Jio Financial Services Limited · NSE:JIOFIN
Jio Financial Services — Q4 FY25 & FY25 Earnings Presentation
23 slides from Jio Financial Services's earnings presentation, Apr 17, 2025
Slide 1: Exchange filing cover letter for analyst presentation
April 17, 2025 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Plot No. C/1, G Block, Bandra-Kurla Complex, Mumbai 400 001 Bandra (East), Mumbai 400 051 Scrip Code: 543940 Trading Symbol: JIOFIN Dear Sirs, Sub: Presentation to ana
Slide 2: Q4 FY25 & FY25 Earnings Presentation
Q4 FY25 & FY25 Earnings Presentation April 17, 2025 Jio Financial Services Limited
Slide 3: Safe Harbor
Safe Harbor This presentation contains forward-looking statements which may be identified by their use of words like “plans,” “expects,” “will,” “anticipates,” “believes,” “intends,” “projects,” “estimates” or other words of similar meaning. All statements that address expectations or projections ab
Slide 4: Performance Metrics Reflect Strong Execution in FY2025
Performance Metrics Reflect Strong Execution in FY2025 Lending and Leasing Protect Jio Finance Limited (JFL) Jio Insurance Broking Limited (JIBL) • AUM at Rs. 10,053Cr (vs. Rs 173Cr as • Expanding Supply: 34 insurance of March 31, 2024) partners; 61 direct-to-customer plans • Refining customer journ
Slide 5: Products: Diversified suite of offerings for #GenAll (1/5)
Products: Diversified suite of offerings for #GenAll (1/5) Borrow Transact • Home Loan (including BT) • UPI and Bill Payments • Loan against Property • CASA with debit cards (including BT) • UPI International • Loan against Mutual Funds • Biometric-enabled payments • Loan against Shares • Split Paym
Slide 6: Distribution: Digital and Physical Expansion Underway (2/5)
Distribution: Digital and Physical Expansion Underway (2/5) Digital Physical JioFinance app launched in Q1 FY25 and Leveraging group ecosystem distributors for integrated with MyJio in Q2 FY25 retail lending products Marketing tie-up in place to leverage group’s JFL expanded physical presence to 10
Slide 7: Current Focus on Mass-Affluent and above customers
Current Focus on Mass-Affluent and above customers Insurance Payment Payments Lending Broking Solutions Bank AMC* Wealth* Broking* (JFL) (JIBL) (JPSL) (JPBL) HNI/ UHNI ✓ ✓ ✓ ✓ ✓ ✓ ✓ (>Rs 100L) Affluent ✓ ✓ ✓ ✓ ✓ ✓ ✓ (Rs25L-100L) Mass Affluent ✓ ✓ ✓ ✓ ✓ ✓ ✓ (Rs7L-25L) Mass Market (Rs2.5L-7L) ✓ ✓ ✓ ✓
Slide 8: Technology: Best-in-class and cost effective (3/5)
Technology: Best-in-class and cost effective (3/5) Fit-for-Purpose Straight SaaS-first, • Open-source technology driving agility in through open standards & evolving digital landscape and market dynamics processing interoperability • Implemented end-to-end origination and core lending systems for JF
Slide 9: Data Intelligence: Right Product to the Right Customer via the Right Channel
Data Intelligence: Right Product to the Right Customer via the Right Channel at the Right time (4/5) Infrastructure Strategic Layer Outcomes • Credit Bureau • Predictive analytics • Account Aggregator • Specialized AI Agents • Alternate Data (incl. • Business Intelligence • Precise targeting group e
Slide 10: People: Diverse Talent Pool (5/5)
People: Diverse Talent Pool (5/5) Execution • Senior leadership with vast BFSI experience Excellence • Agile organization structure • Strong team of 1,000+ employees across JFSL group JFSL’s Ownership Talent Mindset DNA • Strategic talent mix from Banks, NBFCs and fintechs • Strong brand, preferred
Slide 11: Lending & Leasing – Jio Finance Limited
Lending & Leasing – Jio Finance Limited AUM (Rs Cr) Distribution 10,053 • Physical presence expanded to 10 Tier-1 cities • Expanding external GTM channels for Home Loans & LAP 4,199 • Increased partnerships with wealth management 1,206 companies & banks for LAS and LAMF 30-Sep-24 31-Dec-24 31-Mar-25
Slide 12: Payments – Jio Payments Bank Limited
Payments – Jio Payments Bank Limited CASA Customers (mn) Deposits* (Rs Cr) Business Correspondent Network 2.31 295 14,291 0.76 88 2,300 FY24 FY25 FY24 FY25 FY24 FY25 Target Customer and Value Proposition Product Portfolio Urban: Secondary account to declutter the primary CASA variants including Phys
Slide 13: Payments – Jio Payment Solutions Limited
Payments – Jio Payment Solutions Limited Product Portfolio Comprehensive suite of Retail Payment devices Payment gateway offerings incl. split Online payments, autopay, etc. Instore/ JioBharat, Static QR, Biller Centre, Dynamic Offline QR standee, JioPay Voicebox Last mile, cash-on-delivery payment
Slide 14: Investment – JVs with BlackRock
Investment – JVs with BlackRock Asset Management • Asset management company files application for final approval • Senior leadership and core business teams in place • Development of unified investment platform and infra deployment completed • Ready to launch with a defined product roadmap and go-to
Slide 15: Focus on cross-sell and up-sell
Focus on cross-sell and up-sell Driving stickiness with bank Home Loan products, Loan Payments Bank & Secured account and engagement with against Property, Loan against Payment Solutions Lending payments app Securities and Mutual Funds Asset management, Insurance Direct-to-customer plans Investments
Slide 16: Financial Overview
FINANCIAL OVERVIEW veces
Slide 17: Group Structure
Group Structure JFSL is a publicly-listed entity Jio Financial Services Ltd (JFSL) (CIC) and acts as the holding company for the group 100% 100% 100% 100% 100% 100% Jio Payment Reliance Industrial Jio Finance Limited Jio Leasing Services Jio Insurance Broking Jio Finance Platform Solutions Limited I
Slide 18: Statement of Profit and Loss – Consolidated
Statement of Profit and Loss – Consolidated Particulars (in Rs. crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Interest income 281 210 276 938 853 Dividend income - - - 217 241 Fees and commission income 31 37 39 152 155 Net gain on fair value changes 106 191 178 547 794 Other Income 0 11 25 1 36 Total In
Slide 19: Balance Sheet – Consolidated
Balance Sheet – Consolidated Particulars (in Rs. crore) As on Mar 31, 2024 As on Mar 31, 2025 Assets Cash & Bank Balances 10,960 4,072 Investments 1,33,292 1,18,910 Loans 173 10,053 Other assets 438 475 Total assets 1,44,863 1,33,510 Liabilities Net worth 1,39,148 1,23,497 Equity share capital 6,353
Slide 20: Statement of Profit and Loss – Standalone
Statement of Profit and Loss – Standalone Particulars (in Rs. crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Interest income 87 16 42 382 117 Dividend income - - - - 235 Fees and commission 2 - 3 2 6 Net gain on fair value changes 52 121 107 255 447 Other Income - 11 23 - 34 Total Income 141 148 175 639 8
Slide 21: Balance Sheet - Standalone
Balance Sheet - Standalone Particulars (in Rs. crore) As on Mar 31, 2024 As on Mar 31, 2025 Assets Cash & Bank Balances 4,590 558 Investments 19,720 22,706 Loans 92 1,748 Other assets 72 84 Total assets 24,474 25,096 Liabilities Net worth 24,437 24,985 Equity share capital 6,353 6,353 Other Equity 1
Slide 22: Our Principles – 4Rs
Our Principles – 4Rs Operate within the Reputation regulatory framework Return of Ensure fair return to with best-in-class Capital shareholders and other governance standards stakeholders Set the highest ethical Ensure prudent capital standards across Regulation deployment in businesses Return on or
Slide 23: Thank You
THANK YOU
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