Sundaram Finance Limited · NSE:SUNDARMFIN
Sundaram Finance — 9MFY20 Earnings Presentation
16 slides from Sundaram Finance's earnings presentation, Feb 11, 2020
Slide 1: Performance Highlights 9MFY20
PERFORMANCE HIGHLIGHTS 9MFY20
Slide 2: Disbursements and AUM
Disbursements and AUM ₹ in Crore % Growth Disbursements AUM 4.9% -3.9% 13000 35000 14.4% 8.5% 11000 31000 12739 12246 27000 9000 23000 7000 28114 30502 19000 5000 15000 3000 11000 9MFY19 9MFY20 31-Dec-2018 31-Dec-2019 AUM - Assets Under Management
Slide 3: Disbursements by asset and region
Disbursements 5.5% 4.7% 4.9% 9MFY19 6.6% 9MFY20 10.9% Asset wise 10.9% ₹ 12739 Cr. 52.8% ₹ 12246 Cr. 52.0% 26.1% 25.6% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 3.7% 4.0% 11.7% Region wise 12.3% 19.3% ₹ 12739 Cr. 21.0% ₹ 12246 Cr. 62.7% 65.3% Sou
Slide 4: AUM by asset and region
AUM 5.3% 5.0% 5.9% 31-Dec-2018 5.8% 31-Dec-2019 9.3% Asset wise 10.1% ₹ 28114 Cr. 52.7% ₹ 30502 Cr. 52.6% 27.7% 25.6% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 3.6% 3.7% 12.5% Region wise 12.5% 18.7% ₹ 28114 Cr. 19.6% ₹ 30502 Cr. 64.2% 65.2% Sout
Slide 5: Funding Mix
Funding Mix 50.0% Total 31-Dec-2018 31-Mar-2019 31-Dec-2019 43.9% 45.0% Borrowing ₹ 26788 Cr. ₹ 26673 Cr. ₹ 29206 Cr. 39.3% 39.2% 40.0% 35.0% 30.0% 25.5% 24.1% 25.0% 20.1% 20.4% 20.0% 17.3% 15.6% 15.0% 11.6%12.7% 11.0% 10.5% 10.0% 5.5% 5.0% 3.3% 0.0% Debentures Securitisation Bank Deposits Commercia
Slide 6: Profit & Loss Statement
Profit & Loss Statement ₹ in Cr. FY19 Particulars 9MFY20 9MFY19 3285.98 Revenue From Operations 2873.14 2411.51 20.56Other Income 73.23 13.13 3306.54Total Revenue 2946.37 2424.64 1766.47Finance cost 1556.39 1288.91 537.45Operating expenses 439.72 399.29 107.33 Impairment on financial instruments 170
Slide 7: Balance Sheet
Balance Sheet ₹ in Cr. 31-Mar-2019Particulars 31-Dec-2019 31-Dec-2018 EQUITY AND LIABILITIES 25530.90 Financial Liabilities 27811.21 25143.17 74.46Non Financial Liabilities 64.50 63.25 5043.81Equity 5536.94 4433.06 30649.18Total - EQUITY AND LIABILITIES 33412.65 29639.48 ASSETS 30081.43Financial Ass
Slide 8: Key Ratios
Key Ratios Net worth (₹ in Cr.) Book value per share (₹) Debt Equity CRAR 6.0 19.4% 20.0% 6500 550 498 19.0% 17.6% 5500 454 500 5.0 17.0% 18.0% 399 17.0% 4500 450 4.0 16.0% 3500 400 15.0% 5.6 5537 3.0 5.0 4.9 14.0% 5044 2500 4433 350 13.0% 2.0 12.0% 1500 300 11.0% 500 250 1.0 10.0% 31-Dec-2018 31-Ma
Slide 9: Portfolio Quality
Portfolio Quality Gross NPA % Net NPA % 3.50% 3.00% 2.79% 2.50% 2.09% 2.00% 1.90% 1.38% 1.33% 1.50% 1.00% 0.83% 0.50% 0.00% 31-Dec-2018 31-Mar-2019 31-Dec-2019 Gross & Net NPA corresponds to stage 3 assets, calculated as per Expected Credit Loss model under Ind AS.
Slide 10: Branch Network
Branch Network No. of Branches : 668 (PY 9M : 654) 31-Dec-2019 No. of Employees : 4229 (PY 9M: 4050) 67 42 169 390 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 Associates (SFHL) Sundaram Asset Management Company Limited Axles India Limited Sundaram Asset Management Singapore Pte. L
Slide 12: Consolidated Results
Consolidated Results ₹ in Cr. PAT 1000 765 * 800 582 596 600 400 200 Net Worth 0 7000 6585 9MFY19 FY19 9MFY20 6259 5968 EPS (₹) 52.83 69.47 54.09 6000 5000 * Excludes Exceptional item (sale of stake in Royal Sundaram General Insurance Co. Limited (RSGI) to Ageas Insurance International N.V ,The 4000
Slide 13: Sundaram Home Finance
Sundaram Home Finance ₹ in Cr. FY19 Particulars 9MFY20 9MFY19 2449Disbursements 1723 1822 69% -Housing 69% 68% 31% -Non-Housing 31% 32% 9064AUM 9507 8866 70% -Housing 70% 69% 30% -Non-Housing 30% 31% 146PAT 136 120 14.37EPS (₹) *17.94 *15.77 1252Net worth 1330 1226 123.66Book Value (₹) 131.41 121.09
Slide 14: Royal Sundaram
Royal Sundaram ` in Cr. FY19Particulars 9MFY20 9MFY19 3196Gross Written Premium 2813 2458 113PAT * (12) 80 1102Net worth 1085 1058 108.1%Combined Operating Ratio 113.6% 108.1% 2105Employees 2331 2092 * For the nine months ended 31st Dec 2019, the company has provided ₹ 64.12 Cr. (net of tax) towards
Slide 15: Sundaram Asset Management
Sundaram Asset Management ₹ in Cr. FY19Particulars 9MFY20 9MFY19 35656Average AUM 36222 36032 22603 -Equity 24581 22503 13053 -Debt 11641 13529 29PAT 22 18 198Net worth 203 187 354Employees 364 361 11,87,512Retail Investors 10,57,470 11,79,781
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