-18 • Namra issued INR 33.3 Cr of listed NCDs in August 2016 to a foreign debt fund • Capital Infusion of INR 50 Cr by SAIF Partne
Slide 10: 1000 Crores…
1000 Crores… o Setting up infrastructure to reach Rs. 1000 • Strong policy of internal promotions crores in the next 12 months. Key – External • Political risk represents a significant portion Challenges. of the overall risk for Rural Financing. • Funding Interest rate politically sensitive. – Addin
Slide 11: 1000 Crores…
1000 Crores… • Technology – Higher competition from Banks, SFBs, NBFCs, MFIs, etc. – Moving towards new ERP system with mobile based support • Strategy – Geo-location based tracking and controls – Consolidating our position as strong regional over staff. Efficient route planning player in Two-Wheele
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