Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q4 FY2022 Earnings Presentation
22 slides from Can Fin Homes's earnings presentation, Apr 29, 2022
Slide 1: Exchange submission letter - Investor Presentation post Q4 FY22 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Can Fin Homes Ltd Near Lalbagh West Gate, Basavanagudi (Sponsor: Cajvara BAJsrxs.) Bengaluru - 560 004 HOME LOANS » DEPOSITS Tel: 080-48536192; Fax: 26565746 'Jrart.ifafing Z)r estmx tn/n OieolHy e-mail: comDsec@canfin
Slide 2: Investor Presentation 4QFY22 ended March 2022
Investor Presentation 4QFY22 ended March 2022 34 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning April 2022
Slide 3: Legacy, Focus, Reach, Financials, Vision
Legacy Focus Reach Financials Vision • 34 year old • To promote home • Headquartered in • Net Interest Income: • To increase lending institution registered ownership across Bangalore Rs. 816.65 Cr to new home as a deposit taking India, with a motto aspirants, enhance HFC with NHB of friendship • Pan
Slide 4: Journey of Can Fin Homes
3 JOURNEY OF CAN FIN HOMES Best BFSI 2015 Award by ET 2021 Edge & Most 1989 11 more branches Rights issue of CFHL Promising are added, including – mCap over Business New Delhi 1991 Leader Award Loan book crossed Rs. 1000 Cr to MD, Girish Loan Rs. 100 Cr Kousgi book crossed Loan book over 2016 26700
Slide 5: Four strategic pillars - Growth, Asset Quality, Profitability, Liquidity
Focusing on our four strategic pillars - Growth, Asset Quality, Profitability and Liquidity, we continue to follow prudent lending practices. We look ahead with renewed hope and enthusiasm as we maintain our credo of friendship finance and be a reliable housing finance partner for people from all se
Slide 6: Board of Directors
Managing Director & CEO Director (Independent) Chairman (Promoter) Director (Promoter) Managing Director & CEO, Canara Bank Dy. Managing Director Additional Director Director (Independent) (Independent) Director (Independent) www.canfinhomes.com 5
Slide 7: Digital focus areas
In order to ensure uninterrupted services to our customers, even during challenging times like today, we leveraged various advanced digital tools and technologies. These enabled us to reach more customers, across the length and breadth of the country, improve our efficiency and tide through challeng
Slide 8: Quarterly performance highlights FY22
Q1 Q2 Q3 Q4 • Disbursement 894 Crs • Disbursement 2208 Crs • Disbursement 2472 Crs • Disbursement 2704 Crs • Outstanding 22221 Crs • Outstanding 23584 Crs • Outstanding 25091 Crs • Outstanding 26711 Crs • NII: Rs.181.16 Cr, • NII: Rs.191.78 Cr, • NII: Rs.205.92 Cr, • NII: Rs.237.28 Cr, • PBT: Rs. 15
Slide 9: Sequential results: Mar'22 vs Dec'21
Amount in Rs. Crore Sequential Sl. Particulars No. Mar’22 (3m) Dec’21 (3m) Growth% 1 New Approvals 3018 2762 9% 2 Disbursements 2705 2472 9% 3 Outstanding Loan Book 26711 25091 6% 4 Net Interest Income 237.28 205.93 15.23% 5 Operating Profit 194.57 172.03 13.11% 6 Provision for Std Asset 20.53* 10.9
Slide 10: Quarter on quarter results: Mar'22 vs Mar'21
Amount in Rs. Crore Quarter on Quarter Sl. Particulars No. Mar’22 (3m) Mar’21 (3m) Growth% 1 New Approvals 3018 2260 22% 2 Disbursements 2705 2001 35% 3 Outstanding Loan Book 26711 22105 21% 4 Net Interest Income 237.28 185.75 28% 5 Operating Profit 194.57 149.67 30% 6 Provision for Std Asset 20.53
Slide 11: Year on year results: FY22 vs FY21
Amount in Rs. Crore Year on Year Sl. Particulars No. Mar’22 (12m) Mar’21 (12m) Growth% 1 New Approvals 8896 4631 92% 2 Disbursements 8279 4332 91% 3 Outstanding Loan Book 26711 22105 21% 4 Net Interest Income 816.15 798.04 2% 5 Operating Profit 682 686 -0.60% 6 Provision for Std Asset 24.65 46.26 7
Slide 12: Key ratios: Mar'22 vs Dec'21
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Mar’22 (3m) Dec’21 (3m) 1 Return on Avg Assets (Annualised) 2.01% 2.04% 2 Return on Avg Equity (Annualised) 16.03% 15.78% 3 Earning Per Share (Rs.) 9.23 8.69 4 Net Interest Margin (%) 4.15% 3.74% 5 Yield (%) 8.11% 8.05% 6 Cost (%) 5.56% 5.56% 7 Sp
Slide 13: Key ratios: Mar'22 vs Mar'21 (3m)
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Mar’22 (3m) Mar’21 (3m) 1 Return on Avg Assets (Annualised) 2.01% 1.96% 2 Return on Avg Equity (Annualised) 16.03% 15.72% 3 Earning Per Share (Rs.) 9.23 7.7 4 Net Interest Margin (%) 4.15% 3.69% 5 Yield (%) 8.11% 9.49% 6 Cost (%) 5.56% 6.71% 7 Spr
Slide 14: Key ratios: Mar'22 vs Mar'21 (12m)
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Mar’22 (12m) Mar’21 (12m) 1 Return on Avg Assets (Annualised) 2.01% 2.18% 2 Return on Avg Equity (Annualised) 15.36% 17.47% 3 Earning Per Share (Rs.) 35.38 34.25 4 Net Interest Margin (%) 3.57% 3.88% 5 Yield (%) 8.11% 9.49% 6 Cost (%) 5.56% 6.71%
Slide 15: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Crore Sl. Dec-20 Mar-21 Sep-21 Dec-21 Mar - 22 Particulars No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 14013 14920 16124 17132 18205 ii) Top-up Personal Loans 499 553 625 699 767 iii)
Slide 16: Sanctions, disbursements, outstanding
Sanctions Disbursements Outstanding 2730 1645 3018 1506 2472 2761 2207 1363.83 2260 2288 2001 1099 894 829.51 115 Q1 FY Q1 FY Q2 FY Q3 FY Q4 FY Q1 FY Q1 FY Q2 FY Q3 FY Q4 FY Q1 FY Q1 FY Q2 FY Q3 FY Q4 FY 20-21 21-22 21-22 21-22 21-22 20-21 21-22 21-22 21-22 21-22 20-21 21-22 21-22 21-22 21-22 www.ca
Slide 17: Funding mix Mar 2021 vs Mar 2022
Funding Mix @ Mar 2022 (as %) Funding Mix @ Mar 2021 (as %) 2% 2% 11% 19% 14% 51% 51% 7% 22% 21% Banks NHB NCD CP DEP Banks NHB NCD CP DEP . Cost of borrowings at 5.56% (vs 5.57% in Sep 21 & 6.87% in Dec’20) www.canfinhomes.com 16
Slide 18: Yield, spread and cost
Yield (%) Spread (%) Cost (%) 8.11% 5.66% 2.55% 8.06% 8.05% 2.49% 2.42% 5.57% 7.99% 2.40% 5.56% 5.56% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 www.canfinhomes.com 17
Slide 19: Gross NPA, Net NPA and PCR
Gross NPA & Net NPA (%) PCR (Rs.) 0.57 52% 0.47 45% 0.39 40% 0.9 0.3 36% 0.78 0.71 0.64 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 GNPA Net NPA Q1 Q2 Q3 Q4 www.canfinhomes.com 18
Slide 20: Branch network (187 branches + 13 satellite offices)
(187 BRANCHES + 13 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (10 Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Bihar – Patna Mancherial, Nizamabad • Rajasthan – Alwar, Jaipur, Mansarovar, Kota, Udaipur, • Tamil
Slide 21: Covid-19 impact, liquidity and CSR
Covid-19: The COVID-19 pandemic has spread On Liquidity and debt servicing: The Company rapidly throughout the world and has had an has enough liquidity and sufficient unavailed impact on almost all entities either directly or sanctioned limits from banks and financial indirectly. WHO has declared C
Slide 22: 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