Akme Fintrade (india) Limited · NSE:AFIL
Akme Fintrade (india) — Q3 FY25 Earnings Presentation
27 slides from Akme Fintrade (india)'s earnings presentation, Feb 8, 2025
Slide 1: Cover letter to stock exchanges
Date: 08th February, 2025 Na onal Stock Exchange of BSE Limited India Limited (NSE) Phiroze JeejeeBhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai – 400 001 Bandra, Mumbai – 400 051 Scrip Code: 544200 Symbol: AFIL Subject: Investor Presenta on for the Quarter/Nin
Slide 2: Q3 & 9M FY25 Investor Presentation
Q3 & 9M FY25 Investor Presentation
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by Akme Fintrade (India) Limited (the “Company” or “Akme” or “AFL”) solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on
Slide 4: Performance At a glance
TH) Performance ™! At a glance
Slide 5: Q3 & 9MFY25
Q3 & 9MFY25 Scale of Distribution Granular Book Asset Quality Liability Profile Liability Profile Operations 523.38 Cr 28 100% Secured 2.86% 18 ₹ 26.69 Crs AUM in Q3 FY25 Number of Branches Loan Book 9MFY25 Lender relationships PAT for 9MFY25 33.49% growth Y-o-Y Gross Stage 3 Assets 109.74% growth Y
Slide 6: Company Overview
Company E Overview
Slide 7: Company Overview
Company Overview SCALE ASSET PROFILE CREDIT QUALITY LIABILITY PROFILE PROFITABILITY 523 CR+ 523 CR+ 2.86% 240 CR+ Return on average Total AUM Secured GNPA Borrowings asset 6.41%* (*annualised) BBB + Stable 28 Branches 30 + Points of Sales 1.27% NNPA 11.63%* RoAE Rating on Long term Instrument (*annu
Slide 8: Aasaan Loans – Leadership
Aasaan Loans – Leadership Mr. Nirmal Kumar Jain Mr. Akash Jain Ms. Rajni Gehlot Mr. Shiv Prakash Shrimali CMD Chief Executive Officer Chief Financial Officer Chief Operating Officer Mr. Nirmal Kumar Jain, a seasoned With over 20 years of experience, a Ms. Rajni Gehlot, a qualified Chartered With ove
Slide 9: Stewarding Growth: Aasaan Loans Team
Stewarding Growth: Aasaan Loans Team Mr. Suresh Chandra Gupta |Chief Risk Officer Mr. Rajendra Chittora | Executive Director Retired Senior Bank Manager with 36+ years' experience, excelled as Head of Credit Department. Expertise in legal matters, court cases, He is a qualified Executive Director wi
Slide 10: Aspirations in Actions Aasaan loans
Aspirations in Actions Aasaan loans MISSION VISION To empower people via financial inclusion & To be ideal online platform where everyone is able to understanding, helping them to make sound get fast monetary assistance & unique solutions to their borrowing decisions financial requirements Core Valu
Slide 11: Akme Fintrade (India) Limited Journey: Key Events and Milestones
Akme Fintrade (India) Limited Journey : Key Events and Milestones Year 1996 Year 2023 Ideation & Company formation in Rajasthan Year 2021 • Formally inducted professional KMPs to drive Year 2015 - 2016 Effectively managed loan portfolio Business and inducted 3 senior bankers and Year 1997 • Achieved
Slide 12: India's Loan Sector: Opportunities and Growth Trends
India's Loan Sector : Opportunities and Growth Trends Total Loan Mortgage Loan Personal Loan • Significant opportunities exist for the Company to expand its presence in rural banking, given the large underbanked population and rising incomes in these areas. • Aligning offerings with government finan
Slide 13: Target Group & Products
Target Group & Products Credit Exposure (As of December 2024): ₹165.64 Cr (31.60 % of total Exposer) Customer Profile: Transport operators | Small businesses | Self-employed | Salaried individuals Medium and small fleet operators (LCVs), Small Business Owners Vehicle Finance (HCVs) Asset Financing:
Slide 14: Aasaan Loans Products
Aasaan Loans Products Aasaan Vehicle Aasaan Aasaan Loan Aasaan Aasaan Mahila Loan Saral Udyog Loan Against Property Farm Equipment Loan Udyog Loan On-road finance for new and Secured loans against Secured loans to meet Convenient financing for Empowering financial used two, three and four property f
Slide 15: Our Extensive Network
Our Extensive Network Registered Office : Udaipur, Rajasthan. Corporate Office : Mumbai, Maharashtra 4 States 267 Staff Members Our Extensive Network 28 Branches 30 + Points of Presence Rajasthan 2,00,000+ Customers Served Gujarat Madhya Pradesh Maharashtra Points of Presence Rajasthan Maharashtra M
Slide 16: Business Operations
Business Operations Enterprise Wide Integration Hub and Spoke Model Loan management system : Integrated Retail Operations : Conducted through registered platform for all activities and functions office in Udaipur, Rajasthan. Branch Network : 14 branches in Rajasthan, 3 in Efficiencies : streamlining
Slide 17: Lending Operations
Lending Operations Screening Evaluation Approval Scanning & Monitoring Loan Origination Preparation of initial Preparation of final Preparation of credit memorandum credit memorandum transaction documents Discussion between of our business teams Preparation of Review Execution proposal to corporate
Slide 18: Strengths
Strengths Proven Execution Capabilities in Well-Established Vehicle Finance Rural and Semi-Urban Geographies and Small Business Lending Stable and Experienced Stable and Experienced Management Team Management Team Hub and Spoke Business Model Robust Underwriting Process for Efficiency COMPETITIVE an
Slide 19: Financial Overview
Financial 4 Overview
Slide 20: Key Financial Highlights
Key Financial Highlights Disbursement product wise AUM Product wise 80 69.7 68.96 100.00% 58.2 78.30% 78.70% 78.94% 60 80.00% 41.8 60.00% 40 30.3 30.97 40.00% 21.70% 21.20% 21.06% 20 20.00% 0 0.00% FY 22 FY23 FY 24 FY 22 FY23 FY 24 SME/LAP Vehical Loans SME/LAP Vehical Loans 3 60.00% 2.46 51.19% 49.
Slide 21: Key Financial Highlights
Key Financial Highlights GNPA (%) NNPA(%) Net Interest Margin 6 12.00% 10.92% 5 10.01% 4.9 10.00% 4.57 8.06% 7.92% 4 4.06 8.00% 3.57 3.44 3.63 3 6.00% 2.97 4.00% 2 1.74 2.00% 1 0.00% FY 21 FY22 FY 23 FY 24 0 FY 21 FY 22 FY 23 FY 24 250 223.24 5.00% 204.71 4.25% 200 4.00% 3.80% 3.44% 150 130.26 137.8
Slide 22: Key Financial Highlights Q3FY25
Key Financial Highlights Q3FY25 Profit and Loss Statement ₹ in Crore Profit & Loss for the Period Q3FY25 Q3FY24 Y-o-Y (%) Q2FY25 Q-o-Q (%) Interest Income 26.95 18.91 42.54% 23.59 14.25% Interest Expense 8.78 7.60 15.52% 7.57 15.90% Other Operating Income 1.14 1.01 13.41% 0.43 165.77% Total Income 1
Slide 23: Key Financial Highlights 9MFY25
Key Financial Highlights 9MFY25 Profit and Loss Statement ₹ in Crore Profit & Loss for the Period 9MFY25 9MFY24 Y-o-Y (%) Interest Income 69.74 50.77 37.36% Interest Expense 24.55 20.64 18.94% Other Operating Income 3.71 2.67 38.95% Total Income 48.89 32.81 49.01% Impairment of Financial Instruments
Slide 24: Key Financial Highlights
Key Financial Highlights Balance Sheet Summary ₹ in Crore Balance Sheet as of 31st Dec 2024 31st Dec 2023 Loan Assets 495.18 379.46 Other Assets 122.00 38.43 Total Assets 617.18 417.89 Borrowings 243.15 195.19 Other Liabilities 8.21 5.76 Total Liabilities 251.36 200.95 Total Equities 365.82 216.94
Slide 25: Strategic Focus Areas
St rategic Focus Areas Product Diversification and Technology integration Focus on Small Business owners Cross – Selling Opportunities for Business Growth and Self- Employed individuals Leveraging Network : Utilizing branch Automated Systems: Upgrading technology for Market Focus : targeting emergin
Slide 26: Forward Focus: Navigating Towards Success
Forward Focus : Nav igating Towards Success 1 2 3 Tailored credit solutions & Cutting-edge technology Customer-centric ethos financial empowerment & data analytics driving fostering trust & loyalty to drive lower for untapped rural & semi-urban markets strategic insights cost of customer acquisition
Slide 27: Thank You
THANK YOU AKME FINTRADE (INDIA) LTD Investor Relations Advisors: Mr. Manoj Chobisa ADFACTORS PR PVT. LTD. Company Secretary and Compliance Officer Mr. Aditya Tikare / Mr. Bhavya Aggarwal aditya.tikare@adfactorspr.com / bhavya.Aggarwal@adfactorspr.com | cs@aasaanloans.com | https://aasaanloans.com/ w
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