Sundaram Finance Limited · NSE:SUNDARMFIN
Sundaram Finance — Q1 FY2021 Earnings Presentation
16 slides from Sundaram Finance's earnings presentation, Aug 11, 2020
Slide 1: Performance Highlights Q1FY21
PERFORMANCE HIGHLIGHTS Q1FY21
Slide 2: Disbursements and AUM
Disbursements and AUM ₹ in Crore % Growth Disbursements AUM 7.8% 15.6% -1.3% 30000 4000 4414 27000 3000 2000 29977 29580 24000 -78.9% 1000 21000 929 0 18000 Q1FY20 Q1FY21 30-Jun-2019 30-Jun-2020 AUM - Assets Under Management
Slide 3: Disbursements: Asset wise and Region wise
Disbursements 5.1% 4.0% 2.5% Q1FY20 Q1FY21 24.0% 10.7% 26.0% Asset wise ₹ 4414 Cr. ₹ 929 Cr. 57.4% 22.8% 22.4% 25.1% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 4.1% 8.8% Region wise 12.2% 8.6% ₹ 929 Cr. 52.2% 21.1% ₹ 4414 Cr. 62.6% 30.4% South Nor
Slide 4: AUM: Asset wise and Region wise
AUM 5.8% 5.6% 30-Jun-2019 5.2% 6.4% 30-Jun-2020 9.9% Asset wise 10.8% ₹ 29977 Cr. 53.4% ₹ 29580 Cr. 52.7% 25.7% 24.5% CVs Cars Construction Equipment Tractors Others CVs Cars Construction Equipment Tractors Others 3.5% 3.9% 12.4% Region wise 12.8% 19.0% 20.0% ₹ 29580 Cr. ₹ 29977 Cr. 63.3% 65.1% Sout
Slide 5: Funding Mix
Funding Mix 60.0% Total 30-Jun-2019 31-Mar-2020 30-Jun-2020 49.6% Borrowing ₹ 28586 Cr. ₹ 29007 Cr. ₹ 29887 Cr. 50.0% 45.7% 40.7% 40.0% 30.0% 23.2% 19.2% 20.0% 16.7% 15.1% 16.7% 14.9% 13.2% 11.5% 13.0% 10.0% 7.7% 7.4% 5.4% 0.0% Debentures Securitisation Bank Deposits Commercial Borrowings * Paper 30
Slide 6: Profit & Loss Statement
Profit & Loss Statement ₹ in Cr. FY20 Particulars Q1FY21 Q1FY20 3804.55Revenue From Operations 940.28 921.96 84.85Other Income 3.62 3.03 3889.40Total Revenue 943.90 924.99 2072.03Finance cost 523.46 496.40 585.85Operating expenses 140.74 146.19 286.40Impairment on financial instruments 60.71 45.90 9
Slide 7: Balance Sheet
Balance Sheet ₹ in Cr. 31-Mar-2020Particulars 30-Jun-2020 30-Jun-2019 EQUITY AND LIABILITIES 27824.60Financial Liabilities 28781.88 26940.35 47.54Non Financial Liabilities 42.57 66.06 5547.37Equity 5742.63 5203.21 33419.51Total - EQUITY AND LIABILITIES 34567.08 32209.62 ASSETS 32725.79Financial Asse
Slide 8: Key Ratios
Key Ratios Net worth (₹ in Cr.) Book value per share (₹) Debt Equity CRAR 19.5% 6.0 20.0% 6500 517 550 468 499 18.4% 19.0% 17.7% 5500 500 5.0 18.0% 17.0% 4500 450 4.0 16.0% 3500 400 15.0% 5203 5743 5547 3.0 5.1 4.9 4.9 14.0% 2500 350 13.0% 2.0 12.0% 1500 300 11.0% 500 250 1.0 10.0% 30-Jun-2019 31-Ma
Slide 9: Portfolio Quality
Portfolio Quality Stage III% Stage III% (net of ECL) 3.50% 3.00% 2.47% 2.44% Moratorium Position % on Total 2.50% 2.20% Number of Accounts 39% 2.00% 1.63% 1.65% 1.48% Receivables 57% 1.50% EMI deferred 52% 1.00% 0.50% 0.00% 30-Jun-2019 31-Mar-2020 30-Jun-2020
Slide 10: Branch Network
Branch Network No. of Branches : 610 (PY Q1 : 682) 30-Jun-2020 No. of Employees : 4208 (PY Q1: 4187) 41 64 168 337 South North West East Currently around 500 branches are in operation
Slide 11: Subsidiaries, Joint Ventures & Associates
Subsidiaries, Joint Ventures & Associates Subsidiaries Joint Venture Sundaram Home Finance Limited Royal Sundaram General Insurance Co. Limited Sundaram Finance Holdings Limited Sundaram Business Services Limited Sundaram Asset Management Company Limited Sundaram Asset Management Singapore Pte. Limi
Slide 12: Consolidated Results
Consolidated Results ₹ in Cr. PAT 900 792 750 600 450 300 269 170 Net Worth 150 8000 7021 0 7000 6677 6389 Q1FY20 FY20 Q1FY21 6000 EPS (₹) 15.44 71.85 24.44 5000 4000 3000 2000 1000 30-Jun-19 31-Mar-20 30-Jun-20 Book Value (₹) 580.05 606.09 637.26
Slide 13: Sundaram Home Finance
Sundaram Home Finance ₹ in Cr. FY20 Particulars Q1FY21 Q1FY20 2113Disbursements 100 607 71.43% -Housing 92.96% 66.60% 28.57% -Non-Housing 7.04% 33.40% 9456AUM 9412 9250 70.48% -Housing 70.32% 69.61% 29.52% -Non-Housing 29.68% 30.39% Moratorium Position % on Total 218@PAT 34 43 21.54EPS (₹) *13.41 *1
Slide 14: Royal Sundaram
Royal Sundaram ₹ in Cr. FY20Particulars Q1FY21 Q1FY20 3718Gross Written Premium 610 736 (76)PAT 157 4 (9)Total Comprehensive Income 240 10 1090Net worth 1330 1109 111%Combined Operating Ratio 102% 115% 2390Employees 2389 2205
Slide 15: Sundaram Asset Management
Sundaram Asset Management ₹ in Cr. FY20Particulars Q1FY21 Q1FY20 36,920Average AUM 32,212 35,104 25,292 -Equity 22,501 23,722 11,628 -Debt 9,711 11,382 33PAT 7 5 213Net worth 205 185 367Employees 386 365 10,87,296Retail Investors 10,86,976 11,82,123
Slide 16: Disclaimer
Disclaimer This document is for information purposes only and is not and does not form part of an invitation/ offer / advertisement / advise to purchase or sell any securities of the Company. The materials and information contained in the document are prepared by the Company and are correct and accu