Sundaram Finance Limited · NSE:SUNDARMFIN
Sundaram Finance — H1 FY2021 Earnings Presentation
16 slides from Sundaram Finance's earnings presentation, 2020
Slide 1: Performance Highlights H1FY21
PERFORMANCE HIGHLIGHTS H1FY21
Slide 2: Disbursements and AUM
Disbursements and AUM ₹ in Crore % Growth Disbursements AUM -1.5% 11.1% 1.0% 9000 30000 7500 6000 8246 27000 -50.2% 4500 30256 30572 24000 3000 4103 21000 1500 0 18000 H1FY20 H1FY21 30-Sep-2019 30-Sep-2020 AUM - Assets Under Management
Slide 3: Disbursements: Asset wise and Region wise
Disbursements 5.3% 4.9% H1FY20 13.5… H1FY21 10.7% 16.0% 28.7% Asset wise ₹ 8246 Cr. ₹ 4103 Cr. 55.6% 23.5% 16.6% 25.2% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 4.1% 6.1% Region wise 12.2% 9.7% ₹ 4103 Cr. 19.8% ₹ 8246 Cr. 27.0% 57.2% 63.9% South
Slide 4: AUM: Asset wise and Region wise
AUM 6.1% 6.9% 30-Sep-2019 5.4% 7.1% 30-Sep-2020 9.9% Asset wise 11.2% ₹ 30256 Cr. 53.4% ₹ 30572 Cr. 50.8% 25.2% 24.0% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 3.6% 4.0% 12.4% Region wise 12.6% 19.0% 20.5% ₹ 30572 Cr. ₹ 30256 Cr. 62.9% 65.0% Sout
Slide 5: Funding Mix
Funding Mix 60.0% Total 30-Sep-2019 31-Mar-2020 30-Sep-2020 49.0% Borrowing ₹ 29925 Cr. ₹ 29007 Cr. ₹ 30208 Cr. 50.0% 45.7% 40.2% 40.0% 30.0% 18.6% 20.1% 20.0% 17.9% 16.7% 13.6% 16.7% 13.2% 11.9% 13.4% 9.2% 7.7% 10.0% 6.1% 0.0% Debentures Bank Securitisation Deposits Commercial Borrowings * Paper 30
Slide 6: Profit & Loss Statement
Profit & Loss Statement ₹ in Cr. FY20 Particulars H1FY21 H1FY20 3804.55 Revenue From Operations 1924.40 1906.77 84.85 Other Income 8.52 67.32 3889.40 Total Revenue 1932.92 1974.09 2072.03 Finance cost 1038.87 1023.01 585.85 Operating expenses 280.39 293.59 286.40 Impairment on financial instruments
Slide 7: Balance Sheet
Balance Sheet ₹ in Cr. 31-Mar-2020Particulars 30-Sep-2020 30-Sep-2019 EQUITY AND LIABILITIES 27824.60Financial Liabilities 29231.07 28101.61 47.54Non Financial Liabilities 44.41 143.76 5547.37Equity 5863.41 5313.14 33419.51Total - EQUITY AND LIABILITIES 35138.89 33558.51 ASSETS 32725.79Financial Ass
Slide 8: Key Ratios
Key Ratios Net worth (₹ in Cr.) Book value per share (₹) Debt Equity CRAR 6.0 19.3% 20.0% 6500 528 550 478 499 17.4% 18.4% 19.0% 5500 500 5.0 18.0% 17.0% 4500 450 4.0 16.0% 3500 400 15.0% 5313 5547 5863 3.0 5.2 14.0% 4.9 4.9 2500 350 13.0% 2.0 12.0% 1500 300 11.0% 500 250 1.0 10.0% 30-Sep-2019 31-Ma
Slide 9: Portfolio Quality
Portfolio Quality Stage III% Stage III% (net of ECL) 3.50% 3.00% 2.47% 2.50% 2.20% 2.14% 2.00% 1.64% 1.65% 1.50% 1.17% 1.00% 0.50% 0.00% 30-Sep-2019 31-Mar-2020 30-Sep-2020 * • The Honourable Supreme Court of India, vide an interim order dated September 3, 2020, directed that borrowers who have avai
Slide 10: Branch Network
Branch Network No. of Branches : 588 (PY H1 : 680) 30-Sep-2020 No. of Employees : 4188 (PY H1: 4231) 41 63 322 162 South North West East
Slide 11: Subsidiaries, Joint Ventures & Associates
Subsidiaries, Joint Ventures & Associates Subsidiaries Joint Venture Sundaram Home Finance Limited Royal Sundaram General Insurance Co. Limited Sundaram Finance Holdings Limited Sundaram Business Services Limited Sundaram Asset Management Company Limited Sundaram Asset Management Singapore Pte. Limi
Slide 12: Consolidated Results
Consolidated Results ₹ in Cr. PAT 900 792 750 600 552 450 357 300 Net Worth 150 8000 7202 0 7000 6677 6325 H1FY20 FY20 H1FY21 6000 EPS (₹) 32.42 71.85 50.13 5000 4000 3000 2000 1000 30-Sep-19 31-Mar-20 30-Sep-20 Book Value (₹) 574.19 606.09 653.68
Slide 13: Sundaram Home Finance
Sundaram Home Finance ₹ in Cr. FY20 Particulars H1FY21 H1FY20 2113Disbursements 378 1187 71.43% -Housing 82.00% 68.46% 28.57% -Non-Housing 18.00% 31.54% 9456AUM 9294 9429 70.48% -Housing 70.32% 69.77% 29.52% -Non-Housing 29.68% 30.23% 218@PAT 99 95 21.54EPS (₹) *19.52 *18.75 1421Net worth 1488 1289
Slide 14: Royal Sundaram
Royal Sundaram ₹ in Cr. FY20Particulars H1FY21 H1FY20 3718Gross Written Premium 1257 1826 (76)PAT 241 (16) (9)Total Comprehensive Income 312 17 1090Net worth 1402 1115 111%Combined Operating Ratio 103% 113% 2390Employees 2333 2265
Slide 15: Sundaram Asset Management
Sundaram Asset Management ₹ in Cr. FY20Particulars H1FY21 H1FY20 36,920Average AUM 33,868 34,758 25,292 -Equity 24,218 23,126 11,628 -Debt 9,650 11,632 33PAT 19 8 213Net worth 217 188 367Employees 389 365 10,87,296Retail Investors 10,37,143 11,70,996
Slide 16: Disclaimer
Disclaimer This document is for information purposes only and is not and does not form part of an invitation/ offer / advertisement / advise to purchase or sell any securities of the Company. The materials and information contained in the document are prepared by the Company and are correct and accu