Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Shriram Transport Finance Company — Q3 FY2021 Earnings Presentation
25 slides from Shriram Finance's earnings presentation, Jan 28, 2021
Slide 1: Investor Update / Presentation cover letter
SHRIRAM Irramport Armoca Comparry LIMIted A WINNING RELATIONSHIP SEC/FILING/BSE-NSE/20-21/68A-B SEC/FILING/l3SE-NSE/20-21/68A-B January 28, 2021 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department th Dalal Street, Fort, Exchange Plaza, 55th Floor, Mumbai— Mumbai – 4
Slide 2: Q3 9M FY2021 Investor Update
tiSHRIRAM l Trariaport Pounce Conpony Linitad A WINNING RELATIONSHIP POW tat. Shriram Transport Finance Company Ltd Q3 9M FY2021 Investor Update January 28, January 28, 2021
Slide 3: Business Update
2 BUSINESS UPDATE nvadn SS3NISEl8 VNIVI:11EIHS4
Slide 4: Business Update
)SHRIRAM BUSINESS UPDATE Tranoport Finance Company Looked A WINNING RELATIONSHIP moratorium, the * Post moratorium, the collections collectionsfor forthe themonth monthofofSeptember September2020, 2020, October October 2020, 2020, November November 2020 and December December 2020 2020 were were 95
Slide 5: Business Update: Additional ECL provision for COVID-19
)SHRIRAM BUSINESS UPDATE Tranoport Finance Company Looked A WINNING RELATIONSHIP Additional Expected Additional Expected Credit Credit Loss (ECL) provision Loss (ECL) provision on Loans on account account of of COVID – 19 COVID —19 Cumulative provision provision till Particulars (Rs. mn) Particulars
Slide 6: Performance Highlights Q3 FY21 vs Q3 FY20
Performance Highlights–Q3 Performance Highlights Q3FY21 FY21 vs vs Q3 Q3 FY20 SHRIRAM Trannport F.nence Lampe, Urrutee A WINNING RELATIONSHIP Q33 FY21 FY21 Rs 44,431.2 44,431.2 mn Total Income 111- 5.23% 5.23% Q3 FY20 42,222.0 mn Rs 42,222.0 mn II I* Income* 1.63% Net Interest Income* including Dire
Slide 7: Performance Highlights 9M FY21 vs 9M FY20
Performance Highlights–9M Performance Highlights 9MFY21 FY21 vs vs 9M 9M FY20 SHRIRAM Trannport F.nence Lampe, Urrutee A WINNING RELATIONSHIP A 9MFY21 9M FY21 129,385.5 mn Rs 129,385.5 Total Income 4.26% 4.26% f 9M FY20 124,095.9 mn Rs 124,095.9 mn I I* Net Interest Income* 2.10% including Direct as
Slide 8: Performance Highlights Q3 FY21 vs Q3 FY20
Performance Highlights–Q3 Performance Highlights Q3FY21 FY21 vs vs Q3 Q3 FY20 li SHRIRAM Tranaport Fmance Company Lonitee A WINNING RELATIONSHIP AUM 5.51% At Q3 5.51% Q3FY21 FY21 Rs 1,149,320.6 mn Q3 FY20 Rs 1,089,313.8 1,089,313.8 mn Gross Stage IliGross Stage 33 assets assets 13.01% 13.01% Q3 FY21
Slide 9: AUM Break-up
AUM Break-up liSHR I RAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Y Particulars (Rs. mn) I Particulars Q3 FY20 Q1 FY21 Q2 FY21 Q3 FY21 YoY (%) QoQ (%) 9M FY20 9M FY21 YoY (%) FY20 o Loan Portfolio - On Books Balance sheet assets 8,56,784.9 8,76,987.8 8,73,031.2 9,03,375.7 5.44% 3.48%
Slide 10: Segment-wise Break up
SHR I RAM Segment-wise Break up li Tranaport ;nonce Company Urnitee A WINNING RELATIONSHIP Working Capital Others, 0.04% Loans, 2.72% Working Capital Loans, Others, 0.05% 2.88% ■ HCVs and CEs, HCVs HCVs and CEs, 45.76% Business Loans, 47.54% 1.94% Business Loans, 2.43% Tractors, 2.67% Tractors, 3.06
Slide 11: Branch & AUM distribution Q3 FY21 vs Q3 FY20
Branch & Branch & AUM distribution–Q3 AUMdistribution Q3FY21 FY21 vs vs Q3 Q3 FY20 li SHRIRAM Tranaport Fmance Company urwee A WINNING RELATIONSHIP • Urban, Rural, Branch (Nos) • Urban, Urban, r Rural, Rural, AUM (Rs in bn) 179.0 559.1 220 224 984 Q3 FY21 11 Q3 FY21 Total Branch 1,799 Total AUM Rs S
Slide 12: Provision Analysis
SHRIRAM Provision Analysis Provision Analysis Tranaporm ;nonce Company Urrotee A WINNING RELATIONSHIP Q2 FY21 FY21as Q3FY21 as Q3 FY21 as per per Particulars (Rs. mn) Particulars Q3 FY20 Q1 FY21 Q2 FY21 Q3 FY21 (%) YoY (Ye) (%) QoQ (Ye) 9M FY20 9M FY21 YoY (%) FY20 Supreme Supreme court order court
Slide 13: Well-entrenched Pan India Network
Well-entrenched Pan India Network *SHRIRAM Tranaport Fmance Company L.P. A WINNING RELATIONSHIP Zonal Split of Branches ABBREVIATIONS Zone Zone Name ZORPR, 96 ZORPR, ZOADH, 180 ZOADH HYDERABAD ZOADH HYDERABADZONE ZONE ZOPUN, 161 ZOPUN, ZODHP DELHI ZODHP DELHIZONE ZONE ZODHP, ZODHP, 49 ZOECE RANCH ZO
Slide 14: P&L Statement
P&L Statement liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars Particulars (Rs. mn) Q3 FY20 Q1 FY21 Q2 FY21 Q3 FY21 YoY (%) QoQ (%) 9M FY20 9M FY21 YoY (%) FY20 Interest income 41,912.7 41,273.6 43,271.1 44,125.5 5.28% 1.97% 1,23,386.0 1,28,670.2 4.28% 1,64,773.1 Interes
Slide 15: Balance Sheet
ViSr.HRIRAM Balance Sheet BalancE hei A WINNING RELATIONSHIP (Rs. mn) Particulars (Rs. Particulars Dec-19 Jun-20 Sep-20 Dec-20 YoY (%) YoY QoQ (%) QoQ (%) Mar-20 I. ASSETS ASSETS Assets Financial Assets Financial Cash and cash equivalents cash equivalents 9,653.1 32,865.8 29,250.8 37,983.0 293.48% 2
Slide 16: Balance Sheet (Continued)
H R I RAM Balance Sheet (Continued) Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP Particulars Particulars (Rs. mn) Dec-19 Mar-20 Sep-20 Dec-20 YoY (%) QoQ (%) Mar-20 II. Liabilities Liabilities and and Equity Equity Financial Liabilities Derivative financial instruments Derivative financia
Slide 17: Key Metrics Q3 FY21
Key Metrics–Q3 Key Metrics Q3 FY21 FY21 liSHRIRAM Tronoport Pmance Company Urnitee A WINNING RELATIONSHIP P&L Metrics Metrics (Rs. mn) Q3 FY20 Q1 FY21 01 FY21 Q2 FY21 Q3 FY21 YoY (%) QoQ (%) 9M FY20 9M FY21 YoY (%) FY20 Interest Income 41,912.7 41,273.6 43,271.1 44,125.5 5.28% 1.97% 1,23,386.0 1,28,
Slide 18: Borrowing Profile Dec 2020 vs Dec 2019
Borrowing Profile as on December 31, 2020 vs December 31, 2019 iiSHRIRAM Tmooport ;nonce Company Umitee A WINNING RELATIONSHIP Rs 962.60 bn Rs 915.16 bn Bonds, Bonds, 21.32% External External Commercial 23.87% Commercial External Commercial Paper, 0.54% Paper, Bond, 12.83% Bond, Commercial Borrowing
Slide 19: Borrowing Profile Dec 2020 vs Sep 2020
Borrowing Profile Profile as as on on December December31, 31,2020 2020vs September 30, 2020 iiSHRIRAM vs September Tranoport Fmance Company L.P. A WINNING RELATIONSHIP Rs 962.60 bn Rs 959.01 bn Bonds, 21.32% Bonds, Other External Borrowing, 20.97% Commercial External 3.59% Bond, Bond, 12.83% Commer
Slide 20: ALM statement on December 31, 2020
ALM statement ALM statement on on December December 31, 2020 liSHRIRAM Tronoport ;nonce Company Urnitee A WINNING RELATIONSHIP Over one Over 2 Over 3 Over 6 Over Over one One Over 3 to Particulars (Rs. Particulars (Rs. Bn) month to 2 months to months to months to year to 3 Over 5 years Total month 5
Slide 21: Shareholding Pattern Dec 2020 vs Dec 2019
Shareholding Pattern as on December 31, 2020 vs December 31, 2019 iiSHRIRAM Tranoport Fmance Company L.P. A WINNING RELATIONSHIP No. of shares outstanding: outstanding: 253.06 253.06 mn No. of shares outstanding: outstanding: 226.88 226.88 mn Other Public , Public, Other Public, Corporate 5.90% Corp
Slide 22: Has Attracted Strong Interest from Quality Investors
SHRIRAM Has Attracted Strong Interest from Quality Investors Tranaport Pmance Company Lerma A WINNING RELATIONSHIP Current * Consistent Consistent track track record record and and high high growth growth potential has attracted potential attracted reputed reputed institutional institutional and K
Slide 23: 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 22
Slide 24: About Us
About Us liSHRIRAM Tranaport Pmance Company Urnitee A WINNING RELATIONSHIP About Shriram Transport Finance Co. Ltd. Shriram Transport Shriram Transport Finance Finance Co Co Ltd. Ltd. is is one one of the largest largest asset financing financing NBFCs NBFCs in in India Assets on Balance India with
Slide 25: Thank You
SHRIRAM Transport Finance Company Limited A WINNING RELATIONSHIP Thank You
Shriram Transport Finance Company — Q3 FY2021 Earnings Presentation on 6ix