Shalibhadra Finance Limited · NSE:SAHLIBHFI
Shalibhadra Finance — Q3 FY2018 Earnings Presentation
15 slides from Shalibhadra Finance's earnings presentation, Feb 12, 2018
Slide 1: Cover letter to BSE for investor presentation
a uaihs Date: 12/02/2018 To, The Manager BSE Limited Phiroze J eejeeboy Towers, Dalal Street, Fort, Mumbai 400 001 Scrip Code: 511754 Sub: Investor Presentation for the Quarter ended December 31, 2017 Dear Sir/Madam, Please find enclosed herewith Investor Presentation for the Quarter ended December
Slide 2: Corporate Presentation Q3 FY18
CORPORATE PRESENTATION FINANCE LIMITED Q3 FY 18 fulfilling dreams
Slide 3: Company Overview
COMPANY OVERVIEW
Slide 4: Company at a Glance
COMPANY AT A GLANCE FINANCE LIMITED • AUM of 84.25 crores • Over 64,000 Active loan accounts • Network of 31 branch offices • Presence in 25 districts in 3 states • Staff strength of over 115 employees • Market Capitalisation of ~ 83 Crores Note: Figures as on 31st Dec, 2017 3
Slide 5: Journey So Far
JOURNEY SO FAR FINANCE LIMITED FY 2018 – Branches crosses 30 FY 2017 – Started Operations in MP FY 2015 - Obtained BBB-(Stable) Rating from ICRA FY 2011 - AUM crosses 25 crores FY 2005 - First branch in Maharashtra FY 1995 - Started operations in Gujarat 4
Slide 6: Shalibhadra DNA
SHALIBHADRA DNA FINANCE LIMITED Robust Credit assessment Leveraging Flexible repayment technology options Rural Customer Relationship based base Quick Disbursement recovery Strong Workforce 5
Slide 7: Product Portfolio
PRODUCT PORTFOLIO FINANCE LIMITED Portfolio New Two wheeler Loan against Old two Loan against Old 3 / 4 Loans wheelers wheelers Tenure upto 30 months Tenure upto 24 months Tenure upto 30 months with Average ticket size of with Average ticket size of with Average ticket size of Rs. 45,000 Rs. 25,000
Slide 8: Strong Financial Track Record
STRONG FINANCIAL TRACK RECORD FINANCE LIMITED (Rs. In lakhs) Particulars FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 P&L Metrics Total Income 823 1,005 1,058 1,250 1,301 1,564 Profit Before Tax 341 448 479 587 546 649 Profit After Tax 216 283 301 379 346 430 EPS (Rs.) 4.31 5.65 6.01 7.58 6.91 8.60 Balance S
Slide 9: Well Capitalized Balance Sheet
WELL CAPITALIZED BALANCE SHEET FINANCE LIMITED Particulars FY 15 FY 16 FY 17 Tier I CAR (%) 37.9% 39.9% 35.8% Tier II CAR (%) 0% 0% 0% Overall CAR 37.9% 39.9% 35.8% Capital Adequacy Ratio at 35.8% as on March 31, 2017 vs. 15% mandated by RBI 8
Slide 10: Recent Performance
RECENT PERFORMANCE
Slide 11: Q3 FY18 vs. Q3 FY17
Q3 FY18 vs. Q3 FY17 FINANCE LIMITED Q3 FY18 84.25 Crores AUM 34% Q3 FY17 62.7 Crores Q3 FY18 4.97 Crores Revenue 26% Q3 FY17 3.94 Crores Net Interest Q3 FY18 3.26 Crores 18% Income Q3 FY17 2.77 Crores Q3 FY18 1.41 Crores PAT 26% Q3 FY17 1.12 Crores 10
Slide 12: Performance Highlights - Quarter Ended Dec 2017
PERFORMANCE HIGHLIGHTS - QUARTER ENDED DEC 2017 FINANCE LIMITED (Rs in Lakhs) Quarter Ended Growth % Particulars Dec-16 Sep-17 Dec-17 YOY QOQ Asset Under Management 6,270 7,865 8,425 34% 7% Income from Operations 394 454 497 26% 9% (-) Interest Expense 117 143 171 46% 19% Net Interest Income 277 310
Slide 13: Performance Highlights - 9 Months Ended Dec 2017
PERFORMANCE HIGHLIGHTS - 9 MONTHS ENDED DEC 2017 FINANCE LIMITED (Rs in Lakhs) 9 months Ended Growth Particulars Dec-16 Dec-17 % YOY Asset Under Management 6,270 8,425 34% Income from Operations 1,115 1,372 23% (-) Interest Expense 321 454 41% Net Interest Income 793 918 16% (-) Personnel expenses 8
Slide 14: Analysis on Average AUM
ANALYSIS ON AVERAGE AUM FINANCE LIMITED Quarter Ended* 9 months ended* Particulars Dec-16 Sep-17 Dec-17 Dec-16 Dec-17 Income from Operations 26.4% 24% 24.4% 25.8% 24% (-) Interest Expense 7.8% 7.6% 8.4% 7.4% 7.9% Net Interest Income 18.5% 16.4% 16% 18.4% 16% (-) Personnel expenses 2.2% 2.2% 2.5% 2%
Slide 15: Thank You
Shalibhadra FINANCE LIMITED \ yy. THANK YOU
Shalibhadra Finance — Q3 FY2018 Earnings Presentation on 6ix