Star Housing Finance Limited · BSE:STARHFL
Star Housing Finance — Investor Presentation (July 2023)
14 slides from Star Housing Finance's investor presentation, July 2023
Slide 1: Star Housing Finance Ltd Corporate Deck
Star Housing Finance Ltd CORPORATE DECK July 2023
Slide 2: Star HFL - Company Brief
STAR HFL - COMPANY BRIEF ABOUT US KEY FIGURES ▪ Listed on the BSE (BOM: 539017) ▪ AUM at 271.62 crs with 2761 live accounts with Avg. Loans Size of Rs. 11 lakhs ▪ Affordable housing finance company ▪ GNPA at 1.56% and NNPA at 1.13% as of June 30, 2023 ▪ PBT of Rs. 8.02 crs and PAT of Rs. 6.98 crs fo
Slide 3: Leadership Profile
LEADERSHIP PROFILE Company Board CEO CLO Senior Management HEAD FI & BH-VIDARBHA HFC Exp: 30 years RICH IN DOMAIN & VINTAGE CUMULATIVE EXPERIENCE OF MORE THAN 200 YEARS IN FINANCIAL SERVICES SPACE 3
Slide 4: Becoming a Professionally Run HFC
BECOMING A PROFESSIONALLY RUN HFC COMPANY TRANSITION BUSINESS TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Franchise based Business Model In-house business model Old Name New Name Geographic concentration Multi-state presence Registered & 11 member team 150+ strong team Registered
Slide 5: Becoming a Professionally Run HFC (contd.)
BECOMING A PROFESSIONALLY RUN HFC (contd.) LIABILITY TRANSITION BOARD TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Diversified Borrowing Profile with Borrowings predominantly from focus on PSBs. Private Sector Banks, Financial Institutions FIs and the NHB Professional characteristi
Slide 6: Net Worth Strengthened Consistently
NET WORTH STRENGTHENED CONSISTENTLY 120 Figures in Rs. crs 17.21 106.42 100 11.2 2.19 80 21.6 ESOP I Cumulative Tranche I Exercised PAT Accretion Capital Raise 60 8.2 15.5 Capital Raise III 40 30.52 Capital Raise II 20 Capital Raise I 0 FY2018-19 Oct-19 Nov-21 Jul-22 Nov-22 Feb-23 Mar-23 Net worth N
Slide 7: Key Portfolio Cuts as of Jun 30, 2023
KEY PORTFOLIO CUTS AS OF JUN 30, 2023 Wholesale Retail 0-60 month 61-120 month 121 to 180 months Up to 25 lakh 25-50 lakhs > 50 Lakhs 1% 1% 5% 2% 16% Ticket Product 51% Tenure Size Wise Wise wise 28% 99% 97% Gujarat Madhya Pradesh Up to 16% 16 - 22% 22 - 28% Up to 50% 50-70% 70-80% >80% Maharashtra
Slide 8: Company Debt as of Jun 30, 2023
COMPANY DEBT AS OF JUN 30, 2023 Sanction Amt. Rs. 50.00 crs Rs. 49.75 crs Rs. 12.00 crs Rs. 10.00 crs Rs. 10.00 crs Rs. 10.00 crs Outstanding Amt. Rs. 39.47 crs Rs. 32.98 crs Rs. 6.36 crs Rs. 8.59 crs Rs. 6.95 crs Rs. 4.12 crs No. of Credit Lines 7 3 1 1 1 1 Sanction Amt. Rs. 30.80 crs Rs. 10.00 crs
Slide 9: Business Historicals
BUSINESS HISTORICALS Disbursements (In Rs. Crs.) Assets Under Management (In Rs. Crs.) 187 246 270 195 130 200 29 29 37 35 95 104 65 100 77 0 FY'19-20 FY'20-21 FY'21-22 FY'22-23 Q1 FY2024 0 FY'19-20 FY'20-21 FY'21-22 FY'22-23 Q1 FY2024 ▪ FY’22-23 is the first growth year post capacity build up ▪ 100
Slide 10: Financial Historicals
FINANCIAL HISTORICALS Net Worth (In Rs. Crs.) Borrowings (In Rs. Crs.) 150 225 182.69 106.42 162.50 100 64.10 150 52.47 53.65 78.48 50 30.52 64.28 75 37.70 0 0 FY'18-19 FY'19-20 FY'20-21 FY'21-22 FY'22-23 FY'19-20 FY'20-21 FY'21-22 FY'22-23 Q1 FY2024 ▪ Sequential increase in net worth through capita
Slide 11: Q1 FY'23-24 Business and Financial Performance
Q1 FY’23-24 BUSINESS AND FINANCIAL PERFORMANCE Operating & Financial Performance Y-o-Y AUM & Topline Numbers: AUM as of June 30, 2023 FY2022-23 FY2021-22 increased 134% y-o-y to Rs. 271.62 crs. Total income grew (In Lakhs) Change 99% y-o-y for the quarter. The Company disbursed Rs.34.67 Disbursement
Slide 12: Financial Results: Q1 FY2023-24
FINANCIAL RESULTS: Q1 FY2023-24 Quarter Ended Quarter Ended Particulars Particulars 30-06-2023 30-06-2022 30-06-2023 30-06-2022 Assets Revenue from Operations Cash & Cash Equivalents 21.50 9.77 Interest Income 11.20 4.99 Bank Balances Other than Cash & Cash equivalents 14.18 7.20 Fee & Commission in
Slide 13: Disclaimer
DISCLAIMER This presentation may contain statements about events and expectations that may be “forward-looking,” including those relating to general business plans and overall growth strategy of Star Housing Finance Limited (“Star HFL"), formerly known as Akme Star Housing Finance Limited, and its a
Slide 14: Thank You
Thank You For any questions, please connect with dinesh.kirupalli@starhfl.com www.starhfl.com
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