Religare Enterprises Limited · NSE:RELIGARE
Religare Enterprises — Investor Presentation (April 2017)
24 slides from Religare Enterprises's investor presentation, April 2017
Slide 1: Religare Enterprises Limited Corporate Overview
Religare Enterprises Limited Corporate Overview April 2017
Slide 2: Religare Overview
Religare Overview Religare is focused on the most promising opportunities in the financial services space in India Religare Snapshot Business Lines Leading financial services platform Lending Religare Enterprises Limited (REL) through its subsidiaries has established itself in some of the Leading SM
Slide 3: Distinguished Board and robust governance structure
Distinguished Board and robust governance structure The Board is comprised of highly accomplished individuals from diverse backgrounds REL’s Board of Directors Mr. Malvinder Mohan Mr. Shivinder Mohan Mr. Sunil Godhwani Singh Singh Whole-time Director Non-Executive Chairman Non-Exec Vice-Chairman Mr.
Slide 4: Professional management with vast experience and long tenure
Professional management with vast experience and long tenure Companies managed by independent management teams under Group Executive oversight Key Leadership Maninder Singh, Group Chief Anuj Gulati, MD & CEO– Religare Health Insurance Executive Officer – Religare Ent. Health Insurance Over 28 years
Slide 5: Robust platform in place to capture opportunities in financial services
Robust platform in place to capture opportunities in financial services Multi-product manufacturing capabilities and distribution network SME-focused Lending • Balance sheet size of ₹21,049 cr. (USD 3.18 bn.) • High quality portfolio: net NPA of 2.31% (90-day Lending basis) • Capital adequacy (CRAR)
Slide 6: Religare Operating Businesses poised to capture the buoyancy in Financial Services
Religare is poised to capture the buoyancy in Financial Services Financial Services highly correlated to economic growth and will gain from India’s superior growth trajectory The Indian economy is the fastest Financial Services businesses are highly correlated with growing large economy; set to econ
Slide 7: Key Businesses Overview
Key Businesses Overview 2S RELIGARE Values that bind
Slide 8: Lending Business Overview
Lending Business Overview NBFC Balance Sheet Size ₹21,049 cr. Improve ROE (USD 3.18 bn.) Affordable Housing Grow Book Size Finance book size of Ensure High Business ₹829 cr. Strategic Highlights Priorities Quality Portfolio (USD 126 mn.) (as of 31-Mar-2016) SME Lending One of India’s largest Capital
Slide 9: Religare Finvest: SME-Secured drives growth in book size
Religare Finvest SME-Secured drives growth in book size Continued traction in SME-Secured segment: book Key highlights size up 29% YOY NIM and Opex to ANR Growth capital provider focused (₹ cr.) SME-Unsecured* SME-Secured* NIM Opex/ ANR on fast-growing SME segment Others Capital Market Lending • T
Slide 10: Religare Housing Development Finance Corporation
Religare Housing Development Finance Corporation Targeting the growing opportunity of lending for affordable housing Key Highlights Traction in disbursements, book size increased 96% YOY (₹ cr.) Significant shortfall of housing units in India; urban housing shortage of 18.78 mn. units with majorit
Slide 11: Health Insurance Business Overview
Health Insurance Business Overview GWP of ₹503 cr. (USD 77 mn.) in Grow GWP with FY16 efficient use of 4,869 hospitals in Capital Business Strategic Highlights provider network Priorities (as of 31-Mar-2016) Retail & Group Health Plans Positioned to capture Retail & Group significant Group Accident
Slide 12: Religare Health Insurance
Religare Health Insurance Robust distribution aiding in rapidly achieving scale Key Highlights Gross written premium Fourth standalone health insurer to be set up in India (₹ cr.) GWP Equity participation of 5% each by Union Bank of India and Corporation Bank (USD 16.6 19.6 16.4 17.1 23.8 Pan-
Slide 13: Capital Markets Business Overview
Capital Markets Business Overview 1.14 mn. Retail Generate Superior Broking clients ROE 155 stocks under Attain Sustainable Business Research coverage Strategic Highlights (as at 31-Mar-2016) Priorities Profitability Retail Broking A formidable capital Institutional “Leveraging Digital markets platf
Slide 14: Religare Securities & Religare Commodities
Religare Securities & Religare Commodities Market environment remained challenging during the financial year Key Highlights Religare turnover Business update • One of India’s largest retail broking (ADTO# - Equity Commodity Currency Challenges from the macro environment, ₹ cr.) primarily global, c
Slide 15: Religare Capital Markets
Religare Capital Markets Poised to capitalise on multi-decade growth story in India Key Highlights Select deals completed during FY2016 • Mid-market focused institutional equities and Mar 2016 Jan 2016 Jan 2016 Aug 2015 investment banking platform ₹118 cr. ₹120 cr. ₹250 cr. ₹235 cr. • Investment Ban
Slide 16: Financial Services Opportunity in India
Financial Services Opportunity in India
Slide 17: Gap in funding for SMEs presents a lucrative opportunity for specialist financiers
Gap in funding for SMEs presents a lucrative opportunity for specialist financiers SME Lending SMEs constitute a large contributor to national output Credit flow to the sector has improved in recent years as and exports the potential of the sector is better understood +33% 6,840 4,860 5,280 3,660 Ba
Slide 18: Health Insurance is on a high growth trajectory
Health Insurance is on a high growth trajectory Health Insurance Health Insurance GWP (₹ bn.) 59% 248 Out-of- 27% 204 Pocket as % 35% 35% 153 176 of Total 31% 132 112 66 84 Healthcare 9% 11% 32 51 Expenditure 22 UK US BR RU CN IN FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 Total premium (
Slide 19: Reallocation across asset classes to revive interest in Equities
Reallocation across asset classes to revive interest in Equities Capital Markets 38% xx% Cash Trading Velocity 252 30% Market cap*/GDP (%) 160 104% 143% 106% 45% 33% 304% 95 93 92 61 40 27 SG MY KR JP TH IN ID CN 228.4 Equity 63.7 +162% Bank Deposits/ Bonds 45.5 Insurance Distribution of individual
Slide 20: REL and Key Subsidiaries Financials
REL and Key Subsidiaries Financials
Slide 21: REL's financial performance is at an inflection point
REL’s financial performance is at an inflection point Businesses set to deliver substantial improvement in performance as consolidation phase complete Multiple actions taken to consolidate operations over the Religare Enterprises Limited (₹ cr.) past four years • Reduced REL-level debt by monetizing
Slide 22: Operating Companies' Financial Highlights (1/2)
Operating Companies’ Financial Highlights (1/2) Religare Finvest Limited (₹ cr.) Religare Housing Development Finance Corp. Ltd.* (₹ cr.) Income Statement FY14 FY15 FY16 Income Statement FY14 FY15 FY16 Total Income 2,016 2,163 2,528 Total Income 36 57 106 Operating and Administrative Expenses 304 32
Slide 23: Operating Companies' Financial Highlights (2/2)
Operating Companies’ Financial Highlights (2/2) Religare Health Insurance Co. Limited* (₹(₹cr.) cr.) Retail Broking (RSL, RCL, RCTL and RCDMCC)** (₹ cr.) Income Statement FY14 FY15 FY16 Income Statement FY14 FY15 FY16 Net Earned Premium 82 154 288 Total Income 381 482 469 Net Claims Incurred & Net C
Slide 24: Religare Enterprises Limited
Religare Enterprises Limited A - 3,4,5, GYS Global, Sector - 125, Noida, U.P. – 201301, India
Religare Enterprises — Investor Presentation (April 2017) on 6ix