Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (January 2020)
22 slides from Capri Global Capital's investor presentation, Jan 17, 2020
Slide 1: Capri Global Capital Limited – Analyst Meet Disclosure Letter
CAPRI GLOBAL ◄□· ► CAPITAL LIMITED .. Unlocking potentials, Empowering �pie January 17, 2020 To, BSE LIMITED NATIONAL STOCK EXCHANGE OF INDIA LIMITED P J Tower� Listing Department Dalal Street, Fort, Exchange Plaza, 5th Floor, Mumbai 400 001 l:\andra-Kurla Complex, 8andra (1:ast}, Mumbai - 400 051 C
Slide 2: H1FY20 Investor Presentation
H1FY20 Investor Presentation
Slide 3: Disclaimer
Disclaimer This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Capri Global Capital Limited (the “Company”) and no part of it shall form the basis of or be relied upon in connection
Slide 4: Capri Global Capital: An Introduction
Capri Global Capital: An Introduction A diversified Non-Banking Financial Company (NBFC) with presence across high growth segments like MSME, Construction Finance, Affordable Housing and Indirect Retail Lending segments Promoted by first generation entrepreneur, Mr. Rajesh Sharma, Capri Global C
Slide 5: Executive Summary: Emerging as a Stronger Institution
Executive Summary: Emerging as a Stronger Institution Building an Institution Credibility 2016 2019 o Forayed into o AUM of INR 220 Housing Bn with a CAGR Finance of 40% o Branch o Expanding our o Branch network network o AUM crosses reach to the expanded to 5 jumps to 66; INR 40 Bn underserved o Ve
Slide 6: Small Loans: Niche Capabilities
Small Loans: Niche Capabilities MSME Construction Finance Housing Finance Indirect Lending ~ 50 % of AUM ~ 27 % of AUM ~ 21 % of AUM ~ 2 % of AUM • Focus on Tier II & III • Project outreach: 144 • Affordable housing • NBFC Outreach: 7 cities; Customer • Key markets: customers in Tier II & • Financin
Slide 7: CGCL Advantage: What Sets us Apart
CGCL Advantage: What Sets us Apart 1 Focus on SENP Borrower 4 Multi Layered Credit Approach o Strong focus on self employed non-professional borrower; carved o Customized underwriting approach basis the customer’s out a niche in this segment. profile; Credit team personally spends time with customer
Slide 8: Building Business Strength for Stronger H2FY20
Building Business Strength for Stronger H2FY20 Managing liquidity for stronger Focusing on operating Cautious lending and loan H2 efficiencies sourcing approach • Addition of new bank lines • Optimised Operational structure • Cautious approach in CF lending: of 5,750 Mn in Q2FY20; by implementing hu
Slide 9: Performance and Analysis
Performance and Analysis 8
Slide 10: Capri Global Capital: Banking The Unbanked
Capri Global Capital: Banking The Unbanked H1FY20 At A Glance Total AUM* INR 39.57 billion MSME AUM 20,200 + Live Accounts INR 19.83 billion CF + IRL AUM INR 11.29 billion 1,550+ Employees HL AUM INR 8.44 billion 8 States Total Disbursements INR 4.97 billion 85 PAT Branches INR 766 million Net Worth
Slide 11: Growing At a Superior Pace
Growing At a Superior Pace Disbursement Mix (INR Mn) AUM Mix (INR Mn) MSME CF IL HL MSME CF IL HL 8,860 8,240 19,710 7,915 7,720 7,230 15,413 5,990 5,090 12,027 12,010 4,760 9,427 7,484 7,930 3,058 2,922 5,999 2,108 2,080 … 4,415 1,600 1,100 3,113 2,450 1,100 1,390 65 65 FY15 FY16 FY17 FY18 FY19 FY1
Slide 12: Over the Years…
Over the Years… Net Interest Margin (%) Pre-Tax RoCE (%) Spread (%) 12.06 6.35 5.6 5.73 14.8 5.07 4.93 9.21 9.49 11.6 8.5 9.3 9.32 9.67 5.7 FY16 FY17 FY18 FY19 H1FY20 FY16 FY17 FY18 FY19 H1FY20 FY16 FY17 FY18 FY19 H1FY20 Return on Equity (%) Cost to Income Ratio (%) Return on Assets (%) 10.8 52 3.51
Slide 13: Over the Years…
Over the Years… NII (INR Mn) PAT (INR Mn) 3,236 1,357 2,252 1,948 766 1,495 1,671 659 581 436 FY16 FY17 FY18 FY19 H1FY20 FY16 FY17 FY18 FY19 H1FY20 Total Assets (INR Mn) Capital Adequacy (%) 42,770 42,090 79.7 29,710 53 19,861 39.3 36.2 34.2 13,204 FY16 FY17 FY18 FY19 H1FY20 FY16 FY17 FY18 FY19 H1FY
Slide 14: Asset-Liability Split: Consistent Mix
Asset-Liability Split: Consistent Mix All amounts in INR Mn 30th September, 2019 31st March, 2019 19,789 18,104 19,421 19,044 ❖ Have consistently 14,327 20,905 14,090 13,180 16,098 remained cautious about 15,984 short-term asset & 11,063 liability mismatches by ensuring optimally 7,350 matched Balan
Slide 15: Liability Mix: The Low Cost Benefit
Liability Mix: The Low Cost Benefit Total Borrowings (INR Mn) & Borrowing Mix Higher Share of Bank Borrowing >> Lower Overall Cost of Borrowing 1,412 7,280 15,661 27,687 28,603 ▪ Nil exposure to short-term money market 100% signifies no probability of default 97% 95% ▪ CGCL’s prudence in higher borr
Slide 16: Well Capitalized Business Model: Aid to Expansion
Well Capitalized Business Model: Aid to Expansion Current Assets (INR Mn) Capital Adequacy (%) 79.7 1,691 1,410 53 1,230 39.3 34.5 36.2 825 567 415.4 483.3 181.2 114.1 104.2 FY16 FY17 FY18 FY19 H1FY20 FY16 FY17 FY18 FY19 H1FY20 Investments Cash Equivalents Comfortable liquidity Average quarterly Opt
Slide 17: NPA Analysis: Prudent Lending Practises
NPA Analysis: Prudent Lending Practises CGCL (Standalone) FY16 FY17 FY18 FY19 (INR MN) GNPA Product Segment wise – H1FY20 NPA Recognition 150 DPD 120 DPD 90 DPD 90 DPD Norms GNPA 97 178 439 560 Product Segment GNPA % NNPA % NNPA 83 152 374 202 MSME 3.94% 2.34% Provisions 14 26 64 358 Total Assets 13
Slide 18: Capri Global Capital In a Nutshell
Capri Global Capital In a Nutshell An upcoming Diversified NBFC with OUR MISSION OUR BUSINESS MODEL presence across high growths segments ‘Our mission is to shape this future • Small-ticket, retail-focused like MSME, Construction Finance, and create a solid social impact segments: MSME financing,
Slide 19: Leadership Team
Leadership Team Surender Sangar Vikas Sharma Ashish Gupta Hemant Dave Head – Construction Finance Business (HL) and Collections Head Chief Financial Officer Head of Operations Ex-MD – Tourism Finance Corporation of Ex - Kotak Mahindra Bank, Dhanlaxmi Ex - Jindal Stainless, Isolux, Ex - Kotak Mahindr
Slide 20: Board of Directors
Board of Directors Rajesh Sharma Ajay Kumar Relan T. R. Bajalia Bhagyam Ramani Managing Director Independent Director Independent Director Independent Director Founder & promoter Founder CX Partners & Citi Ex-DMD – SIDBI, Ex- GM and Director of General Over 23 years of experience Bank N.A. in India,
Slide 21: Key Partnerships
Key Partnerships Lenders Auditors & Advisors 20
Slide 22: Thank You
Thank You
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