Can Fin Homes Ltd. · NSE:CANFINHOME
Can Fin Homes — Q3 FY2022 Earnings Presentation
20 slides from Can Fin Homes's earnings presentation, Jan 25, 2022
Slide 1: Submission of Investor Presentation - Post Q3 FY22 results
CAN FIN HOMES LTD Registered Office No. 29/1, 1st Floor, Sir M N Krishna Rao Road Basavanagudi, BENGALURU - 560 004 Can Fin Hanes Ltd E-mail: compsec(g)canfinhomes.com (Sponsor: c*.na.ra. bank.) Tel: 080 48536192; Fax :080 26565746 HOME LOANS Web: www.canfinhomes.com rJrans/a/incj Dreams in/o lie a/
Slide 2: Investor Presentation 3QFY22 ended December 2021
Investor Presentation 3QFY22 ended December 2021 34 years of vision, passion and progress Offering home loans since 1987….. and it is just a beginning January 2022
Slide 3: Legacy, Focus, Reach, Financials, Vision
Legacy Focus Reach Financials Vision • 34 year old • To promote home • Headquartered in • Last Five Year O/s • To increase lending institution registered ownership across Bangalore Growth /CAGR to new home as a deposit taking India, with a motto (Mar.16 ~ Mar.21) aspirants, enhance HFC with NHB of f
Slide 4: Four strategic pillars: Growth, Asset Quality, Profitability and Liquidity
Focusing on our four strategic pillars - Growth, Asset Quality, Profitability and Liquidity, we continue to follow prudent lending practices. We look ahead with renewed hope and enthusiasm as we maintain our credo of friendship finance and be a reliable housing finance partner for people from all se
Slide 5: Board of Directors
Managing Director & CEO Director (Independent) Chairman (Promoter) Director (Promoter) Managing Director & CEO, Canara Bank Dy. Managing Director Additional Director Director (Independent) Director (Promoter) (Independent) www.canfinhomes.com 4
Slide 6: Digital focus areas
In order to ensure uninterrupted services to our customers, even during challenging times like today, we leveraged various advanced digital tools and technologies. These enabled us to reach more customers, across the length and breadth of the country, improve our efficiency and tide through challeng
Slide 7: Quarterly highlights Q1, Q2, Q3
Q1 Q2 Q3 • Disbursement 894 Crs • Disbursement 2208 Crs • Disbursement 2472 Crs • Outstanding 22221 Crs • Outstanding 23584 Crs • Outstanding 25091 Crs • NII: Rs.181.16 Cr, • NII: Rs.191.78 Cr, • NII: Rs.205.92 Cr, • PBT: Rs. 152.54 Cr and • PBT: Rs. 169.04 Cr and • PBT: Rs. 172.02 Cr and PAT: Rs. 1
Slide 8: Sequential performance
Amount in Rs. Crore Sequential Sl. Particulars No. Dec’21 (3m) Sep’21 (3m) Growth% 1 New Approvals 2762 2288 20% 2 Disbursements 2472 2208 12% 3 Outstanding Loan Book 25091 23584 6% 4 Net Interest Income 205.93 191.78 7% 5 Operating Profit 172.03 162.84 6% 6 Provision for Std Asset 10.97 (7.47) 7 Pr
Slide 9: Quarter on Quarter
Amount in Rs. Crore Quarter on Quarter Sl. Particulars No. Dec’21 (3m) Dec’20 (3m) Growth% 1 New Approvals 2762 1256 120% 2 Disbursements 2472 1106 123% 3 Outstanding Loan Book 25091 21004 19% 4 Net Interest Income 205.93 210 (2%) 5 Operating Profit 172.03 179.10 (4%) 6 Provision for Std Asset 10.97
Slide 10: Year on Year
Amount in Rs. Crore Year on Year Sl. Particulars No. Dec’21 (9m) Dec’20 (9m) Growth% 1 New Approvals 5879 2371 148% 2 Disbursements 5573 2331 139% 3 Outstanding Loan Book 25091 21004 19% 4 Net Interest Income 578.87 612.23 (5%) 5 Operating Profit 487.42 536.44 (9%) 6 Provision for Std Asset 4.12 50.
Slide 11: Key ratios: Dec'21 vs Sep'21
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Dec’21 (3m) Sep’21 (3m) 1 Return on Avg Assets (Annualised) 2.04% 2.08% 2 Return on Avg Equity (Annualised) 15.83% 16.43% 3 Earning Per Share (Rs.) 8.69 9.29 4 Net Interest Margin (%) 3.74% 3.53% 5 Yield (%) 8.05% 7.99% 6 Cost (%) 5.56% 5.57% 7 Sp
Slide 12: Key ratios: Dec'21 vs Dec'20 (3m)
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Dec’21 (3m) Dec’20 (3m) 1 Return on Avg Assets (Annualised) 2.04% 2.54% 2 Return on Avg Equity (Annualised) 15.83% 21.10% 3 Earning Per Share (Rs.) 8.69 9.91 4 Net Interest Margin (%) 3.74% 4.12% 5 Yield (%) 8.05% 9.78% 6 Cost (%) 5.56% 6.87% 7 Sp
Slide 13: Key ratios: Dec'21 vs Dec'20 (9m)
Amount in Rs. Crore Sl. PERIOD ENDED Particulars No. Dec’21 (9m) Dec’20 (9m) 1 Return on Avg Assets (Annualised) 2.04% 2.27% 2 Return on Avg Equity (Annualised) 15.83% 18.85% 3 Earning Per Share (Rs.) 26.15 26.55 4 Net Interest Margin (%) 3.48% 3.97% 5 Yield (%) 8.05% 9.78% 6 Cost (%) 5.56% 6.87% 7
Slide 14: Category-wise product-wise distribution of loan book
CATEGORY-WISE PRODUCT-WISE DISTRIBUTION OF LOAN BOOK Amount in Rs. Crore Sl. Sept-20 Dec-20 Mar-21 Sep-21 Dec-21 Particulars No. O/s Amt. O/s Amt. O/s Amt. O/s Amt. O/s Amt. 1 Salaried & Professionals i) Housing Loans 13750 14013 14920 16124 17132 ii) Top-up Personal Loans 483 499 553 625 699 iii) M
Slide 15: Funding mix Sep 2021 and Dec 2021
Funding Mix @ Dec 2021 (as %) Funding Mix @ Sep 2021 (as %) 2% 2% 15% 17% 50% 7% 53% 7% 23% 24% Banks NHB NCD CP DEP Banks NHB NCD CP DEP . Cost of borrowings at 5.56% (vs 5.57% in Sep 21 & 6.87% in Dec’20) www.canfinhomes.com 14
Slide 16: Spread, Yield, Cost
Yield (%) Spread (%) Cost (%) 2.49% 5.66% 8.06% 8.05% 2.42% 2.40% 5.57% 7.99% 5.56% Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 Q1 Q2 Q3 www.canfinhomes.com 15
Slide 17: Gross NPA & Net NPA, PCR
Gross NPA & Net NPA (%) PCR (Rs.) 0.57 45% 0.47 40% 0.39 36% 0.9 0.78 0.71 Q1 Q2 Q3 Q1 Q2 Q3 GNPA Net NPA Q1 Q2 Q3 www.canfinhomes.com 16
Slide 18: Branches and satellite offices
(187 BRANCHES + 13 SATELLITE OFFICES) • Punjab – Jalandhar • Odisha – Bhubaneshwar, • Telangana – Hyderabad (10 Berhampur, Jharsuguda branches), Siddipet, Warangal, • Chandigarh Karimnagar, Khammam, • Bihar – Patna Mancherial, Nizamabad • Rajasthan – Alwar, Jaipur, Mansarovar, Kota, Udaipur, • Tamil
Slide 19: Covid-19 update
Covid-19: The COVID-19 pandemic has spread On Liquidity and debt servicing: The Company rapidly throughout the world and has had an has enough liquidity and sufficient unavailed impact on almost all entities either directly or sanctioned limits from banks and financial indirectly. WHO has declared C
Slide 20: Thank You
THANK YOU The forward looking statements and projections, if any, contained in this presentation are predictions and involve known and unknown risks, uncertainties and other factors including the future changes or developments, the competitive environment, ability to implement the strategies and ini