CSL Finance Limited · NSE:CSLFINANCE
CSL Finance — Q1 FY2019 Earnings Presentation
17 slides from CSL Finance's earnings presentation, August 2018
Slide 1: Investor Presentation
CSL Finance Limited ESE: 530057 | ISIN: iNE7IaanIa i DIN:L746§9DL1992PLC|15|452 | www.csLHNANDE IN Investor Presentation © zms CSL mums LiMiTED, ALL mm: RESERVED
Slide 2: Table of Contents
Table of Contents Company Snapshot Milestones Business Strategy Our Preseme Operan'onal Overview 11 rinamial Update 12 Finamial Manix 16 Future Growth Drivers 19 Q ESL Hmm umm a 2m (51 mm mm A11 mm mm
Slide 3: Company Snapshot
Company Snapshot wire I ($12 Ratings 1'me i Delhi based NBFC with Listed on Bombay 99% of loan ass rating AUM of Rs :02 Cr Stock Exchange book is secured from CARE @- 12 Branches spread High CAR Low cost of Raised 51 Cr from Marquee across North India of 54% operations investors in Sep 2017 Q CSL Hu
Slide 4: Business Strategy
Business Strategy Foulssed Approadl Portfolio Quality Prudent risk managem ent and System ant build up ol portlollo In (hosen geogaphles relermess monitoring ol portlollo 'I- 'l- Casi: Flexibility Fouls on low opetanonal ® 'I- Flexible olienngs In line With and borrowing tons BI (usmm er needs Nidle
Slide 5: Product Portfolio
Product Portfolio Produu Portfolio Wholesale Mortgag arge (Group Housing) Wholesale . . Wholesale Mongage LAP F'"a"""9 (Corporates, Individualsand Education Sector) Secured Bu ness Loans Retail Finaming o csLHmm umm
Slide 6: Branches
Branches .9. Existing Branches 9 Jalandhar 9, Ludhianav 2 Dehradun to Proposed Branches Patiala Yamuna Ambala'g‘ Panipat 0 Nagar .9, New Delhi .9. Sikar 9 2 Jaipur 2 Ajmer Jodhpur .9. Kota .9. Mehsanav Ahmedabad 9 Rajkot 2 Surat 2 Vapi Map not to scale, for representation purposes only Q CSL Finance
Slide 7: Risk Management Framework
Risk Management Framewo k Presente in selett potkee ol NCR Extellent understanding ol the market dynamits and risks Presence in select Selettive lotus on market segments with good enduse demand markets Last mile linanting , signilitantlv redutes projett risk Deal with reputed developers with good tr
Slide 8: Operational Update
Operational Update V The company has built a robust pipeline for deals in the Wholesale Small Lending business and is aiming to tap new regions within NCR V The disbursements in the wholesale business were lower due to this being a lean season V The company is in active discussion with multiple lend
Slide 9: Financial Update
Financial Update V Total Revenue increased by 66.57% to Rs 13.67 Cr in Q1 FY2018719 as compared to Rs 8.20 Cr in Q1 FY2017718 V Net Profit increased by 58.51% to Rs 6.17Cr in Q1 FY2018719 as compared to Rs 3.89 Cr in Q1 FY2017718 V AUM increased by 61.97% to Rs.301.72 Cr in Q1 FY2018719 as compared
Slide 10: Credit Business Mix
Credit Business Mix Product Category Book ze (Rs Cr) corporare Lending Loans to Group Housing Projeds (onsisling both ol W“°'°“'° ”“9399 ' “'99 169 siandard loans and slrudured (ollaleralised loans Wholesale Mortgage — Small 56 Builder Floor a Site Redevelopment Loans Mezzanne loans glven to Edu(all
Slide 11: Wholesale Credit - Leveraging our Relationships
Wholesale Credit — Leveraging our Relationships Assets Under Management (AUM) Figuresin INR Crores Business Approach 300.00 V Better domain knowledge due to controlled geographical presence 275 DD 27148. V Selective focus on market segments with good end-use 55-19 demand V 25000 24836 High degree of
Slide 12: Retail Credit Expanding Footprint
Retail Credit Expanding Footprint Assets Under Management (AUM) . . Business Approach Figures in INR Crores " 25 Building a focussed retail presence. Started with select 24-24 markets in NCR, Haryana, Punjab and Rajasthan; further 2|] / " expanding into Gujarat Currently 12 operational branches 15 /
Slide 13: Financial Metrics
Financial Metrics Total Income Operating Expenses (Rs Cr) iii .4 5 3_11i 1167 13 23 ' 14 i - "181 1% 922 2 5 2'33 W 3.2 1.98 1.84 H 2 1.5 (.3 1 5 4 I 2 _ r u ., 0 ” ‘.zii-Yié$ mama mil-Via QAWM unrvw ('21 M M ('22 M M ('2 W1 H mm n ('21 W10 Pre Pro ning Profit Before Tax (Rs Cr) Net Profit (Rs Cr) /
Slide 14: Financial Metrics (contd..)
Financial Metrics (contd..) Borrowings (Rs Cr) Net Interest Income (Rs Cr) lin 115.98 Lin 102.32 11.21 10.72 II N I 89.62 9.64 Imm m 6378 7.31 i I I I I 5805 m 589 I I Him w VII II mm Q'IFY'IS QZFY'IS QBFY'IS Q4FY'I8 01 FY19 QAFY I7 QIFY IR t'zPFY IR ("HFY IR QAFY IR QIFY I") M — End of Quarter (Rs
Slide 15: Financial Metrics (contd..)
Financial Metrics (contd..) Capital Adequacy Ratio (%) Net Interest Margin (%) ”" 34% 34% o 68% 65% o n 18072,; 1914% 17-72% 16-19% I i I I I i7];Ei‘ifl 1i% QAFY|7 QIFYIR ('JPFYW ('z'fiFYIR QAFYIR QIFYI") [JdWll 'JII'YIK wi/H‘IP- I ‘HHHH HZIH’IB Ull'Vi“ Number of Employees Number of Branches Ion 96
Slide 16: Growth Strategy
wth strategy Portfolio Mix V Consolidate ourwholesale lending book and diversify into Retail SME lending 'ng‘ lending over 3 years El:l:l V Aim to achieve a mix of 60:40 between Wholesale and Retail Wholesale Mortgage — Large Wholesale Mortgage-Small V V Broaden our loan target segment with better d
Slide 17: Thank You
Thank You CSL Finance ’ Limited Registered 8: Corporate Office: Investor Contact 8/19, GF, W.E.A, Pusa Lane Akash Gupta Opp Metro Pillar 87, Karol Bagh, Phone +91 11 42503441 —44 New Delhi -110005 Email akash.gupta@cslfinance.in