Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q3 FY2021 Earnings Presentation
14 slides from Can Fin Homes's earnings presentation, Jan 25, 2021
Slide 1: Submission of Investor Presentation - Post Q3 FY21 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 Can Fin Hemes lid E-mail: compsec@canfinhomes.com (Sponsor: q4.na.ra bank.) Tel : 080 26564259 Fax :080 26565746 Dram/aiing (Dreams into OZea/ily Web: www.canfinhomes.com CIN:L85110KA1987P
Slide 2: Can Fin Homes Limited at a Glance
Can Fin Homes Limited at a Glance 33 years of vision, passion and progress Offering home loans since 1987….. and the journey continues Information to Investors 3QFY21 ended December 2020
Slide 3: About Us
ABOUT US Legacy Focus Reach Financials Vision • 33 year old institution • To promote home • Headquartered in • Last Five Year O/s • To continue our registered as a ownership across Bangalore Growth /CAGR journey with high deposit taking HFC India, with a motto (Mar.15 ~ Mar.20) asset quality, with N
Slide 4: Board of Directors
BOARD OF DIRECTORS Shri Lingam Venkata Prabhakar Sri Girish Kousgi Managing Shri Debashish Mukherjee Shri G Naganathan Chairman Director & CEO Director (Promoter) Director (Independent) Shri Shreekant M Bhandiwad Dr. Yeluri Vijayanand Shri Satish Kumar Kalra Smt Shubhalakshmi Amod Deputy Managing Di
Slide 5: Performance Highlights – Q3 FY21
PERFORMANCE HIGHLIGHTS – Q3 FY21 Loan Book reached Rs.21004 crore with a clientele base of 1.70 lakh PBT & PAT for Q3FY21 rose by 19% & 24% (Y-o-Y) respectively NIM: 3.97 %, RoA: 2.27 %, RoE: 18.84 % and EPS: Rs 26.55 Cost to Income Ratio : 13.14 %. Gross NPA & Net NPA stood at 0.68 % & 0.41 %. 72%
Slide 6: Performance Highlights – Q3 FY21
PERFORMANCE HIGHLIGHTS – Q3 FY21 Amount in Rs. Cr Sl. Particulars Dec’20 (3m) Sep’20 (3m) Dec’19 (3m) Dec’20 (9m) Dec’19 (9m) No. 1 New Approvals 1256 851 1617 2371 4330 2 Disbursements 1106 825 1477 2331 4087 3 Outstanding Loan Book 21004 20830 20172 21004 20172 4 Interest Income 499.62 524.04 513.
Slide 7: Performance Highlights – Q3 FY21
PERFORMANCE HIGHLIGHTS – Q3 FY21 Amount in Rs. Cr Sl. Particulars Dec’20 (3m) Sep’20 (3m) Dec’19 (3m) Dec’20 (9m) Dec’19 (9m) No. 13 Profit Before Tax & Provisions 179.10 187.15 150.12 536.44 418.85 14 Provision for SA & NPA 1.63 15.10 4.55 60.87 19.48 15 Profit Before Tax 177.47 172.05 145.57 475.5
Slide 8: Key Financial Ratios – Q3 FY21
KEY FINANCIAL RATIOS – Q3 FY21 Amount in Rs. Cr Sl. PERIOD ENDED Particulars No. Dec’20 Sep’20 Dec’19 1 Return on Avg Assets (Annualised) 2.27% 2.13% 1.98% 2 Return on Avg Equity (Annualised) 18.84% 18.78% 18.55% 3 Earning Per Share (Rs.) 26.55 16.64 21.42 4 Net Interest Margin (%) 3.97% 3.89% 3.43%
Slide 9: Lending Basket
LENDING BASKET Category-wise Product-wise Distribution of Loan Book Amount in Rs. Cr Sl . Category/Product Dec-19 Mar-20 Jun-20 Sept-20 Dec-20 No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 13255 13598 13676 13750 14013 ii) Top-up Personal Loans 466 486
Slide 10: Funding Basket
FUNDING BASKET Funding Mix @ Dec 2020 (as %) Funding Mix @ Dec 2019 (as %) DEP 2% CP/NCD CP/NCD 20% 26% DEP NHB Banks 2% Banks 57% NHB 21% 57% 15% Cost of borrowings contained at 6.87 % Dec’20 ( 7.88% in Dec’19) www.canfinhomes.com 9
Slide 11: Financial Performance
Financial Performance Total Revenue (in Cr) Profit After Tax (in Cr) 528.86 525.81 128.42 131.92 522.50 90.91 93.15 502.76 Mar-20 Jun-20 Sep-20 Dec-20 www.canfinhomes.com 10
Slide 12: Branch Network
BRANCH NETWORK (163 branches + 21 AHLCs + 14 Satellite Offices) • Punjab – Jalandhar • Odisha – Bhubaneshwar, Telangana – Hyderabad (8 • Delhi – Nehru Place, Pitampura Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Haryana – Gurgaon, Manesar, • Bihar – Patna
Slide 13: Strategic Initiatives
STRATEGIC INITIATIVES Reach: Network increased from 41 branches as at Mar’11 .. to 140 at Mar’16 .. to 198 now (184 Br/AHLCs + 14 SOs) Proposal to add 2 new branches during the year Focus on Right Product and Right Profile Mix: Continued strong focus on Housing Loans / Non-Housing Loans Focus on len
Slide 14: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini