Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — Shareholder Meeting (July 2016)
16 slides from Cholamandalam Investment And Finance's shareholder meeting presentation, Jul 29, 2016
Slide 1: Cholamandalam Investment and Finance Company Limited 38th Annual General Meeting
Cholamandalam Investment and Finance Company Limited 38th Annual A l General G l Meeting M i 29 th July 2016 1
Slide 2: Key Highlights FY16
Key Highlights FY16 • Assets Under Management g ggrew byy 16% to Rs.29650 Cr. from Rs. 25452 Cr. as on March 15 • Disbursements were at Rs. 16380 Cr, compared to Rs. 12808 Cr. in the previous year – Growth of 28% • Profit before tax has grown to Rs.870.77 Cr. from Rs.657.22 Cr. – Growth of 32% • Acc
Slide 3: Corporate Overview
Corporate Overview Business Segments Overview Portfolio Breakup AUM * (₹ Cr.) FY13 FY14 FY15 FY16 YoY Growth Vehicle Finance Vehicle Finance TRACTOR, TRACTOR OLDER 10% CE, 0% On Book 11,991 14,179 14,922 17,914 20% VEHICLES, 13% HCV, 14% Assigned 2,378 2,886 2,717 2,186 ‐20% REFINANCE, Managed Asset
Slide 4: Strong Geographical Presence
Strong Geographical Presence Jammu & Kashmir (1) Branch Network 518 529 534 534 94 Punjab (26) Himachal 181 153 167 Pradesh (5) 164 Uttarakhand (7) 153 180 Harayana 141 (12) 144 Delhi (8) 104 123 102 68 83 61 53 Rajasthan (48) UP (32) 31 32 32 49 A Assam (9) 2012‐2013 2013‐2014* 2014‐2015 2015‐2016
Slide 5: Chola - Financial Summary
Chola - Financial Summary Disbursements Assets Under Management (₹ Cr.) (₹ Cr.) 16,380 29,650 23,253 25,452 12,118 13,114 12,808 521 4164 176 402 3,476 18,998 3548 75 2,810 4087 2,161 3,043 2529 9,882 10,128 9,363 12,383 16469 19166 21904 25486 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 VF HE Others On
Slide 6: Chola - Financial Summary (Cont'd)
Chola - Financial Summary (Cont’d) (Cont d) Net Income Margin (A) Expense Ratio (B) (Operating Income ‐ Finance Charges) 8.7% 3.8% 7.9% 3.4% 3.4% 3.4% 7.6% 7.7% FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 Losses and Provisions (C) ROTA (PBT) (D) = (A) ‐ (B) ‐ (C) 1.7% 1.8% 0 3% 0.3% 3.6% 1.5% 1.4% 3.0%
Slide 7: Vehicle Finance - Financial Summary
Vehicle Finance - Financial Summary Maintaining a healthy growth in Disbursement and PBT while coping with a sustained slowdown in the SCV segment Disbursements Assets Under Management (₹ Cr.) (₹ Cr.) 20,100 17,064 17,639 2186 14,369 2717 2886 12,383 2378 9,882 10,128 9,363 11991 14179 14922 17914 F
Slide 8: Home Equity - Financial Summary
Home Equity - Financial Summary Disbursements Assets Under Management (₹ Cr.) (₹ Cr.) 8,852 7,280 1978 3,476 3,043 5,860 831 2,810 4,337 12016 2,161 151 4186 4659 6449 6873 FY13 FY14 FY15 FY16 On Book Assigned FY13 FY14 FY15 FY16 Income Profit Before Tax (₹ Cr.) (₹ Cr.) 1,124 261 941 240 758 191 551
Slide 9: Key Highlights - Shareholders
Key Highlights - Shareholders Earnings Per Share Book Value Per Share ₹ ₹ 37.50 234 20 234.20 203.48 30.09 FY15 FY16 FY15 FY16 Market Price Per Share Market Capitalization ₹ (₹ Cr.) 713.45 11,140 587.60 8,442 FY15 FY16 FY15 FY16 Market data as on 31 Mar 2016. Source: BSE Sensex st 9
Slide 10: Peer Comparison - Disbursements
Peer Comparison - Disbursements CIFCL STFC (₹ Cr.) (₹ Cr.) 12,118 13,114 12,808 16,380 26,233 28,434 33,694 42,694 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 SFL Mahindra Finance (₹ Cr.) (₹ Cr.) 9,991 9,606 10,012 11,444 23,839 25,400 24,322 26,706 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 10
Slide 11: Peer Comparison - Managed Assets
Peer Comparison - Managed Assets CIFCL STFC (₹ Cr.) (₹ Cr.) 30,316 70,518 24,346 26,013 60,580 63,142 19,714 56,146 19714 24346 26013 30316 56146 60580 63142 70518 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 SFL Mahindra Finance (₹ Cr.) (₹ Cr.) 19,319 19,818 20,557 19,946 40,624 33,225 35,456 27 143 27,
Slide 12: Peer Comparison - Profit Before Tax
Peer Comparison - Profit Before Tax CIFCL STFC (₹ Cr.) (₹ Cr.) 2,016 871 1,828 1,842 1,781 657 550 451 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 SFL Mahindra Finance (₹ Cr.) (₹ Cr.) 1,346 1,251 1,254 647 651 683 1,038 593 FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16 12
Slide 13: Key Highlights - Shareholders
Key Highlights - Shareholders Chola Finance ‐ Share Price Growth 90% 946.20 , 30‐Jun‐2016 65% 40% 587.60 , 31‐Mar‐15, 15% ‐10% ‐35% Mar‐15 Jun‐15 Sep‐15 Dec‐15 Mar‐16 Jun‐16 Chola Finance Sensex 13
Slide 14: Financial Results Q1 FY17
Financial Results QQ1 FY17 14
Slide 15: Q1 Financial Results
Q1 Financial Results Particulars Q1 FY17 Q1 FY16 Growth Disbursements in Cr Cr. 4 560 78 4,560.78 3 507 52 3,507.52 30 0% 30.0% Profit Before Tax in Cr. 253.70 170.52 48.8% Profit After Tax in Cr. 165.73 110.25 50.3% ROTA-PBT / Avg Assets - % 3.8% 2.9% 28.6% Capital Adequacy Ratio - % 18.7% 20.6% In
Slide 16: Thank You
Thank You Q & A follows Reach me at vellayan@chola.murugappa.com 16
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