Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (April 2019)
27 slides from Capri Global Capital's investor presentation, Apr 13, 2019
Slide 1: Capri Global Capital Limited – Regulation 30 intimation
CAPRI GLOBAL .;* CAPITAL LIMITED Simpler, Better, Faster Date: April 13, 2019 To, BSE LIMITED NATIONAL STOCK EXCHANGE OF PJ Towers INDIA LIMITED Dalal Street, Fort, Listing Department Mumbai 400 001 Exchange Plaza, 5 Floor, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051 Company Code No. 53159
Slide 2: Loan origination process
Loan origination process PRIVATE & CONFIDENTIAL 1
Slide 3: Agenda
Agenda About Capri Global Our Business Industry prospects Robust Loan Process
Slide 4: Capri Global – an overview
Capri Global – an overview A diversified Non-Banking Financial Company (NBFC) with presence across high growth segments like MSME, Construction Finance, Affordable Housing and Indirect Retail Lending segments Promoted by first generation entrepreneur, Mr. Rajesh Sharma, Capri Global Capital Limi
Slide 5: Capri Global Capital: Banking the Unbanked
Capri Global Capital : Banking the Unbanked 9MFY19 At A Glance CGCL Group AUM INR 3,682 Cr MSME AUM 14,500+ INR 1,822 Cr Live Accounts CF + IRL AUM INR 1,245 Cr 1,850+ CGCL AUM (Standalone) Employees INR 3,067 Cr 8 HL AUM States INR 615 Cr CGCL Disbursements 82 INR 1,335 Cr Branches PAT INR 86.8 Cr
Slide 6: Robust Governance & Risk Control Mechanism
Robust Governance & Risk Control Mechanism Regulator: RBI Board: Statutory Auditor: RMC and Audit committee Deloitte Independent Internal In-house Internal Auditor: Compliance Function Audit Function EY Multiple Checks and balances ensure stronger risk control 5
Slide 7: Employee Strength
Employee Strength Collection & Sales Credit Operations HR & Support Monitoring Headcount: 972 Headcount: 356 Headcount: 139 Headcount: 70 Headcount: 71 Technical Legal FCU Finance & Headcount: 59 Headcount: 24 Headcount: 23 Accounts + Empanelled + Empanelled + Empanelled Headcount: 29 Valuers Lawyer
Slide 8: Our Business
& Our Business Ld
Slide 9: Small Loans: Niche Capabilities
Small Loans: Niche Capabilities MSME Construction Finance Housing Finance Indirect Lending ~ 50 % of AUM ~ 31 % of AUM ~ 17 % of AUM <1 % of AUM • Focus on Tier II & III • Project outreach: • Affordable • NBFC Outreach: cities; Customer 144 housing • Financing to other outreach: ~9,000 • Key markets
Slide 10: Robust Loan process
Robust Loan process
Slide 11: Loan origination Process – A Snapshot
Loan origination Process – A Snapshot Business Credit Legal, technical Customer Operations Collection Origination Underwriting and FCU Service • DST Salesforce • Bureau check • Fraud check of • Pre-disbursal • Mandatory • Customer visits Documents/ Checks welcome call to on Bounce cases • Doorstep •
Slide 12: Credit underwriting - Process Flow
Credit underwriting- Process Flow Borrower Underwriting Disbursal Monitoring Acceptance Origination Team Legal & FCU / Operations/ Credit Team Operations (Direct/ Web) Technical Collections • Sales met • Borrower • Verification • Disbursement • Independent • Cheque customer(s) due Updation request b
Slide 13: Technical Valuation - Process Flow
Technical Valuation - Process Flow External Internal Vetting Internal Report Reporting by Technical Valuation Report Technical team Reports (non-APF) (APF) Internal Technical Reports when no Property Visit APF Checks Vendors Team Technical team • All reports in • Verify • Cheque • Only 1 Technical •
Slide 14: Legal Process Flow
Legal Process Flow Tracking Vendor Billing & Legal Initiation Legal and Merit Transaction & Vendor and Approval APF PDDs Empanelment Legal & Technical Legal Manager & External Lawyer Credit Team Vendor Team CPAs • Lawyer issues • Internal • APF master file • Purchase/ Resale/ • Vendor to • Legal ven
Slide 15: FCU Process Flow
FCU Process Flow Post Disbursal & Sampling and Trigger Based FCU Reports and Vendor Screening FCU Sampling Waivers Empanelment Checks Mandatory 100% FCU Credit / FCU FCU / Vendors Sampling • 100% Sampling • Technical, • FCU - • Credit to attach • Waiver/ PDD of • FCU Manager for Application OPP cond
Slide 16: Internal Controls Framework
Internal Controls Framework • Files & Docs review Co-sourced by • Title Docs review Internal team with • Process Review including Branch Process EY (External Auditor) Controls Visits • Transactions verification • Outsourcing review • Testing IFC controls • Network & Server Security review • Applicat
Slide 17: Technology Initiatives
Technology Initiatives • New LOS / Centralisation LMS (Indus • Application Platform) Scorecard • Regional • Mobility Processing Solution Units Automation Digitisation A positive impact on productivity and cost control A new generation cloud-based platform with rule engine and mobility modules being
Slide 18: Customer Profile
Customer Profile Sarvadnya Collection - Mobile Jai Shree Plastics - Plastic accessories and print services Trained Beautician manufacturing business enterprise Loan given INR 18 lakhs Loan given INR 30 lakhs Loan given INR 6 lakhs “I took a loan from Capri Global Capital and it “Our new home helped
Slide 19: Case Study: Sunil Kumar K Rajbhar – HL; Branch - Boisar
Case Study: Sunil Kumar K Rajbhar – HL ; Branch - Boisar Loan Sanctioned: Rs. 6.90 Lacs • The case is Builder flat purchase case. • The customer is BEMS (Bachelor of Electropathy Medicine and Surgery), operating his clinic at Borivali. • Surprise office and residential visit by RM • There was no ren
Slide 20: Case Study: SS Enterprises – MSME; Branch - Thane
Case Study: SS Enterprises – MSME ; Branch - Thane Loan Sanctioned: Rs. 14.50 Lacs • Proprietor of informal business having cash flows but no income documents. • Surprise property visit by RM & BM • Challenge was to ascertain his daily cash flows to assess his income along with nature of business. •
Slide 21: Rejected Case: Jayvant Bhoir; Branch - Thane
Rejected Case : Jayvant Bhoir ; Branch - Thane Loan Requested Rs. 12.00 Lacs • The Customer was engaged in supplying of drinking water canes business • The customer operate the business from his resident- cum office premises • Current business stability is one year which was not met as per our polic
Slide 22: Making A Difference: Flowering Human Ambitions
Making A Difference: Flowering Human Ambitions Kamlesh Chauhan: Loan Sanctioned: Rs. 10 Lacs • He is the proprietor of an informal business having cash flows having no income documents. He is a first time borrower with no credit history. • Challenge was in assessment of his daily cash flows to asses
Slide 23: Making A Difference: Nurturing Entrepreneurship
Making A Difference: Nurturing Entrepreneurship Jyoti Nai: Loan sanctioned - Rs. 14.00 Lacs • An individual operating a beauty parlor since 2010 from rental premises. • She is a first time borrower with no credit history. • She has 3 employees. Attendance register for employees were maintained and v
Slide 24: Making A Difference: Fuelling Dreams of Life
Making A Difference: Fuelling Dreams of Life Raghvendra Joshi : Loan sanctioned Rs.14.36 Lacs • An Auto rickshaw driver • The Credit Manager met at his rented residence to judge his standard of living • Mr Joshi also used to work as a driver for travel company. He was working there on Sundays and ho
Slide 25: Thank You Q&A
CAPRI GLOBAL ,-*), CAPITAL LIMITED ‘> Unlocking potentials, Empowering people THANK YOU Q&A
Slide 26: Appendix
Appendix
Slide 27: Wide Branch Network
Wide Branch Network Gujarat Madhya Pradesh Rest of Maharashtra Rajasthan Delhi NCR Mumbai Punjab & Haryana Karnataka AHMEDABAD RAIPUR AHMEDNAGAR AJMER NSP ANDHERI LUDHIANA Bengaluru ANAND AGAR MALWA AKOLA ALWAR OKHLA Asangaon / Shahpur AMBALA Total Branches - 1 BHARUCH BHOPAL AMRAVATI BHILWARA PUSA
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