Akme Fintrade (india) Limited · NSE:AFIL
Akme Fintrade (india) — Q1 FY25 Earnings Presentation
25 slides from Akme Fintrade (india)'s earnings presentation, Jul 30, 2024
Slide 1: Filing cover letter to NSE and BSE
Date: 30 July 2024 Na onal Stock Exchange of BSE Limited India Limited (NSE) Phiroze JeejeeBhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai – 400 001 Bandra, Mumbai – 400 051 Scrip Code: 544200 Symbol: AFIL Subject: Investor Presenta on for the Quarter ended on J
Slide 2: Akme Fintrade (India) Ltd Q1FY25 Investor Presentation
TM AKME FINTRADE (INDIA) LTD Q1FY25 Investor Presentation
Slide 3: Disclaimer
TM Disclaimer This presentation has been prepared by Akme Fintrade (India) Limited (the “Company” or “Akme” or “AFIL”) solely for information purposes and does not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relie
Slide 4: Company Overview
TM Company Overview Scale Asset Profile Credit Quality Liability Profile Profitability 400 CR+ 400.27 CR 3.66% 14.53% 4.33% Total AUM Secured GNPA Borrowing Cost RoAA Gather User information BBB (Stable) 12 400.27 CR 1.76% 8.36% Rating on Long Branches Self-sourced NNPA RoAE term Instrument Akme Fin
Slide 5: Aasaan Loans – Leadership
TM Aasaan Loans – Leadership Mr. Nirmal Kumar Jain | Mr. Akash Jain | Chief Ms. Rajni Gehlot | Chief Mr. Shiv Prakash Shrimali CMD Executive Officer Financial Officer Chief Operating Officer With over 20 years of experience, a versatile Chartered Accountant Ms. Rajni Gehlot, a qualified Chartered Mr
Slide 6: Stewarding Growth: Aasaan Loans Team
TM Stewarding Growth: Aasaan Loans Team Mr. Ramesh Kumar Jain | Executive Director Mr. Rajendra Chittora | Executive Director Mr. Ramesh Kumar Jain, appointed as Executive Director in 2016, He is a qualified Executive Director with more than two decades of oversees Maharashtra Region Business and di
Slide 7: Aspirations in Actions Aasaan Loans: Mission and Vision
TM Aspirations in Actions Aasaan loans To empower people via To be ideal online platform where financial inclusion & everyone is able to get fast MISSI VISION understanding, helping them monetary assistance & unique ON to make sound borrowing solutions to their financial decisions requirements TRANS
Slide 8: Aasaan Loans Journey: Key Events and Milestones
Aasaan Loans Journey: Key Events and Milestones Year 2023 Year 2021 Year 1996 Effectively managed loan Year 2015 - 2016 - Formally inducted professional KMPs to drive Ideation & Company formation in Rajasthan business and inducted 3 senior bankers and portfolio totaling ₹421 - Achieved AUM of ₹84crs
Slide 9: India's Loan Sector: Opportunities and Growth Trends
TM India's Loan Sector: Opportunities and Growth Trends • Significant opportunities exist for Aasaan Loans to expand its presence in rural banking, given Total Loan Mortgage Loan Personal Loan the large underbanked population and rising incomes in these areas. • Aligning offerings with government fi
Slide 10: Target Group & Products
TM Target Group & Products Small Business Individual Owners Credit Exposure (As of March 2024): ₹8,430.85 lakhs Customer Profile: Transport operators | Small businesses | Self-employed | Salaried individuals Key Borrowers Asset Financing: Two-Wheelers | Three-Wheelers | Passenger vehicles SME/Busine
Slide 11: Aasaan Loans Products
TM Aasaan Loans Products Aasaan Vehicle Aasaan Aasaan Loan Aasaan Farm Equipment Loan Aasaan Mahila Loan Saral Udyog Loan Against Property Udyog Loan On-road finance for new Secured loans to Convenient financing for Secured loans Empowering and used two, three and meet customers’ tractors and farm a
Slide 12: Our Extensive Network
TM Registered Office: Udaipur, Rajasthan. Our Extensive Network Corporate Office: Mumbai, Maharashtra 4 States 12 Branches Branches • • Thane Ahmedabad • Mandasaur 25 • Jodhpur Points of Presence • Chittorgarh • Sabla Rajasthan • Salumber • Pune 144 • Surat Staff Members • Reodhar Gujarat Madhya Pra
Slide 13: Operational Framework
TM Business Operations Operational Framework Hub and Spoke Model Enterprise Wide Integration Retail Operations: Conducted Loan management system: Integrated through registered office in Udaipur, platform for all activities and functions Rajasthan. Efficiencies: streamlining back-end Branch Network:
Slide 14: Lending Operations
TM Lending Operations Discussion Initial screening Business team Loan Origination between of our by business meetings with 1 Screening customers business teams team Preparation of proposal Transaction approved or Preparation of initial 2 Evaluation to corporate lending rejected by corporate credit m
Slide 15: Comparison With Listed Industry Peers
TM Comparison With Listed Industry Peers EBITDA Margin and PAT Margin EBITDA margin PAT Margin 90.00% 80.00% 77.74% 70.67% 71.25% 71.80% 70.13% 70.00% 60.00% 50.00% 40.00% 30.00% 25.11% 20.68% 22.13% 20.84% 19.72% 20.00% 10.00% 0.00% Akme Fintrade (I) MAS Financial Shriram Finance Cholamandalam Arma
Slide 16: Competitive Strengths
TM Strengths Proven Execution Well-Established Capabilities in Rural and Vehicle Finance and Semi-Urban Geographies Small Business Lending Stable and Experienced Stable and Experienced Management Team Management Team Competitive Hub and Spoke Business Strengths Robust Underwriting Process Model for
Slide 17: Key Financial Highlights
TM Key Financial Highlights Disbursement product wise AUM Product wise 80 69.7 68.96 100.00% 58.2 78.30% 78.70% 78.94% 60 80.00% 41.8 40 60.00% 30.3 30.97 40.00% 21.70% 21.20% 21.06% 20 20.00% 0 0.00% FY 22 FY23 FY 24 FY 22 FY23 FY 24 SME/LAP Vehical Loans SME/LAP Vehical Loans 3 60.00% 2.46 51.19%
Slide 18: Key Financial Highlights
TM Key Financial Highlights Net Interest Margin GNPA (%) NNPA(%) 6 12.00% 10.92% 10.01% 10.00% 8.06% 5 7.92% 4.9 8.00% 4.57 4 4.06 6.00% 3.57 3.44 3.63 3 4.00% 2.97 2.00% 2 1.74 0.00% 1 FY 21 FY22 FY 23 FY 24 0 Net Interest Margin FY 21 FY 22 FY 23 FY 24 5.00% 250 223.24 4.25% 204.71 3.80% 4.00% 3.4
Slide 19: Key Financial Highlights Q1FY25 Profit and Loss Statement
TM Key Financial Highlights Q1FY25 Profit and Loss Statement Profit & Loss for Q1FY25 Q1FY24 Y-o-Y (%) Q4FY24 Q-o-Q (%) the Period Interest Income 19.20 15.24 25.98% 18.88 1.69% Interest Expense 8.20 6.42 27.73% 7.64 7.33% Fee & Other Income 2.13 1.19 78.99% 1.17 82.05% Total Net Income 13.13 10.01
Slide 20: Key Financial Highlights Profit and Loss Statement
TM Key Financial Highlights Profit and Loss Statement Profit & Loss for FY2024 FY2023 FY2022 FY2021 the Period Interest Income 69.66 63.11 64.87 84.17 Interest Expense 28.28 28.01 35.00 48.05 Fee & Other Income 3.85 6.46 2.63 2.63 Total Net Income 45.23 41.56 32.50 38.75 OPEX 7.90 8.27 8.00 9.06 Wri
Slide 21: Key Financial Highlights Q1FY25 Balance Sheet Summary
TM Key Financial Highlights Q1FY25 Balance Sheet Summary Balance Sheet as FY 2024 FY 2023 FY 2022 FY 2021 of Loan Assets 390.80 345.57 342.87 412.84 Other Assets 24.57 24.18 23.70 33.45 Total Assets 436.05 390.43 374.02 455.34 Borrowings 204.78 177.76 230.06 317.82 Other Liabilities 1.94 2.09 2.79 2
Slide 22: Strategic Focus Areas
Strategic Focus Areas Brand Enhancement for Product Diversification and Technology integration for Customer Attraction Cross – Selling Opportunities Business Growth Brand Strengthening: Increasing Leveraging Network: Utilizing Automated Systems: Upgrading brand recall to attract and retain branch ne
Slide 23: Strategic Focus Areas
Strategic Focus Areas Focus on Small Business Digitization and Product Geographical Presence owners and Self- Employed Portfolio Expansion Expansion individuals Digital Platform Launch: Rolling Current Presence: 12 branches in Market Focus: targeting emerging out www.aasaanloans.com in Rajasthan, Ma
Slide 24: Forward Focus: Navigating Towards Success
Forward Focus: Navigating Towards Success 1 2 3 Tailored credit Customer-centric solutions & financial Cutting-edge ethos fostering trust & empowerment for technology & data loyalty to drive lower untapped rural & analytics driving cost of customer semi-urban markets strategic insights acquisition 4
Slide 25: Thank You
TM THANK YOU AKME FINTRADE (INDIA) LTD Investor Relations Advisors: Mr. Manoj Chobisa Adfactors PR Pvt. Ltd. Company Secretary and Compliance Officer Mr. Aditya Tikare cs@aasaanloans.com aditya.tikare@adfactorspr.com https://aasaanloans.com/ www.adfactorspr.com care@aasaanloans.com | 9594 377 377 |
Akme Fintrade (India) — Q1 FY25 Earnings Presentation on 6ix