Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Investor Day (November 2022)
14 slides from Indusind Bank's investor day presentation, Nov 22, 2022
Slide 1: Investor Day, 22nd November 2022
– Investor Day 22nd November 2022
Slide 2: IndusInd Bank Investor Day: Presentation-4 Vehicle Finance
IndusInd Bank – Investor Day Presentation-4 Vehicle Finance
Slide 3: Evolving Operating Environment and Bank's Response
Evolving Operating Environment and Bank’s Response Macro Developments CFD’s Performance All time high disbursements at ~Rs.10K cr for Growing vehicle sales Three consecutive quarters Fresh loan yield improved by 114 bps in 11 Rising interest rates months Healthy collection efficiency at pre-covid In
Slide 4: Robust disbursement in 22-23
5000 4,437 4500 Robust disbursement in 4000 3,763 3,640 3,613 39.1% 22-23 3,361 3500 3,320 3,213 24.3% 27.4% 28.9% 12.3% In Crores INR 8.3% 10.7% 3000 2500 2000 1500 1000 500 Apr May Jun Jul Aug Sep Oct 2022 2021 2020 2019
Slide 5: Increasing yield on fresh disbursement (%)
13.6 13.49 13.4 13.37 Increasing yield on fresh 13.31 disbursement (%) 13.2 13.23 13.13 13 12.95 12.88 12.8 12.79 12.68 12.6 12.51 12.4 12.35 12.2 12 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22
Slide 6: CFD: The Gold Standard
CFD: The Gold Standard VINTAGE NETWORK YIELD CONSCIOUS PROCESSES Seamless consistent Pan India branch Strong presence in Best-in-class TAT operations over past network servicing high yielding tier II & across product 3 decades 43,600 PIN codes III locations segments COLLECTIONS RELATIONSHIP STABLE M
Slide 7: Portfolio mix & Market Share
MARKET MARKET POS (CR) POSITION SHARE (CR) Commercial ₹18K Vehicle Loans #2 10% Construction MSME Equipment Loans #2 13% ₹9K Portfolio mix & Market Share Light Commercial ₹ 24K Vehicle Loans #3 9% ₹8K Small Commercial Vehicle Loans #3 10% ₹3K AGRI Tractor & Farm Equipment Loans #4 9% ₹9K ₹8K 2.7 MM
Slide 8: Portfolio: Commercial Vehicle and Construction Equipment
60+ CV 90+ CV 20.00 7.00 6.00 15.00 5.00 10.00 4.00 3.00 Portfolio: 5.00 2.00 1.00 Commercial Vehicle 0.00 0.00 60+ CE 90+ CE 10 2.5 8 2 6 1.5 Portfolio: 4 1 Construction Equipment 2 0.5 0 0 Source: Leading credit rating agency | Values as % of POS
Slide 9: Portfolio: Passenger Vehicles and Two Wheelers
90+ PV New 60+ PV New 2.5 8.00 2 6.00 1.5 4.00 1 Portfolio: Portfolio: 2.00 0.5 Passenger PassengerVehicles Vehicles 0.00 0 60+ TW 90+ TW 14 6 12 5 10 4 8 3 Portfolio: 6 2 Two Wheelers 4 1 2 0 0 Source: Leading credit rating agency | Values as % of POS
Slide 10: Portfolio: Tractors and Farm Equipment
60+ Tractor 90+ Tractor 12.00 5 10.00 4 Portfolio: 8.00 3 Tractors and Farm 6.00 2 Equipment 4.00 2.00 1 0.00 0 Source: Leading credit rating agency | Values as % of POS
Slide 11: Focus Areas Used Cars, CV & Tractors
01. 02. 03. 04. New Light Affordable Tractors Used Cars, CV Commercial Home Loans Focus Areas & Tractors Vehicles Through tie-ups with Spin-off into a separate Lentra LOS Increased focus on high online aggregators & vertical implementation and volume centers offering dealer funding strong team struc
Slide 12: Leveraging Digital Initiatives
A transparent, brand new platform for repo vehicles Leveraging Digital Initiatives Service options, including paying EMI, on availed vehicle loans available 24x7 on IndusMobile
Slide 13: Many Dreams, One Destination. Thank You
Many Dreams, One Destination. Thank You
Slide 14: Disclaimer
Disclaimer This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No in