Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN

Cholamandalam Investment And Finance — Shareholder Meeting (March 2013)

15 slides from Cholamandalam Investment And Finance's shareholder meeting presentation, March 2013

  1. Slide 1: Cholamandalam Investment and Finance Company Limited 35th Annual General Meeting 2013

    Cholamandalam Investment and Finance Company Limited 35th Annual General Meeting 2013 1

  2. Slide 2: Executive Summary – FY-13 Vs FY-12

    Executive Summary – FY -13 Vs FY - 12 • Disbursements grew from Rs.8889 Cr. to Rs.12118 Cr. – 36% Growth • Assets Under Management grew by 41% to Rs.18999 Cr. compared to Rs. 13470 Cr. as on March 12 • Profit before tax have grown from Rs.290.11 Cr. to Rs.450.80 Cr. – Growth of 55% • Retained Asset

  3. Slide 3: Key Initiatives – FY-13

    Key Initiatives – FY -13 • Launch of Learning Centre in Chennai to train the managers. • Several employee engagement programs like connect forums, dialogue with HR Head and hire assimilation. • Mobile based applications was launched to improve sales / collection productivity of our field staff. • MI

  4. Slide 4: Strong Geographical Presence

    Strong Geographical Presence Rapid Growth in Branch Network 518 Himachal 375 Punjab Pradesh (4) (25) Uttaranchal (6) Haryana 236 (12) Delhi (8) 171 Rajasthan (45) UP (26) Assam (4) Bihar (12) West Bengal Madhya Pradesh (39) (17) Jharkand (15) 2009–2010 2010–2011 2011–2012 2012-2013 Gujarat (37) Chat

  5. Slide 5: Human Resources

    Human Resources 45% 2,044 1,405 1,077 981 FY10 FY11 FY12 FY13 Employees include 170 professionals (CA,CS, ICWA, Lawyers and engineers) and 415 MBAs as on Mar-13 8,814 Man-days of training during 2012-13 5

  6. Slide 6: Key Focus Areas – FY-14

    Key Focus Areas – FY - 14 • Strengthen our Core • Focus on technology, people and process • Encourage Innovation • Invest in People • Identify potential growth avenues 6

  7. Slide 7: Financial – Highlights

    Financial – Highlights Rs in Cr. Profit & Loss Account Mar-13 Mar-12 Growth % Income 2,556 1,788 43% Finance Costs (1,411) (988) 43% Operating Expenses (570) (437) 30% Provision & Loan Losses (124) (40) 213% Profit Before Exceptional Items 451 324 39% Exceptional Items - (33) Profit Before Tax 451 2

  8. Slide 8: Key Highlights – Shareholders

    Key Highlights – Shareholders Earning Per Share in Rs. Book Value Per Share in Rs. 26 150.00 22.89 137.29 140.00 21 130.00 14.39 16 120.00 106.92 110.00 11 100.00 6 90.00 80.00 1 70.00 FY -12 FY -13 FY -12 FY -13 Market Price Per Share in Rs. Market Capitalisation in Cr. 280.00 271.35 5,000 250.00 3

  9. Slide 9: Business Lines

    Business Lines Assets1 Asset Class Description as at March 31st, 2013 Managed2 Own • Vehicle financing for NEW and (INR in Cr.) Vehicle Finance USED HCVs, LCVs, SCVs, 14,369 11,991 (Financing since 1990) MLCVs, MUVs, Tractors and Cars (76%) (73%) Home Equity • Loans against residential 4,337 4,186 p

  10. Slide 10: Key Highlights – Vehicle Finance

    Key Highlights – Vehicle Finance Rs in Cr. Disbursements AUM 14,369 35% 46% 9,882 2,378 9,847 7,306 985 6,012 4,496 268 11,991 3,913 8,862 2,861 775 5,743 3,138 FY10 FY11 FY12 FY13 FY10 FY11 FY12 FY13 On Book Assigned Income Profit Before Tax 351 2,019 47% 51% 239 1,334 187 882 580 74 FY10 FY11 FY12

  11. Slide 11: Key Highlights – Home Equity

    Key Highlights – Home Equity Rs in Cr. Disbursements AUM 2,161 41% 41% 4,337 151 1,528 3,083 1,235 235 1,004 2,174 4,186 1,456 384 2,848 202 1,790 1,254 FY10 FY11 FY12 FY13 FY10 FY11 FY12 FY13 On Book Assigned Income Profit Before Tax 50% 121 46% 551 378 81 259 52 169 35 FY10 FY11 FY12 11 FY13 FY10

  12. Slide 12: Consolidated Financials

    Consolidated Financials Rs in Cr. Profit & Loss Account Mar-13 Mar-12 Growth % Income 2,572 1,806 42% Finance Costs (1,410) (990) 42% Operating Expenses (586) (457) 28% Provision & Loan Losses (123) (100) 24% Profit Before Exceptional Items 452 259 74% Exceptional Items - 30 Profit Before Tax 452 28

  13. Slide 13: Financial Results – Q-1 of FY 14

    Financial Results – Q -1 of FY 14 13

  14. Slide 14: Q-1 – Financial Results

    Q – 1 – Financial Results Particulars Q – 1 – FY 13 Q – 1 – FY 14 Growth Disbursements in Cr. 2535 3278 29% Profit Before Tax in Cr. 102.89 138.13 34% Profit After Tax in Cr. 69.65 91.18 31% ROTA – PBT / Avg Assets - % 3.10% 3.08% Capital Adequacy Ratio - % 18.41% 17.84% Investor Related Ratios : An

  15. Slide 15: Thank You

    Thank You _ ae, es <> Chola B

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