Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — Shareholder Meeting (July 2019)
12 slides from Cholamandalam Investment And Finance's shareholder meeting presentation, Jul 30, 2019
Slide 1: Cholamandalam Investment and Finance Company Limited 41st Annual General Meeting
Cholamandalam Investment and Finance Company Limited 41stt Annual A l General G l Meeting M i 30 th July 2019 1
Slide 2: Strong Geographical Presence
Strong Geographical Presence Jammu & Kashmir (3) Punjab (21) Himachal Pradesh (13) Chandigarh (3) Uttarakhand (14) Harayana (27) Delhi (5) Assam (23) Rajasthan (69) UP (63) Bihar (34) Meghalaya (3) Mizoram (1) 41 years of Existence Madhya Pradesh Tripura (4) Gujarat (64) (55) West Bengal (51) Goa (2
Slide 3: Highlights FY19
Highlights FY19 • Increase of 21% and was at Rs. Rs 30,451 30 451 Cr as against to Rs. Rs 25,114 25 114 Cr in Disbursements FY 18 PAT • Up by 29% and was at Rs. 1186 Cr as against Rs.918 Cr in FY 18 . • Up by 26% and was at Rs. 54,279 Cr as against to Rs. 42,924 Cr. in FY Business AUM 18. Branch Exp
Slide 4: Highlights FY19
Highlights FY19 • At the end of FY 19 declined to 2.7% compared p to 3.4% at the end of Gross Stage3 Assets FY 18. • Was lower at 1.7% at the end of FY 19 compared to 2.2% at the end Net Stage3 Assets of FY 18. Provision Coverage • Improved to 38.0% in FY 19 as compared to 34.3% in FY 18. Ratio 4
Slide 5: Standalone Financials
Standalone Financials Rs in Cr Profit & Loss Account FY 19 FY 18 Growth% Disbursements 30,451 25,114 21% Income 6,993 5,480 28% Finance Costs (3,589) (2,659) 35% Operating Expenses & Losses (1,581) (1,419) 11% P fit Before Profit B f T Tax 1 823 1,823 1 401 1,401 30% Taxes (637) (483) 32% Profit Aft
Slide 6: Vehicle Finance: Financial summary FY19 (I)
Vehicle Finance: Financial summary FY19 (I) Disbursements (₹Cr) Assets under management (₹Cr) IGAAP IND AS IGAAP IND AS 40,588 24,807 , 40 588 40,588 31,440 20,540 31,440 23,631 14,471 20,100 3,360 17,639 12,383 2,186 20,271 2,717 17,914 , 9,363 14,922 FY15 FY16 FY17 FY18 FY19 FY15 FY16 FY17 FY18 FY
Slide 7: Vehicle Finance: Financial summary FY19 (II)
Vehicle Finance: Financial summary FY19 (II) Income (₹Cr) Profit before tax (₹Cr) IGAAP IND AS IGAAP IND AS 28% 5 424 5,424 1 278 1,278 4,190 996 3,609 3,159 2,909 682 555 346 FY15 FY16 FY17 FY18 FY19 FY15 FY16 FY17 FY18 FY19 7
Slide 8: Home Equity: Financial Summary FY19 (I)
Home Equity Equity—Financial Financial Summary FY19 (I) Disbursements (₹Cr) Assets under Management (₹Cr) IGAAP IND AS IGAAP IND AS 21% 3,837 15% 3,476 11,626 3,174 10,095 1,671 3,043 3,056 9,593 8,852 671 7,280 1,978 2,904 831 9,424 9,954 6,449 6,873 6,689 FY15 FY16 FY17 FY18 FY19 FY15 FY16 FY17 FY
Slide 9: Home Equity: Financial Summary FY19 (II)
Home Equity Equity—Financial Financial Summary FY19 (II) Income (₹Cr) Profit before tax (₹Cr) IGAAP IND AS IGAAP IND AS 5% 1,217 1,247 38% 1,184 305 1,124 261 941 240 221 207 FY15 FY16 FY17 FY18 FY19 FY15 FY16 FY17 FY18 FY19 Note: Without assignment gains 9
Slide 10: Key Data - Shareholders
Key Data - Shareholders Earnings per Share (₹) Book Value per Share (₹) IGAAP IND AS IGAAP IND AS 395 75 9 75.9 326 58.8 276 46.0 234 204 37.5 30.0 FY15 FY16 FY17 FY18 FY19 FY15 FY16 FY17 FY18 FY19 Market Price per Share(₹) Market Capitalization (₹ Cr) IGAAP IND AS IGAAP IND AS 22 678 0 22,678.0 22
Slide 11: Financial Results Q1 FY20
Financial Results QQ1 FY20 11
Slide 12: Q1 FY20 Financial Results
Q1- FY 20 - Financial Results IND AS Particulars Q1 FY20 Q1 FY19 Growth Disbursements in Cr. 8,572 7,014 22% A Assets t under d Management M t in i CCr. 62 827 62,827 46 709 46,709 35% Profit After Tax in Cr. 314 285 10% Earnings g Per Share in Rs. 16 15 11% Book Value per Share in Rs. 83 69 20% Gro
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