Sundaram Finance Limited · NSE:SUNDARMFIN
Sundaram Finance — 9MFY21 Earnings Presentation
18 slides from Sundaram Finance's earnings presentation, Feb 6, 2021
Slide 1: Performance Highlights 9MFY21
PERFORMANCE HIGHLIGHTS 9MFY21
Slide 2: Board approved changes in management effective 1st April 2021
The Board of Directors, at the meeting held on 20th January 2021, approved the following changes w.e.f. 1st April 2021. ➢ Sri T. T. Srinivasaraghavan’s tenure as Managing Director ends on 31st March 2021 and he has expressed his desire to lay down office as of that date. He will remain as a Non-exec
Slide 3: Disbursements and AUM
Disbursements and AUM ₹ in Crore % Growth Disbursements AUM 14000 2.4% 32000 12000 10000 -31.1% 29000 12246 8000 6000 8.4% 31226 26000 8437 30502 4000 23000 2000 4000 4334 0 20000 9MFY20 Q3FY20 9MFY21 Q3FY21 31-Dec-2019 31-Dec-2020 AUM - Assets Under Management
Slide 4: Disbursements by Region and Asset
Disbursements 4.9% 16.2% 9MFY20 6.6% 9MFY21 10.9% 29.6% Asset wise 12.5% ₹ 12246 Cr. 52.0% ₹ 8437 Cr. 25.6% 13.8% 27.9% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 4.0% 5.1% Region wise 12.3% 10.3% ₹ 8437 Cr. 21.0% ₹ 12246 Cr. 26.9% 57.7% 62.7% Sou
Slide 5: AUM by Region and Asset
AUM 5.9% 8.7% 31-Dec-2019 5.8% 31-Dec-2020 7.2% 10.1% Asset wise 11.2% 48.2% ₹ 30502 Cr. 52.6% ₹ 31226 Cr. 25.6% 24.7% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 3.7% 4.1% 12.5% Region wise 12.4% 21.2% ₹ 31226 Cr. 19.6% ₹ 30502 Cr. 62.3% 64.2% Sou
Slide 6: Funding Mix
Funding Mix 60.0% 49.6% 50.0% 45.7% 43.8% 40.0% 30.0% 20.0% 15.6% 16.7% 17.6% 17.3% 16.7% 13.2% 11.4% 12.7% 13.3% 10.6% 10.0% 7.7% 8.1% 0.0% Debentures Bank Securitisation Deposits Commercial Borrowings * Paper 31-Dec-2019 31-Mar-2020 31-Dec-2020 * Includes a) Term loans b) Commercial Papers and dem
Slide 7: Profit & Loss Statement
Profit & Loss Statement ₹ in Cr. FY20 Particulars 9MFY21 9MFY20 3804.55 Revenue From Operations 2959.88 2873.15 84.85 Other Income 10.03 73.23 3889.40 Total Revenue 2969.91 2946.38 2072.03 Finance cost 1546.01 1556.39 585.85 Operating expenses 420.39 439.73 286.40 Impairment on financial instruments
Slide 8: Balance Sheet
Balance Sheet ₹ in Cr. 31-Mar-2020Particulars 31-Dec-2020 31-Dec-2019 EQUITY AND LIABILITIES 27824.60Financial Liabilities 30154.86 27811.21 47.54Non Financial Liabilities 51.63 64.50 5547.37Equity 6104.37 5536.94 33419.51Total - EQUITY AND LIABILITIES 36310.86 33412.65 ASSETS 32725.79Financial Asse
Slide 9: Key Ratios
Key Ratios 7000 20.0% 3.0% 17.5% # 19.2% 16.3% # 2.1% # 2.2% 2.5% 2.0% # 6000 16.0% 2.0% 5000 12.0% 1.5% 6104 5537 5547 1.0% 4000 8.0% 0.5% 3000 4.0% 0.0% 31-Dec-2019 31-Mar-2020 31-Dec-2020 31-Dec-2019 31-Mar-2020 31-Dec-2020 Net worth (₹ in Cr.) Core-ROE * ROA * * Assets includes securitised / ass
Slide 10: Key Ratios
Key Ratios 6.0 22.0% 19.7% 17.6% 18.4% 20.0% 5.0 18.0% 4.0 16.0% 3.0 4.9 4.9 4.9 14.0% 2.0 12.0% 1.0 10.0% 31-Dec-2019 31-Mar-2020 31-Dec-2020 Debt Equity CRAR
Slide 11: Portfolio Quality
Portfolio Quality 3.50% 3.00% 2.79% 2.47% 2.50% 2.09% 2.00% 1.65% 1.59% 1.50% 0.83% 1.00% 0.50% 0.00% 31-Dec-2019 31-Mar-2020 31-Dec-2020 * Stage III (Gross)% Stage III% (net of ECL Provisions) * This is in line with the interim order of the Honourable Supreme Court of India dated September 3, 2020,
Slide 12: Branch Network
Branch Network No. of Branches : 583 (PY 9M : 668) 31-Dec-2020 No. of Employees : 4189 (PY 9M: 4229) 40 64 320 159 South North West East
Slide 13: Subsidiaries, Joint Ventures & Associates
Subsidiaries, Joint Ventures & Associates Subsidiaries Joint Venture Sundaram Home Finance Limited Royal Sundaram General Insurance Co. Limited Sundaram Finance Holdings Limited Sundaram Business Services Limited Sundaram Asset Management Company Limited Associates of a subsidiary company Sundaram A
Slide 14: Consolidated Results
Consolidated Results ₹ in Cr. PAT Net Worth 895 900 8000 7586 792 7000 6585 6677 750 596 6000 600 5000 450 4000 300 3000 150 2000 0 1000 9MFY20 FY20 9MFY21 31-Dec-19 31-Mar-20 31-Dec-20 EPS (₹) 54.09 71.85 81.19 Book Value (₹) 597.72 606.09 688.53
Slide 15: Sundaram Home Finance
Sundaram Home Finance ₹ in Cr. FY20 Particulars 9MFY21 9MFY20 2113Disbursements 795 1723 71.43% -Housing (including Project finance) 79.63% 69.42% 28.57% -Non-Housing 20.37% 30.58% 9456AUM 9109 9507 70.48% -Housing (including Project finance) 70.68% 70.02% 29.52% -Non-Housing 29.32% 29.98% 218@Profi
Slide 16: Royal Sundaram
Royal Sundaram ₹ in Cr. FY20Particulars 9MFY21 9MFY20 3718Gross Written Premium 2,081 2,819 (76)Profit After Tax 289 (12) 67Other Comprehensive Income (net of taxes) 128 (1) (9)Total Comprehensive Income for the period 417 (13) 1090Net worth 1,507 1,085 111%Combined Operating Ratio 107% 114% 2390Emp
Slide 17: Sundaram Asset Management
Sundaram Asset Management ₹ in Cr. FY20Particulars 9MFY21 9MFY20 36,920Average AUM 35,512 36,224 25,292 -Equity 25,627 24,585 11,628 -Debt 9,885 11,639 33Profit After Tax 32 21 213Net worth 231 202 367Employees 367 364 10,87,296Retail Investors 10,54,488 10,57,470
Slide 18: Disclaimer
Disclaimer This document is for information purposes only and is not and does not form part of an invitation/ offer / advertisement / advise to purchase or sell any securities of the Company. The materials and information contained in the document are prepared by the Company and are correct and accu